KEITH A. PHAM, mba | Fractional CBO

Helping Businesses Scale Without the Overhead of a Full-Time CFO or COO

Scaling a business from $5M to $50M requires more than just financial strategy or operational excellence—it requires both. That's why I created the Fractional Chief Business Officer (CBO) model, blending financial insight with execution expertise to drive actual results. I don't just advise; I execute.

Who I Am

I am an entrepreneur, executive, and strategic advisor with over 20 years of experience in finance, operations, and business scaling. I've worked with companies across multiple industries, helping them optimize profitability, reduce inefficiencies, and implement execution frameworks that drive sustainable growth.

I built my career by transforming struggling businesses, unlocking operational efficiencies, and aligning financial strategy with business execution. Through my experience, I realized that most businesses in the $5M–$50M range need structured leadership in both finance and operations, but they aren't ready for a full-time CFO or COO. That's where I come in.

What I Do

I provide fractional executive leadership, serving as a bridge between financial strategy and operational execution. My goal is to help businesses achieve structured, scalable growth—without the cost of hiring a full-time executive.

My Approach:

• Financial Strategy & Cash Flow Optimization – Improve profitability, optimize cost structures, and create financial clarity.
• Operational Efficiency & Execution Management – Align teams, processes, and systems for peak performance.
• AI & Lean Digital Transformation – Automate workflows and improve decision-making with data-driven systems.
• Scaling & Market Expansion – Position companies for long-term success through growth initiatives, M&A, or new market entry.

Businesses I work with typically see:

✔ 10–30% cost savings through financial & operational optimization.
✔ 3x–10x return on investment through structured execution.
✔ Faster, data-driven decision-making, improving business agility.

Why a Fractional CBO Instead of Hiring a CFO or COO?

Hiring a full-time CFO or COO costs $250K–$500K+ per year once you factor in salary, benefits, and bonuses. For most businesses in the $5M–$50M revenue range, that's a significant financial commitment. My Fractional CBO service provides the same high-level financial and operational leadership—but at a fraction of the cost and with greater flexibility.

Key Differences:

✔ Cost Savings: A full-time CFO or COO costs between $250K–$500K+ per year, while my Fractional CBO services range from $96K–$240K per year ($8K–$20K monthly).
✔ No Long-Term Commitment: You get expert guidance without the risk of a costly mis-hire or long-term salary obligations.
✔ Broader Expertise: Unlike an in-house executive with deep company knowledge, I bring multi-industry experience to identify blind spots and growth opportunities.
✔ Immediate Impact: While hiring a full-time CFO or COO takes months (plus onboarding), I focus on quick wins and measurable results within the first 90 days.
✔ Flexibility & Scalability: If business conditions change, my services can scale up or down to fit your needs, unlike a fixed-salary executive.
✔ Execution-Focused Strategy: I don't just advise—I help implement structured processes, drive cash flow improvements, and optimize operations for sustainable growth.

Bottom Line: My approach allows businesses to get the expertise and execution support they need without the overhead or risk of hiring a full-time executive too soon.

Who I Work With

I specialize in helping growth-stage businesses ($5M–$50M revenue) that: 

✔ Need financial & operational leadership but aren't ready for a full-time CFO/COO.

✔ Struggle with cash flow, inefficiencies, or scaling execution.
✔ Want structured decision-making, automation, and strategic growth.
✔ Are considering hiring a CFO/COO but want an interim, execution-focused solution.

How We Can Work Together

🔹 Fractional CBO Services ($8K–$20K/month) – Ongoing financial & operational leadership to drive execution.
🔹 Business Health Diagnostic ($15K–$50K, 2-6 weeks) – Deep dive into financials, operations, and leadership alignment.
🔹 AI & Lean Digital Transformation ($25K–$100K/project) – Automate workflows, optimize efficiency, and modernize decision-making.
🔹 Scaling & Market Expansion ($50K+ engagement) – Positioning for M&A, new market entry, and hypergrowth.

Let's discuss how I can help align your financial and operational strategy for scalable growth—without the full-time executive cost.