Most bookkeepers keep your books accurate and your taxes filed — and that's essential. But Profit Spear goes a step further. Alongside accurate, tax-ready financials, we bring hands-on fractional CFO expertise: cash flow forecasting, KPI tracking, capital planning, and strategic financial advisory that helps you actually use your numbers to make better decisions. Think of it as the difference between someone who records your financial history and someone who helps you plan your financial future.

Yes. Our team has hands-on experience and certifications across all major accounting platforms. We'll work within your existing system rather than asking you to switch, so there's no disruption to how your business already operates.

Every business is different, so pricing depends on the scope of support you need — whether that's bookkeeping only, fractional CFO advisory, ad-hoc finance support, or a combination. What we can tell you is that our cost-sensitive delivery model lets us offer experienced, dedicated accountants and finance professionals at a much lower rate than you hiring an in-house accountant or CFO. Book a free consultation and we'll walk through a plan and pricing that fits your business.

No. We want you to stay because Profit Spear is genuinely helping your business, not because you're locked into a contract. You're free to end the engagement at any time with 30 days' notice — no long-term commitment required.

Very little. That's the point. We handle the day-to-day financial work — reconciliations, reporting, journal entries — so you're not buried in spreadsheets. Most clients meet with us weekly for a focused check-in, giving you the financial clarity you need without adding hours to your plate.

Yes. Our accounting and bookkeeping team operates under strict data security protocols, and every engagement is managed and reviewed by our leadership. We work within your financial/accounting system with limited access, and will not have transactional authority for bank or credit card transactions. Only you or your designee can do that. You always have a direct point of contact with the fractional CFO/principal., and we're happy to sign an NDA to formalize confidentiality for your business.

We specialize in startups and small-to-medium sized businesses, typically working with founders and executive teams who need real financial leadership but aren't ready for (or don't need) a full-time, in-house CFO. Our clients span industries including retail & services, manufacturing/construction, energy/transport, and CPG — whether you sell through Shopify, Amazon, retail stores, or a combination.

That works too. Many of our engagements start with a specific need — catch-up bookkeeping, a busy-season crunch, or preparing financials for a lender or investor — and grow into an ongoing relationship once clients see the value. We can scope a short-term engagement or an ongoing partnership, whichever fits where your business is right now.

A full-time CFO is a significant salary and benefits commitment, often more than many startups and small businesses need on a day-to-day basis. A fractional CFO gives you the same strategic financial leadership — cash flow management, financial planning, capital decisions, KPI design — on a part-time, cost-effective basis, scaled to what your business actually needs right now.

After a free consultation to understand your business and current financial setup, we can typically begin onboarding within a week or two. If you're in a time-sensitive situation — a lender deadline, a busy season crunch, or a backlog of bookkeeping — let us know, and we'll prioritize accordingly.

We're proud to be a Minnesota-based firm, but we serve clients across the U.S. — from Connecticut to California, and industries ranging from real estate to energy to aerospace. Wherever your business is located, we can support you.

It's a no-pressure, 30-minute conversation to learn about your business, understand the financial challenges you're facing, and see whether Profit Spear is the right fit. There's no obligation — just a chance to talk through where you are and where you want to go.