Fractional CFO & Embedded Financial Leadership
For Payments Companies, ISOs, ISVs, and Merchant Acquirers
We step into the finance seat with practical, high-touch leadership for businesses navigating growth, margin pressure, capital planning, acquisitions, and operational complexity.
Merchant Portfolios provides embedded financial leadership to payments companies that need more than bookkeeping, but may not yet need a full-time CFO. We help founders and operators build financial clarity, improve decision-making, strengthen cash flow, and prepare for growth, financing, or exit.
- Multi-year forecasting and financial modeling
- Cash flow optimization and working capital strategy
- Margin analysis and profitability improvement
- KPI architecture and dashboard development
- Capital planning and debt strategy
- Board-ready reporting and financial storytelling
M&A Advisory & Capital Strategy
- Buy-side and sell-side advisory
- Acquisition thesis development
- Deal sourcing support
- Financial due diligence leadership
- Valuation analysis and deal structuring
- Debt and equity capital raises
- Exit readiness preparation
For founders operating in high-stakes growth or exit environments.
Financial Infrastructure & Analytics
- Reporting architecture design
- Finance process optimization
- Internal controls and discipline frameworks
- Systems oversight (QB), Zoho, Intacct, ect.
- Data-driven operational insights
- Margin and cost structure diagnostics
We build the systems and discipline that support sustainable growth.