Your business deserves
CFO-level thinking.
Without the CFO price tag.
Post a contract opportunity, receive applications from independently licensed CPA consultants, and connect directly with the right expert — no middlemen, no firms, no recruiter fees.
We connect. They advise.
Waves Fractional is a technology platform, not an accounting firm. Every CPA is independently licensed, operating as an independent contractor with personal accountability to their own professional license.
We handle contracts, matching, and payment infrastructure. They handle the expertise — under their own license, their own professional judgment, with full accountability to you.
Uber doesn't drive you anywhere — it connects you to a licensed driver who does. Waves Fractional works the same way. We connect you to an independently licensed CPA who advises your business on their own license, with full professional accountability to you personally.
Your consultant comes to you.
Consultants apply to your posted contract — you review, choose who to speak with, and move forward only when you're ready.
Create your business profile at no cost. No credit card required, no commitment to post a contract.
Inside the platform, describe what you need. Define scope, preferred hourly budget, expected hours per week (1–40), and project timeline. The more specific you are, the better applicants you'll attract.
Independently licensed consultants apply to your contract. You see each applicant's profile — license status, years of experience, industry background, and hourly rate tier. You review on your timeline. No pressure, no sales calls.
Choose who you want to speak with. The free 30-minute scoping call is your chance to confirm fit — ask about their approach, their experience with businesses like yours, and how they'd handle your specific challenge. No commitment, no fee.
When you're ready, a Statement of Work is executed through the platform — defining hours, deliverables, rates, and timeline. Waves Fractional leverages Plaid to handle all payments. Your consultant tracks hours inside the platform. Transparent billing every cycle. Waves Fractional handles 1099 reporting at year-end.
Free to join · No account fees · No recruiter fees
The financial expertise your business actually needs.
Consultants on Waves Fractional specialize in internal finance and advisory — not tax filing or external audit.
Fractional CFO Leadership
Strategic oversight, budgeting, board-ready reporting, and growth-stage planning — part-time, at a fraction of the cost.
Fractional Controller Services
Month-end close, financial statement prep, systems setup, and accounting operations oversight.
FP&A + Cash Flow Management
Forecasting, scenario modeling, KPI dashboards, and the financial visibility to make confident decisions.
Financial Cleanup & Systems
QuickBooks, NetSuite, and financial statement cleanup — get your books accurate before you scale.
Interim Financial Leadership
Coverage during transitions, maternity leave, or rapid growth — with no disruption to operations.
Financial Reporting & Advisory
Clear, timely reporting and strategic context to understand what the numbers mean for your next move.
The highest credential in finance — for a reason.
A CPA does something a general finance consultant cannot: they understand exactly how your financials must be structured for taxes, banks, and investors.
License Accountability
A CPA's license is their most valuable professional asset. They operate under strict ethical and legal obligations that carry real regulatory consequences — a higher standard than most firm engagements.
Financial Architecture
CPAs are the best bookkeepers because they understand the downstream implications of every entry — structuring your finances for tax efficiency, lender readiness, and investor confidence simultaneously.
Exam + Experience
The CPA credential requires passing a rigorous four-part exam plus real-world experience requirements. It is the most demanding professional credential in the finance and accounting field.
We'd rather answer your concerns now.
The questions we hear most from business owners before they register.
Our team monitors every posted contract. If your posting isn't generating qualified applicants within 48 hours, we'll personally assist in refining scope and budget — and proactively reach out to consultants on the platform who match your needs.
Since all payments flow through the platform, you have leverage at every billing cycle. Contracts include clear deliverables — if expectations aren't met, you can initiate a change order, pause the engagement, or raise a dispute before the next payment processes.
Three key differences: You work directly with a senior licensed professional — not a junior associate managed by a partner you rarely see. You pay hourly for exactly what you use. And your consultant has personal accountability to their own license — not a firm's liability shield.
Every consultant operates under professional confidentiality obligations tied to their CPA license — obligations that carry real legal and regulatory consequences. Your Statement of Work also includes confidentiality provisions. This is a higher accountability standard than most firm engagements.
Find your consultant today.
Create your free business profile, post a contract opportunity, and receive applications from independently licensed consultants.
Create Your Free ProfileFree to join · No account fees · No recruiter fees · Cancel anytime