The Firm·Three decades · Eight divisions · Four hundred people

Eight divisions, one payroll, one standard of work.

xl Financial has been running finance functions since the early nineties. Today the group is eight divisions and four hundred people, and the fractional and group CFO practice you are reading about is the part of it that puts a finance chief inside your business. Everything else in the group exists so that person never has to say no to you.

30+YEARS RUNNING FINANCE FUNCTIONS
400+PEOPLE ACROSS EIGHT DIVISIONS
640FINANCE ENGAGEMENTS COMPLETED
180CFO SEATS FILLED RIGHT NOW
30+SECTORS LED, AND STILL COUNTING
49STATES AND PROVINCES SERVED
Who sits in the seat
01 / 05

Every lead in every seat has run a finance function at full time.

The bar is a finance function you have already carried, at full time, in a business of real size, with a board and a lender to answer to. That is what your seat is filled with, every time, in every sector we work in.

Every oneHAS CARRIED A WHOLE FINANCE FUNCTION AT FULL TIME
18 yrsAVERAGE IN A SENIOR FINANCE SEAT BEFORE JOINING
30+SECTORS THEY HAVE LED FINANCE IN BETWEEN THEM
11 yrsLONGEST CONTINUOUS CLIENT RELATIONSHIP

THE TESTNot a certificate and not a course. Whether they have already sat in the chair when it was their name on the numbers.

How the match is made
02 / 05

How your CFO gets chosen, before you ever meet them.

Four things decide it, and the last one is yours.

01The shape of the business

How the money moves through it. Whether you bill before you deliver, hold stock, carry work in progress or run assets against debt. This is what actually decides who fits.

02The sector

We lead finance in more than thirty. Where we have a lead who has run your industry before, that is who you get, and they arrive knowing which number governs it.

03What is happening right now

A raise, a cash squeeze, a sale, a systems failure, a lender losing patience. Different situations call for different people, and we match to the situation, not just the sector.

04The fit in the room

You meet them in the first hour, before anything is signed, and the choice is yours. With a hundred and eighty seats running we always have someone else to put in front of you.

One standard
03 / 05

How the same standard holds across a hundred and eighty seats at once.

A firm this size only works if the client in Alberta and the client in Georgia get the same quality of thinking. That is not culture. It is method, and it is written down.

ONE METHOD

Every engagement runs the same diagnostic, the same week-three assessment and the same ninety-day review, whatever the sector or the size.

ONE PLATFORM

Every client is reported on tooling our own engineers built and maintain, so a specialist joining your file already knows where everything is.

ONE REVIEW

Every seat is reviewed internally each quarter against what was written down at week three, by someone who is not the person holding it.

ONE ANSWER

Whoever does the work, your CFO is the person accountable for it and the person you call. Nothing gets routed around them.

Where the work happens
04 / 05

Remote-first across the United States and Canada, on site when it changes the outcome.

Working remotely is what lets us put the right person in your seat rather than the nearest one. A distributor in Alberta and a contractor in Georgia both get a lead who has run finance in that business before, which would be impossible if the search stopped at a commute.

40 states, 9 provincesWhere clients sit today
Every close, remotelyThe month runs the same wherever you are
On site by agreementThe diagnostic, board meetings, a negotiation, a transaction, and the first month of anything difficult
One time zone that mattersYours. Your CFO works to your calendar and your close date
The company in full
05 / 05

One company, eight divisions, and your CFO can reach any of them.

Fractional and group CFO leadership is delivered through XLF·C. Everything else below is the rest of the company standing behind that seat. When a month needs engineering, capital, insurance or a transaction team, your CFO brings it in from inside the group.

XLFXL FinancialThe parent

One platform, one standard and one set of working methods across every division, so a specialist joining your file needs no briefing on how we work.

XLF·CFractional C-SuiteYour seat sits here

Fractional and group CFO, CEO, COO and CMO leadership placed inside the business. Your lead and the specialist bench belong to this division.

XLF·Iinvest-EDGECapital

The investment platform. Capital raising, deployment and portfolio oversight for businesses raising, refinancing or holding assets.

XLF·SXL ShieldRisk

Insurance and risk transfer, tested against what a business is genuinely exposed to rather than what it happened to buy at the last renewal.

XLF·PProprietary Financial SystemsEngineering

The engineering arm. Builds the reporting, modeling and data tooling the whole group runs on, which is why your reporting can be rebuilt rather than worked around.

XLF·RFLRapid Framework LabsBuild

Technology build-outs from architecture through to delivery, for the times the honest answer is a system rather than a better process.

XLF·MXL MediaCommunication

Investor, brand and market-facing work, built on the same numbers the finance seat reports, so what a business says publicly and what it files reconcile.

XLF·CMTYXL CommunityNot for sale

Financial access and literacy for households the market does not reach. Funded and staffed from inside the group, and the one division no client is ever billed for.

What happens next

A firm this size is only useful to you through the people it puts in your seats.

Four hundred people and eight divisions matter to you exactly once: when your month needs something your CFO cannot carry alone, and they bring it in without you signing anything new. Tell us what is happening in your business and we will name the CFO and the controller who would hold your seats, and the backup behind each of them.

01YOUR PODThe CFO and the controller named in the first conversation, with what each has already run in your industry.
02YOUR COVERThe named backup on each seat, and the quarter in which they first run your file.
03THE GROUPWhether capital, engineering, risk or a transaction team is likely to come into it.
04THE FEEOne monthly figure covering all of the above, agreed before anything starts.
ONE HOUR · NO CHARGE · A WRITTEN NOTE BACK WITHIN TWO WORKING DAYS