Fractional CFO for Multi-Unit Franchisees

Financial Clarity for Multi-Unit Franchise Growth

If you're operating 3-20 franchise locations and relying on spreadsheets and gut feel to make expansion decisions, you're not alone. Most multi-unit operators lack the real-time financial insights needed to scale profitably.

PCK Consulting provides fractional CFO services specifically designed for multi-unit franchisees who want data-driven growth without the $300K+ cost of a full-time CFO.

Why Multi-Unit Operators Choose PCK Consulting

• Franchise-specific expertise – I understand unit economics, royalty structures, development schedules, and FDD Item 19 analysis
• AI-powered dashboards – Real-time profitability tracking by location, automated reporting, predictive analytics
• Strategic partnership – Monthly financial reviews, expansion modeling, cash flow forecasting
• Proven credentials – CPA + CFA with Big 4 audit and hedge fund trading background

What I Do for Multi-Unit Franchisees

AI-Powered Unit-Level Analysis

Automated dashboards showing real-time profitability by location. Identify your top and bottom performers, understand why, and optimize accordingly.

Development Schedule Modeling

Monte Carlo simulation for expansion scenarios. Should you open 5 locations in 3 years or 10 in 5 years? Model the cash flow impact and make informed decisions.

Expansion Financing Strategy

Cash flow forecasting for growth. Plan buildout timing, manage working capital, and ensure you have the capital to scale without running dry.

Multi-Entity Consolidation

Consolidated financial reporting across multiple LLCs. See your entire portfolio at a glance, not location by location.

FDD Item 19 Validation

Compare your actual unit economics against franchisor projections. Understand if your performance is on track or if adjustments are needed.

How It Works

1. Discovery Call – We discuss your portfolio, growth plans, and current financial setup. I'll scope the right level of support for your stage.

2. Onboarding – I integrate with your existing systems (QuickBooks, POS data, franchisor reporting) and build automated dashboards.

3. Monthly Partnership – Regular financial reviews, strategic guidance, and on-demand support as questions arise.

4. Quarterly Planning – Strategic sessions to plan expansion, review performance, and adjust course as needed.

Pricing Tiers

• 3-5 locations: $4,000-$5,000/month (15-20 hours)

  • Monthly financial review and KPI tracking
  • Unit-level profitability analysis
  • Quarterly strategic planning

• 6-15 locations: $6,000-$8,000/month (20-30 hours)

  • All above services
  • Development schedule cash flow modeling
  • Multi-entity consolidated reporting
  • Expansion financing strategy

• 16+ locations: $8,000-$12,000/month (30-40 hours)

  • All above services
  • Full strategic CFO partnership
  • M&A due diligence for acquisitions
  • Advanced scenario modeling

Every engagement starts with a discovery call to ensure the right fit and scope.

My Background

• CPA + CFA charterholder – Financial rigor and analytical depth
• Big 4 audit (PwC) – Experience with multi-entity financial reporting and controls
• Hedge fund trading – Risk management and sophisticated financial modeling
• Chicago Booth MBA – Strategic finance and economics foundation
• Python & AI expertise – Automated reporting, real-time dashboards, Monte Carlo simulation

I bring Wall Street-level financial sophistication to Main Street franchisees—without the corporate overhead.

The Tech Difference

Unlike traditional CFOs who rely on month-old Excel spreadsheets, I use:

• Python automation – Automated data collection and reporting
• AI-powered dashboards – Real-time insights, not historical summaries
• Monte Carlo simulation – Probabilistic forecasting for expansion scenarios
• Predictive analytics – Forward-looking metrics to guide decisions

You get strategic guidance based on current data, not last month's close.

Industries I Serve

I specialize in non-financial services franchises:

• QSR & Fast Casual – Unit economics, food costs, labor optimization
• Fitness & Wellness – Membership revenue modeling, studio economics
• Home Services – Route optimization, territory management, vendor relationships
• Automotive – Inventory management, multi-location operations
• Education & Tutoring – Session-based revenue, seasonal planning
• Senior Care – Labor-intensive operations, regulatory compliance
• Beauty & Wellness – Membership models, service mix optimization

Ready to Scale Profitably?

If you're managing multiple franchise locations and want to move from spreadsheets to real-time insights, let's talk.

Schedule a discovery call to discuss your portfolio and growth plans. No sales pitch—just an honest conversation about whether fractional CFO services are the right fit for your stage.