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Amidst increasingly fierce business competition, MSMEs often face challenges in financial management, business strategy, and financial decision-making. One increasingly popular solution is CFO (Chief Financial Officer) services, particularly in the form of virtual CFOs or fractional CFOs.
1. Improve the quality of financial governance
MSMEs often face obstacles due to disorganized financial records and inconsistent accounting standards. With the presence of a CFO—even a virtual one—MSMEs can achieve more disciplined record-keeping standards and financial reports that are trusted by external parties.
2. Focus on strategy, not just daily operations
Business owners often get caught up in operational details. A CFO helps them take strategic steps: projecting cash flow, planning investments, managing risks, and preparing financial scenarios for long-term growth.
3. Easier access to funding
Banks and investors tend to trust businesses with transparent financial reports and realistic projections. With a CFO overseeing the financial aspects, MSMEs become more bankable.
4. Cost-effectiveness compared to hiring a full-time CFO
For small and medium-sized businesses, hiring a permanent (on-site) CFO can be very expensive. Part-time or outsourced CFO services can be an alternative with more flexible costs — this practice is also offered at Prokuu through Virtual/Fractional CFO services.
How to Choose the Right CFO Service Provider?
- Check their experience in handling MSMEs or similar businesses.
- Ask for case studies and references from previous clients.
- Ensure regular communication (weekly/monthly) and transparent reporting.
- Agree on the scope of services (reporting, forecasting, accounts payable/receivable management, etc.).
- Consider the fees and payment model: whether they are fixed monthly, project-based, or flexible.
- Ensure there are evaluation and adaptation sessions as the business grows.




