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Strategic Financial Leadership for Businesses That Need Clarity, Cash Control, and Smarter Growth

I help founders, CEOs, and growing companies transform financial complexity into executive clarity, stronger cash visibility, better decision-making, and investor-ready finance — without hiring a full-time CFO.

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20+ years of leadership in Finance, Treasury, FP&A, M&A, and Strategic Advisory across Latin America and the United States.
Manfred Xirinachs — Fractional CFO
MX
Manfred Xirinachs
Fractional CFO & Strategic Financial Advisor
20+
Years Experience
LATAM
& USA Market
CFO
Level Insight
100%
Strategic Focus
Currently accepting new clients
Manfred Xirinachs
MX
20+
Years of Finance Leadership
About Manfred

A Finance Executive Who Operates at Board Level

Manfred Xirinachs is a strategic finance executive with over 20 years of experience helping businesses across Costa Rica, Latin America, and the United States gain financial clarity, improve treasury operations, and build the structures needed to grow with confidence.

He brings CFO-level thinking to companies that are scaling, restructuring, or simply need to understand what is really happening in their business. His approach is practical, senior, and execution-oriented — focused entirely on creating value, not just producing reports.

Treasury & LiquidityFP&A M&A AdvisoryCapital Structure Executive ReportingCross-Border Finance
  • 20+ years across Finance, Treasury, Administration, and Strategic Advisory
  • Deep experience with startups, SMEs, and family-owned businesses
  • Cross-border perspective spanning Costa Rica, LATAM, and the United States
  • Hands-on operator — not a consultant who only delivers decks
  • Track record building finance systems that scale with the business
The Problem

Why Growing Companies Lose Financial Control

Most businesses don't fail because their product is bad. They fail because the financial engine behind the business was never properly built.

📊

Scattered Financial Data

Numbers exist across spreadsheets, banks, and tools with no unified picture. Nobody has a clear view of what is actually happening.

⚠️

Cash Surprises

Businesses run into cash problems they didn't see coming. Liquidity crises that could have been anticipated hit without warning.

🔍

No Profitability Visibility

Revenue is growing, but it's unclear whether margins are healthy, which products make money, or which clients drain resources.

📉

Decisions Without Financial Logic

Strategic decisions — hiring, pricing, expansion — are being made without grounding them in financial analysis or unit economics.

📋

Weak Reporting

Reports exist but tell no story. There's data, but no interpretation, no trend analysis, no executive narrative to guide decisions.

🏦

Not Ready for Capital

When it's time to raise financing or talk to investors, the business isn't prepared. No investor-ready reporting, no clean financials.

📆

No Forecasting Discipline

The company operates month by month with no forward-looking cash flow visibility or structured planning process.

🚀

Growth Without Structure

The business is scaling, but the financial operating system is not keeping up. Growth without the financial backbone to sustain it.

The Solution

The CFO Global System

A strategic finance ecosystem designed to help companies gain clarity, control cash, improve decisions, and scale with stronger financial intelligence. Not a collection of isolated services — a structured value ladder built to take your business from financial chaos to executive control.

L1
🎁
Level 1 — Entry Point
Free CFO Scorecard + Diagnostic Toolkit
Start with a free CFO Scorecard, a 13-week cash flow template, and a mini financial diagnostic. Understand your current financial health baseline at no cost.
L2
📊
Level 2 — Entry Product
CFO Board Pack + Scoreboard
Executive dashboard, KPI scoreboard, weekly and monthly reporting with AI-assisted narrative. Turn disconnected data into financial clarity and actionable executive insight.
L3
💰
Level 3 — Operational Layer
Treasury Autopilot
13-week cash flow forecast, liquidity alerts, collections calendar, and automation workflows. Anticipate financial issues before they hit your business.
L4
🔬
Level 4 — Analytics Layer
Unit Economics & Pricing Lab
CAC review, LTV analysis, payback evaluation, and pricing simulations. Understand whether your growth creates sustainable value or destroys cash.
L5
👔
Level 5 — Premium Service
Fractional CFO & Strategic Advisory
High-value strategic finance support for companies that need genuine CFO leadership — not just dashboards. Finance strategy, board-ready reporting, and executive decision support.
L6
🏦
Level 6 — Capital Pathway
Capital Readiness & Financing Access
When your business is ready to access capital, raise financing, or engage investors, we build the financial narrative and structure required to make those conversations productive.
Products & Pricing

Productized Financial Intelligence Tools

Each product delivers measurable financial value from day one. Start with one and build the full CFO operating system over time. Click any pricing tier to get started.

📊
CFO Board Pack + Scoreboard
"The gateway to visible financial order and executive-level reporting."
  • Executive financial dashboard
  • KPI scoreboard with trend alerts
  • Weekly & monthly reporting structure
  • AI-assisted narrative reporting
  • Actionable executive interpretation
  • Decision-oriented financial reading
✦ Outcome: Instead of disconnected spreadsheets, you get executive-level financial insight with a clear story behind every number.
Starter
$79/mo
→ Subscribe
Growth
$199/mo
→ Subscribe
Scale
$499/mo
→ Subscribe
💰
Treasury Autopilot
"Less cash stress, fewer surprises, and more operating control."
  • 13-week rolling cash flow forecast
  • Real-time liquidity alerts
  • Collections & payments calendar
  • Cash risk prioritization rules
  • Automation workflows
  • Near-term cash risk visibility
✦ Outcome: Anticipate financial challenges before they impact operations. Stop managing cash reactively.
Starter
$99/mo
→ Subscribe
Growth
$299/mo
→ Subscribe
Scale
$799/mo
→ Subscribe
🔬
Unit Economics & Pricing Lab
"Profitability explained and growth guided by financial logic."
  • Unit economics analysis
  • CAC & LTV review
  • Payback period evaluation
  • Pricing simulations
  • AI-assisted profitability insights
  • Margin & growth logic
✦ Outcome: Understand whether your growth model creates sustainable value — or is quietly destroying cash.
Starter
$49/mo
→ Subscribe
Growth
$149/mo
→ Subscribe
Scale
$349/mo
→ Subscribe
📐 How Pricing Tiers Are Defined
Pricing is structured according to company size and annual revenues — so you always pay for the tier that matches where your business actually is.
⚡ Starter
👥
1 to 10 employees
💵
Annual revenues $0 – $100K
📈 Growth
👥
10 to 50 employees
💵
Annual revenues $100K – $500K
🚀 Scale
👥
50 or more employees
💵
Annual revenues $500K or more
Premium Bundle

CFO Global System Suite

All three intelligence tools combined into a single integrated operating system. The complete financial backbone for a growing business — at a meaningfully better price.

Growth Bundle
$399/mo
Board Pack + Treasury + Unit Economics
→ Subscribe now
Scale Bundle
$999/mo
Board Pack + Treasury + Unit Economics
→ Subscribe now
Additional Services
  • Premium onboarding (done-with-you)$500–$1,500
  • Advisory bridge / CFO Sprint$1,500–$3,000
  • Fractional CFO engagementFrom $2,500/mo
  • Enterprise / Custom scopeOn request
The Value Proposition

Why Work With Me

Working with a Fractional CFO is about gaining the financial leadership that most growing companies need but rarely have access to at the right moment.

👔

CFO-Level Leadership Without Full-Time Overhead

Access a senior finance executive on a flexible engagement — without the fixed cost of a full-time CFO.

🧭

Executive Clarity from Messy Financial Data

Transform disconnected numbers into a coherent financial narrative that leaders can use to make real decisions.

💧

Stronger Cash Visibility and Treasury Discipline

Build the cash management discipline that separates businesses that scale from those that run out of runway.

📐

Better Reporting, Better Business Decisions

Move from reporting for compliance to reporting for performance. Every number should tell you something actionable.

⚡

Practical Financial Strategy, Not Theory

Every recommendation comes with an implementation path. The goal is always execution — not slides that sit in a folder.

🌐

Readiness for Growth, Investment, and Financing

When your business is ready to raise capital or scale internationally, the financial foundations are already in place.

Ideal Clients

Who I Work Best With

The CFO Global System is designed for companies at a specific inflection point — where financial structure, clarity, and leadership can fundamentally change the trajectory of the business.

🚀

Startups & Scaleups

Founders moving fast without a finance operating system to match their growth velocity.

🏢

Growing SMEs

Businesses between $500K and $10M in revenue that need CFO-level thinking but not a full-time hire.

👨‍👩‍👦

Family-Owned Businesses

Companies with strong operations but limited financial structure, reporting, or cash discipline.

💼

Founder-Led Companies

CEOs running the business without a finance partner to challenge, inform, and support their decisions.

🌎

Cross-Border Businesses

Costa Rican and LATAM companies with US operations — or US businesses expanding into Latin America.

🏦

Pre-Financing Companies

Businesses preparing for a capital raise, investor conversation, or structured financing.

Business Impact

What This Creates for Your Business

The outcomes are not abstract. They are changes in how your business operates, how you make decisions, and how prepared you are for what comes next.

🔭

Stronger Financial Visibility

A unified picture of what is happening in your business, in real time, with no gaps.

🧹

Cleaner Reporting

Reports that don't just show data — they tell a financial story with clear implications for decisions.

⏰

Earlier Detection of Cash Issues

Stop discovering financial problems when they're already a crisis. See them 8–13 weeks before they arrive.

🧠

Improved Executive Decision-Making

Decisions grounded in financial logic, unit economics, and scenario analysis — not intuition alone.

📈

Confidence in Growth Planning

Scale with a financial plan behind you. Know exactly what growth costs and what it returns.

💬

Better Investor Conversations

Walk into capital conversations with structured financials, a coherent narrative, and investor-ready reporting.

How We Work

A Structured Path to Financial Control

Every engagement follows a deliberate process designed to deliver value quickly while building durable financial infrastructure for the long term.

01

Financial Diagnostic

A structured review of your current financial state — reporting, cash, margins, and operating structure. We identify what's working, what's broken, and where value is being left on the table.

02

Priority Mapping & Strategic Design

We map the highest-value financial priorities and design a tailored system — the right tools, reports, and advisory framework for your specific business context.

03

Implementation & Control

We build and activate the financial operating system. Dashboards, cash flow models, reporting cadences, and scorecards — structured to run the business, not just report on it.

04

Ongoing Advisory & Decision Support

The system runs, the data flows, and you have a senior finance partner available to help interpret, challenge, and support the decisions that matter most.

Premium Advisory

Fractional CFO Advisory

Beyond products and dashboards, there are businesses that need direct CFO leadership — a senior finance executive who is genuinely embedded in the company's decisions, planning, and growth strategy.

This is the highest engagement level of the CFO Global System. A fully embedded Fractional CFO relationship built for companies that are serious about what comes next.

🗺️
Finance Leadership & Strategy

Direct involvement in budgeting, forecasting, capital structure, and strategic financial decisions.

💧
Treasury & Liquidity Strategy

Active management of cash, liquidity risk, working capital, and financing structures.

📋
Board-Ready & Investor-Ready Finance

Full reporting and narrative package designed for board conversations and investor diligence.

🌐
Cross-Border Financial Perspective

Expertise in LATAM-to-US financial structures, compliance considerations, and international growth planning.

Premium Engagement

Your Fractional CFO,
Without the Full-Time Cost

From $2,500/month

Custom scope based on business complexity, engagement depth, and strategic priorities. First call is always a diagnostic conversation — not a sales pitch.

Book a Strategic Call

Enterprise and custom pricing available for more complex engagements.

My Perspective

Financial Clarity Creates Better Companies

"Numbers are not the enemy of vision. They are the foundation of it."

Every engagement I lead is built on one belief: that when business leaders truly understand their financial position — their cash, their margins, their real performance — they make better decisions, build stronger companies, and feel less alone in the process.

Finance should help leaders decide better, not create more bureaucracy or more confusion.

Cash visibility reduces stress, improves operating control, and creates real strategic freedom.

Numbers should tell the story of a business — where value is created, where it leaks, and what to do next.

Growth without financial logic is not a strategy. It's a risk that often ends in a painful correction.

Strong financial infrastructure creates healthier, more resilient, and more valuable businesses.

Trust, integrity, and long-term value creation are the only basis for a real advisory relationship.

Client Perspective

What Clients Experience

Real outcomes from real engagements. Three companies, three different challenges — the same commitment to financial clarity and executive control.

★★★★★
"Before working with Manfred, we had plenty of data but zero financial clarity. Our projections were guesswork — different every week depending on who you asked. What changed was not just the numbers, but how we read them. For the first time we had a projection model we could actually trust, and we knew exactly what the business needed to reach the next milestone. That clarity changed how we talk to investors, how we make decisions, and how we run the company."
CQ
C. Quant
Founder & CEO — AZULO
Fintech Platform · Costa Rica
★★★★★
"The Treasury Autopilot changed how we manage cash. We stopped being surprised at the end of the month and started anticipating. We now see our cash position 13 weeks out, we know when collections need to be pushed and when payments can wait. That discipline alone transformed how we operate. It's the kind of control we didn't know we were missing — and now we can't imagine running the business without it."
EX
E. Xirinachs
CEO — Carrocería La Uruca
SME · Costa Rica
★★★★★
"We were building an AI-powered platform with real traction across Europe and Latin America, but our financials were not investor-ready. Manfred helped us build the full financial structure that a serious funding conversation requires — clean historical financials, a credible 3-year model, unit economics that told the real story of our growth, and an executive narrative that tied it all together. When we walked into our first investor meetings, we walked in prepared. That preparation is what opens doors."
FR
F. Ruilova
Founder & CEO — GREENPOW
AI-Powered Tech Platform · Europe, LATAM & Costa Rica
Free Toolkit

Get the Free CFO Scorecard

Before you invest in any financial tool or advisor, understand where your business stands. Download the same diagnostic framework used in every new client engagement — at no cost.

  • CFO Scorecard — assess your financial health across 6 dimensions
  • 13-Week Cash Flow Template — ready to deploy in your business
  • Mini Financial Diagnostic — identify your highest-priority gaps
  • Executive Summary Guide — how to read your own numbers

Used by founders and CEOs across Costa Rica, Latin America, and the United States to establish their financial baseline before engaging a CFO.

Download the Free Toolkit
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Get In Touch

Start the Conversation

The first conversation is always diagnostic — not transactional. We talk about your business, what's working, what isn't, and whether there's a real opportunity to create value together.

✉️
📱
Phone & WhatsApp
+506 8844-1522
📍
Location
Santo Domingo, Heredia, Costa Rica
🌐
in
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Let's Talk

If Your Business Needs Stronger Financial Clarity, Cash Control, and Strategic Direction — Let's Talk.

The first conversation is always diagnostic — not transactional. We talk about your business, what's working, what isn't, and whether there is a real opportunity to create value together.

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