Fractional CFO

Services

Urban Oak Capital brings hands-on, operator-level financial leadership to bootstrapped beauty and wellness brands. This isn't advisory from the outside — it's the judgment that comes from having actually run the numbers, made the payroll calls, and managed the cash flow of a real, multi-location operation.

Bootstrapped beauty and wellness operators rarely have access to the financial judgment that scales a business — not because the expertise doesn't exist, but because a full-time CFO isn't yet the right hire. We bring hands-on, owner-operator financial experience to founders who need clear answers on cash flow, margins, and growth decisions without adding permanent overhead.

Key services include:

  • Cash Flow Modeling & Forecasting
  • Commission & Compensation Structuring
  • Inventory & Open-to-Buy (OTB) Budgeting
  • Margin Analysis (GMROI, Turn Rates, Dead Stock Strategy)
  • Fundraising Support (Cap Table & Valuation Cap Guidance)
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