Blue Cloud CPA
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Blue Cloud CPA · Fractional CFO Services

Fractional CFO services, run by a licensed CPA.

Know where your cash stands for the next 13 weeks, and exactly what to do about it. CFO-level clarity in 14 days, without the $250K hire.

Start with the 13-Week Cash Map: $1,500, built in 14 days. Stay on after, and we take the $1,500 off your first month, so the Map was free. Not worth it? We refund it. Either way, you keep everything.

Book a free intro call See the Cash Map
Three deadlines in writing, or we work free ↓ A senior CPA on every engagement ↓
the surprise, caught early ↓
13-Week Outlook As of Jun 3
Cash Forecast
Updated weekly, built from your real numbers. The heart of the Cash Map.
Cash on hand today$184,200
Lowest point · week 6$121,400
Projected · week 13$158,900
Net burn, worst month$25,600
Runway if that persists7.2 months
Sample numbers, real format. Yours gets built from your actual books.
Licensed CPA firmA real, verifiable Florida license
Fixed monthly feesNever hourly, no surprise bills
30/60/90 guaranteeDeadlines in writing, or we work free
Serving all 50 statesRemote-first, secure client portal
Fog is expensive

Most businesses discover the cash problem when it arrives. The forecast makes it visible while it's still cheap to fix.

Yarik Yarosh, CPA · Founder
The problem

Running a real business on gut feel gets expensive.

If any of these takes more than a minute to answer, you have a visibility problem, not a numbers problem. A surprise tax bill is usually the moment owners decide to fix it. A CFO fixes it for good, and you don't need one on payroll.

01How many months of cash do we actually have?
02Can we afford the next hire, and starting when?
03Which jobs, products, or locations actually make money?
04What will the tax bill be, and is the cash set aside?
05Can we cover the next inventory buy and the tax payment in the same month?
06If a slow quarter hits, what exactly is the plan?
The 13-Week Cash Map

Your next 13 weeks of cash, mapped in 14 days.

The Cash Map shows your cash, week by week, for the next 13 weeks. What's coming in. What's going out. And exactly when money gets tight. We build it from your real books in two weeks, before we ask you to commit to anything monthly. You spend about two hours total, and we work in your existing QuickBooks or Xero.

$1,500, and you get it back. Stay on, and it comes off your first month, so the Map was free. Not worth it? Refunded.

I

The Cash Map itself

A rolling 13-week forecast built on your real data, so the next payroll, tax bill, and slow month are never a surprise.

II

What we find building it

The financial health read: margins, burn, leaks, and the two or three numbers that should be running your decisions.

III

How you read it weekly

A KPI baseline dashboard: cash, runway, revenue, and margin in one view you can read in ninety seconds.

IV

What to do about it

A 90-day plan of quantified opportunities and risks, sequenced, walked through together in a closing working session.

How it works

Intro call to walkthrough, in 14 days.

Step 1

Free intro call

Fifteen minutes. You describe the business, we tell you whether the Cash Map will pay for itself. No pitch deck, no pressure.

Step 2

Data access

Read-only access to your QuickBooks or Xero and bank feeds. Day one includes a books triage; if cleanup is needed first, we tell you before the clock starts.

Step 3

Two weeks of work

We build the Map, the assessment, and the dashboard while you run your business. Your total time in: about two hours.

Step 4

The walkthrough

A 60-minute working session on what we found, what it means, and the 90-day plan. Everything is yours to keep either way.

How the credit works. You pay $1,500 to start. If you begin any monthly plan within 30 days of your walkthrough, the full $1,500 comes off your first month's bill. So if you stay on, the Cash Map cost you nothing.

How the refund works. Finish the two weeks. If you honestly don't think the work was worth $1,500, say so and we refund it. You still keep everything we built. That's the whole term, and it's in writing.

A note on capacity. This is a deliberately small senior practice, not a volume agency. We onboard three new CFO clients per quarter so every engagement gets senior attention. When the quarter is full, the next start date is offered up front.

Start with a free intro call
What the monthly service includes

The same work, at about half the price.

What the market charges

Buying it separately

A controller, tools, and an advisor, billed separately at going rates.

  • Forecast build, then weekly upkeep$2,500 + $800/mo
  • Part-time controller review$1,500+/mo
  • FP&A tooling, plus upkeep$500+/mo
  • Senior advisory sessions$500+ each
  • Questions, billed hourly$395/hr
  • CFO advice that sees the tax linerare outside CPA firms
Adds up to$3,500 to $5,000+/mo
VS
What you pay at Blue Cloud

Foundation

The whole stack, one senior CPA, one invoice.

  • Cash Map maintained weeklyincluded
  • Monthly review, plain Englishincluded
  • Live KPI dashboardincluded
  • Monthly strategy sessionincluded
  • Async answers, one business dayincluded
  • Tax-aware, year-roundincluded
One flat fee$1,750/mo

A full-time CFO costs $175,000 to $250,000 a year, over $14,000 a month. This is the same work, sized for your business, and you can leave with 30 days' notice after the first three months.

Retainer tiers

Three tiers. Every one starts with the Cash Map.

Foundation
Roughly $500K to $2M revenue
$1,750 /month
Monthly cadence
  • Monthly financial review with plain-English commentary
  • Rolling 13-week cash forecast, maintained weekly
  • KPI dashboard: cash, runway, revenue, margin
  • Monthly 60-minute strategy session
  • Async email access, one-business-day replies
Start with a free intro call
Growth
Roughly $2M to $7M revenue
$3,500 /month
Biweekly cadence
Everything in Foundation, plus
  • Annual budget and monthly variance with driver commentary
  • Full 3-statement model and scenario planning
  • Unit economics and margin analysis
  • Board and owner reporting pack
  • Biweekly 45-minute calls
Start with a free intro call
Strategic
$7M+ revenue
$6,500 /month
Weekly cadence
Everything in Growth, plus
  • Lender and investor packages, quality-of-earnings prep
  • Capital strategy, recapitalization and exit readiness
  • Weekly check-ins plus quarterly 90-minute planning
  • Pre-board reviews and dedicated availability
Start with a free intro call
The specialty lane

US-Canada business? Cross-Border CFO adds cash and tax forecasting for both countries, reporting that works on both sides of the border, and a plan for moving money between them without tax surprises. Led by a CPA licensed in both countries. Few firms anywhere can do this under one roof.

Terms across all tiers: three-month start, then month-to-month. No annual lock-in. We keep clients by being useful, not by contract.

The 30/60/90 guarantee

Three deadlines, in writing. We miss one, we work free.

By day 30

Cash visibility

Chart of accounts clean, reliable monthly reporting, the 13-week forecast live.

By day 60

A forecast you trust

Forecast accurate and stabilized, the leadership cadence running on schedule.

By day 90

Board-grade reporting

Dashboard and monthly reporting presentation-ready. Finance informing decisions, not describing them.

If we miss a deadline, we keep working at no charge until it's done.

The practical conditions: data access granted at kickoff, reasonable responsiveness, and books at standard (or the cleanup engaged first). We guarantee delivery and your satisfaction, never specific financial outcomes.

Start with a free intro call

Yarik Yarosh, CPA, founder of Blue Cloud CPA
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Yarik Yarosh, CPA
Who you work with

Your CFO is a CPA. Most aren't.

Blue Cloud's engagements are led personally by Yarik Yarosh, CPA: he builds the forecast, reads the close, and sits across from you at the strategy session. No junior pool, no account manager between you and the person doing the work.

The practice combines bookkeeping, tax, and CFO strategy under one roof, so every recommendation already accounts for taxes. And for US-Canada businesses, the same CPA is licensed in both countries.

LicensureCPA (US) · CPA (Canada)
MembershipsAICPA · CPA Canada
FirmFlorida-licensed CPA firm
ProfileLinkedIn
Experience

What this looks like in practice.

Mechanical contractor · ~$4M

The winter cash gap, caught in September.

Seasonal revenue, year-round payroll. The 13-week forecast surfaced a winter trough months before it arrived, with time to arrange a credit line on good terms instead of desperate ones.

Result: a $120K gap funded in advance. No missed payroll, no panic draw.
E-commerce brand · ~$2M

Inventory and taxes, no longer colliding.

Every quarter, a six-figure purchase order landed in the same weeks as tax payments. A cash calendar and restructured PO timing separated the two for good.

Result: roughly $60K of breathing room recovered without new debt.
B2B services · ~$8M

Margin found before the refinance.

Ahead of a bank refinancing, a margin analysis across contracts surfaced systematic underpricing in one service line, fixed in the next renewal cycle.

Result: roughly four points of margin recovered; the refinance closed on better terms.

Engagements led by the founder across prior firm and external CFO work. Details anonymized.

Built for

Owner-run businesses from $500K to $10M.

Payroll gap

Service & trades

Seasonal cash, equipment buys, and crews to make payroll for. Visibility is survival.

PO meets tax

E-commerce & inventory

POs, ad spend, and tax bills all pulling on the same cash. Timing is everything.

Retainer cliff

Agencies & project shops

Lumpy project revenue, retainers ending, the low point always six weeks out.

Runway

SaaS & funded startups

Runway scenarios, a board-ready reporting pack, and the cash-to-accrual move investors expect.

Two tax systems

US-Canada cross-border

Two tax systems, one business. The lane almost nobody else can run under one roof, led by a CPA licensed in both countries.

Questions owners actually ask

Honest answers, up front.

How much does a fractional CFO cost?
Full fractional-CFO retainers elsewhere generally run $3,000 to $10,000+ per month. Blue Cloud's plans run $1,750 to $6,500 a month depending on size, with the $1,500 Cash Map as the entry point (it comes off your first month if you continue). Foundation is priced deliberately below market: the practice is AI-leveraged and founder-led, so you are not paying for an agency's overhead.
Is a fractional CFO the same as an outsourced or virtual CFO?
Same idea, different label. Fractional, outsourced, virtual, part-time: all of it means senior finance leadership without the full-time hire. What varies is who actually does the work. Here it's a licensed CPA on a fixed monthly fee, accountable to written 30/60/90 milestones.
Why not hire a full-time CFO, or just keep my bookkeeper?
A full-time CFO costs $175,000 to $250,000 plus benefits, and most businesses under $10M don't need forty hours a week of one. A bookkeeper records what happened; a CFO tells you what to do next. This service sits exactly in that gap: senior judgment, scoped to what your size actually requires.
What does working together look like day to day?
Everything runs through a secure TaxDome client portal: document uploads, e-signatures, and two-way messaging in one place, no email attachments. Strategy sessions happen on video. Questions go to the portal or email and get answered within one business day, by the CPA, not a support queue.
What happens if my CPA is unavailable?
Every engagement is led by a senior CPA, and the practice maintains CPA coverage behind that, so a vacation, a sick week, or tax season never stalls your forecast or your close. What you will never get is a junior pool or an account manager between you and the person doing the work.
What if my books are behind or messy?
Day one of the Cash Map includes a books triage. If the books aren't usable, we tell you before the clock starts and quote the cleanup separately, then build the Map on clean data. CFO work on unreliable books is guesswork with better fonts, and we don't sell that. Blue Cloud also does bookkeeping, so the whole stack can live under one roof.
How much of my time does this take?
The Cash Map costs you about two hours total across two weeks. On a retainer, plan for one scheduled session per month (sixty minutes at Foundation, more frequent at higher tiers) plus the occasional email. The work happens on our side; the decisions stay on yours.
What happens after the Cash Map?
You keep every deliverable either way. If you continue into a monthly tier within 30 days, the full $1,500 is credited against your first invoice. If you don't, that's a fine outcome too: you'll have a forecast, a dashboard, and a 90-day plan you can run yourself.
Do you require long contracts?
No. Retainers start with a three-month commitment so the onboarding milestones can actually be delivered, then run month-to-month with 30 days' notice. We keep clients by being useful, not by contract.
Start here

Fifteen minutes. Then you'll know.

The intro call is a real conversation, not a pitch. You describe the business; we tell you honestly whether the Cash Map will pay for itself. If it won't, we'll say so and point you somewhere better suited.

Your Cash Map can start as soon as data access is granted.

Licensed CPA firm 30/60/90 guarantee Same-business-day reply

Book your free intro call

Two quick steps, then pick a time right here. Fifteen minutes with the CPA. No payment, no pitch.

Last step: pick a time that works. Your details carry over.

No payment until after the intro call. Prefer the phone? 786-952-6621

Book a free intro call