Outsourced CFO Services in Memphis, TN

Memphis businesses don’t lack ambition. They manage constraints.


Logistics, transportation, manufacturing, construction, healthcare services, and owner-led growth companies here operate with tight margins, heavy payroll cycles, capital investments, and constant execution pressure. When growth accelerates without financial structure, problems don’t show up all at once—they build quietly in cash flow, margins, and risk exposure.


Straight Talk CPAs provides fractional CFO services for Memphis businesses that have outgrown reactive finance. We step in at the leadership level to bring structure to complexity, translate financial noise into clarity, and support confident decisions when the stakes are real.


This isn’t reporting.
It’s operational financial leadership.

CFO Leadership for Businesses Managing Real Growth Pressure

Financial Strategy Built Around Cash, Not Just Revenue

Revenue growth looks impressive.
Cash discipline keeps businesses alive.



Our CFO engagements focus on what actually matters in Memphis markets—cash timing, margin durability, capital efficiency, and downside risk. We help leadership teams understand what growth truly costs, how long cash will last, and which levers actually move outcomes.


This is how businesses stop chasing growth—and start controlling it.

Hiring, pricing changes, equipment purchases, and expansion decisions—these moves feel manageable until cash tightens or margins slip.



Our fractional CFO services give Memphis business owners decision-grade financial clarity, so growth becomes intentional rather than reactive.


Where we create immediate leverage:

  • Identifying hidden cash leaks and margin erosion
  • Translating unit economics into pricing and expansion strategy
  • Stabilizing cash flow across payroll, vendors, and receivables
  • Stress-testing scenarios before capital or hiring decisions are made


In one engagement, a Memphis-based services company improved contribution margins by over 12% within a single quarter after we rebuilt their cost structure and forecasting model.

That’s what CFO-level focus delivers.

When Growth Picks Up, CFO Insight Becomes Critical

In Tennessee and surrounding markets, tax strategy directly affects cash, reinvestment capacity, and long-term value.


Entity structure, depreciation, compensation planning, multi-state exposure, and incentive capture all influence outcomes. We embed tax intelligence directly into CFO planning so strategic decisions don’t create expensive downstream consequences.


We help leadership teams:

  • Align entity and ownership structures with growth plans
  • Design compensation strategies that protect cash flow
  • Capture credits and deductions commonly missed internally
  • Build forward-looking tax projections tied to expansion plans



Tax isn’t an afterthought here.
It’s part of the decision model from day one.

Tax Intelligence Embedded Into Every Strategic Decision

Case Study: From Financial Strain to Controlled Growth

A Memphis-based manufacturing company came to us after growth began, stressing cash flow and visibility—margins varied by product line. Forecasting was unreliable. Capital decisions felt risky.


Our CFO engagement focused on restoring control:

  • Rebuilt financial models around margins and cash cycles
  • Implemented dashboards tracking cash flow and profitability by line
  • Reworked AR timing and vendor payments to stabilize liquidity
  • Introduced rolling forecasts tied to production and hiring plans


The results:

  • Over $80,000 in annualized cost savings identified
  • Predictable cash cycles within 90 days
  • A clear financial roadmap supporting facility expansion



Once leadership understood the story behind the numbers, growth became manageable instead of stressful.

Why Memphis Leaders Choose

Straight Talk CPAs

Executives don’t need more spreadsheets.
They need clarity that supports decisive action.

Memphis businesses work with us because we provide:

  • Licensed CPAs with deep federal and state-level expertise
  • A fractional CFO model built for accuracy, speed, and depth
  • Transparent pricing—no confusing retainers or surprise scope
  • Clear, proactive communication that keeps leadership aligned

We don’t operate like an outsourced vendor.
We operate as part of your leadership layer.

Who Our Fractional CFO Services Are Built For

Our CFO services are not for experimentation.
They’re built for discipline.

We typically work with Memphis businesses that are:

  • Managing meaningful revenue, spend, or operational complexity
  • Preparing for expansion, acquisition, or ownership transition
  • Operating in manufacturing, construction, logistics, services, or healthcare
  • Ready to replace reactive finance with structured execution

If decisions feel heavier than they should, CFO oversight is usually what’s missing.

Ready for CFO-Level Insight—Without Full-Time Overhead?

If growth is accelerating but clarity is lagging, it’s time for CFO leadership that matches your pace.

We help you:

  • Understand what’s really driving performance
  • Stabilize cash flow and protect margins
  • Make high-stakes decisions with confidence

Let’s see if a fractional CFO partnership makes sense.

FAQs

  • What does a fractional CFO actually do?

    A fractional CFO provides ongoing financial leadership—cash planning, forecasting, margin analysis, and decision support—without the cost of a full-time hire.


  • Is this only for large or investor-backed companies?

    No. We work with owner-led and growth-stage Memphis businesses that need stronger financial control as complexity increases.


  • Can you help with expansion or capital decisions?

    Yes. We build scenario models and forecasts to evaluate hiring, equipment purchases, expansion, and financing options.


  • How quickly will we see results?

    Most clients gain meaningful clarity within the first 30–60 days once financial drivers and reporting are rebuilt.


  • How do I know if my business is ready for a CFO?

    If cash flow feels unpredictable, decisions feel risky, or growth is stressing your systems—that’s usually the signal.