Saturn BPO
Fractional CFO, controllership & the books underneath

A finance team that tells you what to do next.

We own your accounting function end to end: accurate books and reconciliations at the base, a controller running month-end close by the 10th, and CFO-level forecasting, cash runway, and unit economics on top. Built for operators who need real financial leadership, not just clean books.

Month-to-month · Fractional CFO & controller led · ProAdvisors, Xero Advisors, NACPB Certified Bookkeepers

Sample preview

CFO Dashboard

October 2026

Closed by the 10th

Net Revenue

$147,322

23.4%

vs. $119,386 in September

Nov '25Oct '26

Gross margin

68.2%

Cash runway

7.4 mo

Forecast var.

+2.1%

Controller-reviewed, closed by the 10thIllustrative, not real client data

Works with the tools you already run

  • QuickBooks logo
  • Xero logo
  • Stripe logo
  • PayPal logo
  • Square logo
  • Gusto logo
  • Shopify logo
  • Amazon logo
  • WooCommerce logo
  • YouTube logo
  • TikTok logo
  • Instagram logo
  • Facebook logo
  • QuickBooks logo
  • Xero logo
  • Stripe logo
  • PayPal logo
  • Square logo
  • Gusto logo
  • Shopify logo
  • Amazon logo
  • WooCommerce logo
  • YouTube logo
  • TikTok logo
  • Instagram logo
  • Facebook logo

Credentialed by the people who set the rules

  • QuickBooks ProAdvisors logoQuickBooks ProAdvisors
  • Xero Advisors logoXero Advisors
  • NACPB Certified Bookkeepers logoNACPB Certified Bookkeepers
The Saturn effect

Without Saturn. With Saturn.

Toggle to see what changes when a controller and CFO own your numbers.

Without Saturn

Day 21

Close lag

Books limp closed in the third week of the next month, when they close at all.

With Saturn

Day 10

Controller-reviewed close

Financial statements closed and reviewed by the 10th, GAAP-aligned, in time for real decisions.

Without Saturn

Flying blind

No forward view

You learn what happened weeks late. No forecast, no cash plan, no read on what's coming.

With Saturn

Forecast

Boardroom-ready numbers

13-week cash, budget vs. actual, and scenario models you can hand to the board or a lender.

Without Saturn

Just data

Books, no direction

A bookkeeper hands you a P&L. Nobody tells you what it means or what to do about it.

With Saturn

What next

A CFO in your corner

Unit economics, margin drivers, and a clear call on what to do next, every month.

Without Saturn

Scramble

Diligence panic

A lender or investor asks for numbers and you burn two weeks pulling them together.

With Saturn

Ready

Diligence-ready

Clean books, internal controls, and board-grade reporting. Ready for a raise or a lender any month.

How we work

Six steps. From accurate books to CFO-level insight.

No mystery onboarding. No 90-day blackout. Bookkeeping is step one, not the destination.

  1. STEP 01

    Onboard

    Two weeks. We learn your stack, your team, your workarounds.

  2. STEP 02

    Clean base

    Reconcile and recode to accurate books. Step one, the foundation everything else sits on.

  3. STEP 03

    Takeover

    Day one of next month, the books, AP, AR, and payroll are ours to run.

  4. STEP 04

    Weekly pulse

    Every Monday. Cash, AR, and flags in a 90-second read.

  5. STEP 05

    Controller close

    Financial statements by the 10th, controller-reviewed. P&L, balance sheet, KPIs, commentary.

  6. STEP 06

    CFO on call

    Forecasting, cash strategy, and what to do next. Your fractional CFO & controller team.

Why operators stick with us

This is the finance team you'd hire if you had the time to hire one.

  • Close by the 10th

    Controller-run month-end. Statements land when decisions get made.

  • Controls that hold

    Internal controls, approvals, and audit-ready records. Nothing slips.

  • Forecast, not hindsight

    13-week cash, budget vs. actual, KPIs. See what's coming, not just what happened.

  • Books to board, one team

    Bookkeeping, controller, and CFO under one roof. Income tax filed via our partner.

The math, interactively

Hiring in-house is around $250K a year.

A fractional CFO, controller, and the books underneath, for a fraction of building it in-house. Size what a full finance team would really cost you, instantly.

Savings calculator

See what an in-house team really costs.

Pick what you'd hire: bookkeeper, controller, or a full CFO-led finance team. See the loaded annual cost and how much of it we take off the table.

  • Loaded in-house cost, bookkeeper to CFO
  • Potential savings range, instantly
  • Honest US salary benchmarks
  • No email required to use

Sample result · Full finance team

In-house, loaded

$285K/ year

Potential savings with Saturn

up to 80%vs. building it in-house

Same coverage, a fraction of the cost

Illustrative. Run yours in the calculator →

The real questions

What people actually ask before they sign.

Fair question. Three things actually differentiate us. First, every engagement gets a dedicated point of contact with authority to make decisions. No queues, no escalations. Second, we don't stop at bookkeeping: a controller owns your month-end close and internal controls, and a fractional CFO owns forecasting, cash, and what to do next. Third, we run specialized playbooks for ecommerce, agencies, creators, multi-LLC, and SaaS instead of a generic template.
Accurate books and reconciliations on QBO or Xero at the base. Bill intake, approvals, vendor payments. Customer invoicing, dunning, collections. Payroll oversight via your provider (Gusto, Rippling, ADP). A controller-run month-end close by the 10th, P&L, balance sheet, cash flow, and KPI commentary. CFO-level forecasting, 13-week cash, and board-ready reporting on top. Income tax filing handled by our tax partner. One engagement, one point of contact.
You're not. Engagements run month-to-month. Give 30 days' notice, get your books back, walk away clean. We earn the next month every month. No cancellation fee, no surprise clawback, no 12-month minimum.
Yes. Federal and state income tax returns are handled through our tax partner, and we coordinate the entire flow so your books feed directly into return prep. One point of contact, no separate handoff. If you already have a tax advisor you love, we're happy to stay upstream and feed them clean, controller-reviewed books instead. Your call during onboarding.
We pair modern tooling with a real controller. Software handles transaction processing, document intake, and deadline tracking; a controller reviews the work before it posts and signs off the close. You get a faster month-end, tighter internal controls, and CFO-level analysis, without carrying a full finance team on payroll.
Our specialty is US and Canadian small businesses, with our team operating in US business hours and full English fluency. We're QuickBooks ProAdvisors, Xero Advisors, and NACPB Certified Bookkeepers. If you're elsewhere, talk to us. There are situations where we're a fit and situations where we'll refer you to someone better.

Want a finance team that tells you what to do next?

Thirty minutes with our team. Bring last month's numbers and the decision that's been nagging you. No logins needed on the first call. We'll tell you straight whether a controller and fractional CFO can move the needle, and if we can't, who probably can.

Book a 30-min consultation

No contract. No high-pressure follow-up. If we're not a fit we'll say so.