THE FIRMTHREE DECADES · EIGHT DIVISIONS · FOUR HUNDRED PEOPLE

Three decades of putting finance leaders inside other people’s businesses.

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
640
FINANCE ENGAGEMENTS COMPLETED
180
CFO SEATS FILLED RIGHT NOW
30+
SECTORS LED, AND STILL COUNTING
49
STATES AND PROVINCES SERVED
UNITED STATES AND CANADAREMOTE-FIRST, ON SITE WHEN IT CHANGES THE OUTCOME
Who Sits In The Seats
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 one
HAS CARRIED A WHOLE FINANCE FUNCTION AT FULL TIME
18 yrs
AVERAGE IN A SENIOR FINANCE SEAT BEFORE JOINING
30+
SECTORS THEY HAVE LED FINANCE IN BETWEEN THEM
11 yrs
LONGEST CONTINUOUS CLIENT RELATIONSHIP
Not a certificate and not a course. Whether they have already sat in the chair when it was their name on the numbers.
Matching The Seat
02 / 05
How your CFO gets chosen, before you ever meet them.
With more than thirty sectors and a hundred and eighty seats running at once, matching is the part of this that a solo operator cannot do at all. Four things decide it.
01
The 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.
02
The 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.
03
What 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.
04
The 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.
The Group
03 / 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.
XLF
XL Financial
THE 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·C
Fractional C-Suite
YOUR 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·I
invest-EDGE
CAPITAL
The investment platform. Capital raising, deployment and portfolio oversight for businesses raising, refinancing or holding assets.
XLF·S
XL Shield
RISK
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·P
Proprietary Financial Systems
ENGINEERING
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·RFL
Rapid Framework Labs
BUILD
Technology build-outs from architecture through to delivery, for the times the honest answer is a system rather than a better process.
XLF·M
XL Media
COMMUNICATION
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·CMTY
XL Community
NOT 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.
One Standard
04 / 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 We Work
05 / 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 provinces
Where clients sit today
Every close, remotely
The month runs the same wherever you are
On site by agreement
The diagnostic, board meetings, a negotiation, a transaction, and the first month of anything difficult
One time zone that matters
Yours. Your CFO works to your calendar and your close date
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.
BOOK A CONVERSATIONSEE WHAT SIX OF THEM GOT
ONE HOUR · NO CHARGE · A WRITTEN NOTE BACK WITHIN TWO WORKING DAYS
YOUR PODThe CFO and the controller named in the first conversation, with what each has already run in your industry.
YOUR COVERThe named backup on each seat, and the quarter in which they first run your file.
THE GROUPWhether capital, engineering, risk or a transaction team is likely to come into it.
THE FEEOne monthly figure covering all of the above, agreed before anything starts.