Finance as a Service vs Fractional CFO: Where the Line Sits

Finance as a service vs fractional CFO is a scope question, not a seniority question. A fractional CFO delivers senior financial direction part-time, typically 10 to 40 hours a month, with no transactional staff underneath, while finance as a service adds bookkeeping, GAAP close, and tax beneath that advisory layer. Indinero runs all four layers in one CPA-led engagement, with continuous operations since 2009.