DENVER, COLORADO
A Local CFO Without the Full-Time Salary
Simply Spreadsheets is a Denver-based fractional CFO practice for small business owners and real estate investors who want clear numbers and a senior finance partner who is easy to reach.
Fractional CFO Services in Denver
Most Denver small businesses outgrow their bookkeeper before they can justify a full-time CFO. Revenue is up, the team is bigger, and the questions have changed: Can we afford another hire? Is this price increase enough? Why is cash tight when the P&L says we made money?
A fractional CFO fills that gap. You get senior-level financial leadership for a set number of hours or a defined project, sized to what your business actually needs. Simply Spreadsheets is run by Erin Onsager, who brings more than 20 years in commercial real estate finance, a stint as CFO of a Colorado university, and an economics degree from the University of Chicago.
Based in Denver, we work with clients across the Front Range and remotely. For the full picture of the service, see our fractional CFO services page.
WHAT WE DO
What a Fractional CFO Handles for You
Cash Flow Forecasting
A week-by-week view of cash coming in and going out, so a tight month shows up weeks ahead instead of on payday.
Monthly Reporting
Clean monthly numbers and a short review meeting, with reporting a non-numbers person can read and act on.
Budgets, Pricing, and Big Decisions
Annual budgets, pricing reviews, and the math behind hiring, expanding, borrowing, or buying, before you commit.
Who We Work With in the Denver Area
- Owner-operated small businesses that have outgrown spreadsheets on the side and need forecasting, reporting, and a plan.
- Contractors and trades juggling deposits, progress billing, and uneven cash flow across projects.
- Professional service firms that want to know which clients and services actually make money.
- Real estate investors and landlords who want deal analysis and portfolio reporting from someone who invests in residential real estate herself.
Investors can start with our free real estate calculators, and owners who mainly need one model built well can look at spreadsheet consulting instead.
How It Works
- Free 20-minute call. Tell us what is going on and what you are trying to figure out.
- A clear scope. We agree on what you need, whether that is ongoing monthly support or a single project.
- Numbers you can use. Forecasts, reports, and models built around how your business actually runs.
Common Questions
What does a fractional CFO do?
A fractional CFO provides the same strategic finance work a full-time CFO would, such as forecasting, reporting, budgeting, and decision support, on a part-time or project basis. Our post on the signs your business needs a fractional CFO goes deeper.
How is that different from a bookkeeper or CPA?
Your bookkeeper records what happened and your CPA handles taxes and compliance. A fractional CFO uses those numbers to plan what happens next. We work alongside both. See fractional CFO vs bookkeeper for the details.
Do you only work with Denver businesses?
No. We are based in Denver and work with clients across the Front Range, and we also work remotely with owners and investors elsewhere.
How do we get started?
Book a free 20-minute call. Bring your biggest financial question and a rough sense of your numbers, and we will tell you plainly whether we can help.
Talk to a Denver Fractional CFO
No pressure and no sales pitch. Just a conversation about your numbers.
