Fractional CFO

Growing fast but not yet ready for a full-time CFO?

Our Part-Time CFO service gives you experienced financial leadership — without the full-time cost — helping you steer smarter, make confident decisions, and scale your business on your schedule

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Business Services

Free yourself to focus on what you do best — growing your business.

Our full-service accounting, payroll, cash-flow, financing and strategic-planning support keeps your operations running smoothly and lets you spend your time building success, not balancing books.

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U.S. Expat Tax Services

Moving abroad doesn’t mean leaving your U.S. tax obligations behind — it often makes them more complex.

We handle the intricacies of dual-country compliance so you can settle overseas with confidence, avoid costly mistakes, and focus on your new life without tax stress.

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Fractional CFO

Growing businesses eventually reach a stage where expert financial guidance becomes essential—but hiring a full-time CFO or controller isn’t always feasible. Our Part-Time CFO services give you access to an experienced financial leader who provides strategic direction, protects your financial health, and supports long-term growth—at a fraction of a full-time salary.

Why Choose a Part-Time CFO?

Our service equips your business with seasoned financial management without the $60,000–$100,000+ annual cost of a full-time executive. You gain clarity, control, and confidence in your financial operations while staying focused on growth.

What’s Included

Our Part-Time CFO services are customized to your business and include:

Fractional CFO Small Business Accounting and Bookkeeping Services
  • Strategic financial guidance for better decision-making and long-term planning
  • Improved financial visibility with timely reports, budgeting, forecasting, and trend analysis
  • Cash flow and profitability management by service, product line, or department
  • Stronger financial controls to reduce risk, prevent fraud, and increase profit margins
  • Leadership and training for your internal accounting staff
  • Tax-saving strategies and proactive planning
  • A trusted, professional sounding board for complex business decisions
  • Support with financing, including bank negotiations and lender relations
  • Vendor and partner liaison with bankers, attorneys, insurers, and other key partners
  • Policy and procedure development, including accounting manuals and collection processes
  • Mergers & acquisitions support, equipment purchase analysis, and expansion planning
  • Leadership and training for your internal accounting staff
  • Tax saving strategies and proactive planning.

With a Part-Time CFO on your team, you gain a strategic partner who ensures your financial systems are accurate, efficient, and aligned with your business goals—so you can focus on growth with confidence.

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Business Services

Free yourself to focus on what you do best — growing your business.

Our full-service accounting, payroll, cash-flow, financing and strategic-planning support keeps your operations running smoothly and lets you spend your time building success, not balancing books.

Small Business Accounting and Bookkeeping Services
  • Small Business Accounting As a small business owner you have more important things to do than to keep your own books. We take care of your books for you, so you can get back to the job of running your business and generating profits
  • Payroll We offer payroll solutions that meet your business's needs and enable you to spend time doing what you do best--running your company.
  • Cash Flow Management A cash crisis can be emotionally devastating. It can even kill your business. The starting point for avoiding a cash crisis is allowing us to develop a cash flow projection for you.
  • Bank Financing Requesting a business loan without adequate preparation sends a clear message to the lender: High Risk! It pays to be prepared and organized in your approach for financing.
  • Strategic Business Planning If you still have all your plans and ideas locked up inside your head, preparing a strategic plan can help you clarify your company's direction.
  • New Business Formation Opening your own business is exciting and thrilling. It's everything that comes after the excitement and thrill has worn off that dictates whether a small business will make it or not.
  • Non-Profit Organizations The IRS uses very specific revenue and expense classifications to determine if your organization will retain its tax-exempt status.
  • Internal Controls We assess your internal control systems to determine the efficiency and effectiveness of your operating procedures, then we make recommendations that help your company become stronger.
  • Incorporate Online Start saving taxes now by Incorporating your business.

With expert accounting, payroll, cash-flow management, financing guidance, and strategic planning all in one place, we keep your operations running smoothly so you can spend your time building success.

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Book a Consultation

U.S. Expat Tax Services

Moving abroad doesn’t mean leaving your U.S. tax obligations behind - it makes them more. intricate. At Caja Holdings, we provide the clarity and compliance American professionals, business owners, and families need when relocating to Spain or other international destinations. Our expertise ensures you can focus on building your new life and business, not on the risk of double taxation or an IRS notice.

We specialize in navigating the unique financial landscape for U.S. citizens moving to Spain, with deep experience in structuring income under the Digital Nomad Visa and various residency programs. Whether you're a self-employed individual, running an LLC, or working remotely for a U.S. company, our team proactively manages your global income to maximize savings and ensure seamless, efficient filing on both sides of the Atlantic.

Why Choose Caja Holdings for Your Expat Taxes?

US Expat Accounting and Bookkeeping Services
  • Dual-Country Compliance & Peace of Mind: We eliminate the guesswork by coordinating your U.S. filings directly with your Spanish advisors, delivering a single, unified strategy that guarantees consistency and full international compliance.
  • Maximum Tax Savings Strategy: We go beyond simple filing. We analyze your complete financial picture to determine whether the Foreign Earned Income Exclusion (FEIE) or Foreign Tax Credit (FTC) yields the greatest savings—ensuring you pay the absolute minimum amount required.
  • Expert Handling of Expat Structures: We manage the complexities specific to expat life, including FBAR and FATCA requirements, overseas LLCs, and international rental property income.
  • Transparent, Modular Pricing: In line with our commitment to transparency, our clear fee structure means you only pay for the specific services your unique expat situation requires, with no hidden costs.
  • Your Personalized Strategy Starts Here: Every client receives a complimentary, one-on-one consultation to establish a precise and tax-optimized strategy for your move.

Don't let your international move become a tax headache. Schedule your complimentary consultation with a Caja Holdings Expat Specialist today to secure your tax-compliant and stress-free life abroad.

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Book a Consultation

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