Why xl·A staffed pod · Two hundred specialists · Eight divisions

A whole finance function, named on day one.

One person can only be in one room. When your lender calls the same week as your auditor, that is the whole problem with hiring a single fractional CFO — and it is how almost everyone in this category is built.

What stands behind the seat
01 / 06

One seat, and three layers behind it.

Here you get a staffed pod: a named CFO who owns the decisions, a named controller who owns the close, the analysts who do the work underneath both, and a named backup for every one of those seats who already knows your file. Working alongside them, more than two hundred specialists across twelve disciplines. And behind those, sister divisions in engineering, capital, risk, build and communications. Your CFO pulls in whichever of it your month needs. Nothing new to buy, nobody new to manage, and no second invoice.

01YOUR POD
A named CFO, a named controller, and the people under them

Your CFO decides what the numbers mean and what to do about it — the board, the lender, the investors. Your controller owns the close and the accuracy of the record, and is your day-to-day lead. Underneath them sit the accounting and analysis seats the work actually requires. Every one of those seats has a named backup who already carries your file, and cover is drilled on live accounts every quarter rather than promised in a brochure.

4NAMED SEATS, EACH WITH A BACKUP
02BEHIND YOUR POD
The specialist bench they can call on

Modeling, debt, transactions, systems, tax, risk, costing, technical accounting and more — brought onto the parts of the month that call for them. Your CFO specifies the work and stays accountable for it. Your CFO never hands you off, and the bench already knows your file before it arrives.

200+SPECIALISTS BEHIND THEM
03BEHIND THE BENCH
Eight divisions of XL Financial Group

Engineering, capital, insurance, technology build and communications — all inside one company, all on the same standard. When your month needs something bigger than the finance seat, your CFO brings it in for you instead of sending you out to find a supplier.

8DIVISIONS THEY CAN CALL
NAMED, AND WRITTEN DOWN

The people in the first conversation are the people on the account, as a term of the agreement

COVERED, AND DRILLED

A named backup on every seat, running your file for a cycle every quarter

ONE FIXED FEE

The same figure in a quiet month and a brutal one, with the bench included

The bench
02 / 06

Twelve disciplines, and your CFO can put any of them on your business at no change to the fee.

Your CFO decides what the month needs and brings it in. No new contract, no new supplier, no change to the fee, and your CFO is still the person you call.

01Modeling and analysisBuilds the forecast that tells you what next year looks like if the big things go right, and if they go wrong
02Debt and capital marketsPuts together what your bank actually wants to see, and negotiates the terms with you
03TransactionsGets you ready to be bought, or checks what you are buying before you pay for it
04Systems and dataMakes your accounting system produce the numbers instead of you rebuilding them in spreadsheets
05Tax and cross-borderSets the position early and hands it to your tax preparer, instead of finding out in March
06Risk and insuranceChecks what would actually hurt you, and whether your cover would pay out
07Costing and inventoryWorks out what a job, a product or a truckload really makes after everything is loaded to it
08Revenue and technical accountingFixes how revenue is booked before an auditor or a buyer makes you fix it
09Practice economicsFor firms that bill time: finds where the hours are being written off and by whom
10Healthcare revenue cycleFollows the money from the claim to the bank, and finds where it stops
11Real estate and asset financePulls a group of entities into one set of numbers a lender will accept
12Procurement and contractsFinds what you are overpaying suppliers, and which contract auto-renews before you get the chance to argue
When the month asks for more
03 / 06

When the month asks for more than any one CFO can carry, your CFO does not send you out to find it.

This is where a solo fractional CFO runs out and ours does not. A single operator has to find you a supplier, introduce you, and step out of the room. Your CFO reaches into the firm, brings the capability into your engagement, and stays accountable for the result.

“The reporting needs rebuilding, not patching.”
XLF·PProprietary Financial Systems

Your CFO writes the specification, because they are the one who knows what your board and your lender need to see. The engineers build it to that spec.

WHAT IT SAVES YOU

No software selection, no implementation partner, no project you have to manage yourself.

“We need capital, and we need to be ready to ask for it.”
XLF·Iinvest-EDGE

The group’s investment platform — capital raising, deployment and portfolio oversight. The people who talk to capital sit in the same company as the people preparing your numbers for it, so the pack and the conversation are built together.

WHAT IT SAVES YOU

One story, one set of numbers, and no gap between the people who wrote them and the people presenting them.

“Nobody has tested our cover against what we are actually exposed to.”
XLF·SXL Shield

Insurance and risk transfer, reviewed against the real exposure of the business rather than last year’s schedule — working from the same picture of your operations your CFO already has.

WHAT IT SAVES YOU

A risk review that starts from your actual numbers instead of a questionnaire.

“The systems need building, not working around.”
XLF·RFLRapid Framework Labs

Technology build-outs for growing enterprises, from architecture through to delivery. Where the answer is genuinely a build rather than a better spreadsheet, the build happens inside the group.

WHAT IT SAVES YOU

A delivery team that is already briefed, because the brief came from your own finance lead.

“We have to talk to investors, or to the market.”
XLF·MXL Media

Investor, brand and market-facing communication across the group. The narrative is built on the same numbers your CFO reports, so what you say publicly and what you file reconcile.

WHAT IT SAVES YOU

A message that matches the accounts, prepared by people who can read both.

“Somebody wants to buy us, or we want to buy something.”
XLF·CThe transactions bench

Quality of earnings, diligence management and integration inside the practice, with invest-EDGE alongside on the capital side and the engineering arm on the data room.

WHAT IT SAVES YOU

A transaction run by the people who already know your numbers, with no new contract to sign.

The company behind it
04 / 06

One company. Your CFO can reach any part of it without you signing anything new.

Your finance seat sits in XLF·C. Below is the rest of the company standing behind it, and what each part can do for your business.

XLFXL FinancialThe parent group

Everyone in the group works to one standard, so when a specialist joins your file nothing has to be re-explained on your time.

XLF·CFractional C-SuiteThis site

Fractional and group CFO, CEO, COO and CMO leadership placed inside the business. Your engagement lead and the finance bench sit here.

YOUR SEAT
XLF·Iinvest-EDGECapital

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

XLF·SXL ShieldRisk

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

XLF·PProprietary Financial SystemsEngineering

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

XLF·RFLRapid Framework LabsBuild

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

XLF·MXL MediaCommunication

Media and communications. Investor, brand and market-facing work, built on the same numbers the finance seat reports.

XLF·CMTYXL CommunityNot for sale

One division is not for sale. This is what the group does with its surplus.

What arrives
05 / 06

What arrives on your desk, and who built it.

Everything below is your CFO’s output. Where a piece needed the bench or the wider firm, that is named — but your CFO owns all of it. Every month or every quarter, under one fee.

01
The monthly reporting pack

The month’s results with a written explanation of why every number moved, against last month and against plan.

BUILT BYYour CFO, on reporting built by the engineering arm
02
The rolling cash view

Rebuilt with the week’s actuals in it, reaching far enough ahead to act rather than react.

BUILT BYYour CFO, with the modeling bench
03
The board pack

Built once and used twice, so your board and your lender see the same numbers and neither questions the other.

BUILT BYYour CFO, in the format boards and lenders already accept
04
The lender pack

Covenant position, headroom and the forward view, in the format the lender already trusts.

BUILT BYYour CFO, with the debt and capital markets bench
05
The close calendar and control documentation

A close that lands on the same working day and a control environment written down rather than remembered.

BUILT BYYour CFO, with the systems and controls bench
06
The forecast model

A working spreadsheet you own and can change, not a locked file, and it is yours from the day it is built.

BUILT BYThe modeling bench, specified by your CFO
07
The quarter’s one big thing

A raise, a refinancing, a risk review, a systems build, a sale process — run by people who already know your numbers, with nothing new to sign.

BUILT BYDrawn from the group
In the agreement
06 / 06

Six things we put in the agreement that this category does not put anywhere.

CLAUSE 1.1Continuity
The CFO and controller who lead the first conversation shall lead the engagement throughout its term, supported by the specialist resources of the firm at no additional fee.
CLAUSE 1.2Cover
A named backup is assigned to every seat on the account, carries the file from the first month, and assumes the seat within four business hours of an unplanned absence, or two on the premium standard.
CLAUSE 1.4The standard
Response times, close dates and reporting dates are scheduled figures, not intentions, and a missed close date carries a credit against the month’s fee.
CLAUSE 1.5Independence
The firm accepts no referral fee, commission or revenue share from any software vendor, lender, broker or adviser it recommends to a client.
CLAUSE 1.6Your data
Access is granted by role and withdrawn on exit, confidentiality applies by default rather than on request, and everything built on your account — models, documentation, systems — is yours from the day it is built.
CLAUSE 1.8Fee
One fixed monthly fee. No hourly billing, no timesheets, no charge for correspondence.

Every one of these is in the agreement you sign, and you can read all six before you decide anything. They are on this page because they are the questions a buyer who has been let down once already knows to ask — and because asking any other firm for the same page is the fastest way to compare us to them.

What happens next

The quickest way to see the size of this is to put a real problem in front of it.

Tell us what is actually going on in the business right now. In one conversation we will tell you who your CFO would be, which parts of the specialist bench your situation would pull in, and whether any of the sister divisions would be involved. All of it under one fee, and all of it named before you decide anything.

01YOUR CFOWe name the finance chief who would run your function, and why they were chosen for your business.
02YOUR BENCHWhich of the twelve disciplines your situation would draw on in the first ninety days.
03THE GROUPWhether capital, engineering, risk or media capability 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