Your financial copilot as your startup grows.

When financial decisions become more complex, when visibility over cash flow is limited, or when the founder needs reliable projections to prepare for growth. There is no need to wait until you can afford a full-time CFO.

At every stage. At pre-seed, the focus is mainly on validating the business model and building a first financial forecast. At seed and Series A, the priorities become cash management, investor reporting and preparing the next round. Our support adapts to your stage and your resources.

They act as your part-time CFO, at the pace of your growth. They track your cash and runway, build your projections, prepare for investor discussions and help you prioritize spending. You get this expertise without hiring a full-time CFO, which is often premature at your stage.

Yes, that is actually the most common situation. We take on the finance role within the leadership team: cash tracking, budgeting, preparing for investor discussions. The founders focus on the product and customers, while keeping a clear view of their numbers.

Every project is different, and it is worth talking about. At the start, light support is often enough: validating the business model, building a first budget, preparing for a competition or a funding application. Together, we find the right level of support for your resources.

The accountant or accounting firm records transactions, prepares the financial statements and handles tax obligations. The CFO builds on those numbers to look ahead: how many months of cash you have left, when to raise, how much and on what assumptions. The two roles complement each other: we work alongside your accounting firm, not in its place.

When the size and complexity of the business justify a daily presence: several entities, a finance team to manage, investors and banks to follow up with constantly, often after a Series B. Until then, a fractional CFO covers what matters most. We can also help define the profile of your future CFO and handle the handover.

Yes. We can work on the business plan, the financial projections, the funding requirements and the financial information prepared for investors.

We start from your business model and your actual data to build three- to five-year projections: revenue, expenses, funding needs and cash. Every assumption is documented and can be challenged. Investors look at how consistent the assumptions are as much as at the numbers themselves.

First, consistency: realistic growth assumptions tied to the market and to your sales resources, expenses that track activity, and a clearly justified funding need. They also check how many months of runway the round gives you and which milestones it should help you reach before the next round.

We set up monthly tracking of your burn rate and of how many months of runway you have left at the current pace. You see pressure coming in advance and can decide in time: cut certain expenses, accelerate a round or adjust your plan.

The data room brings together the documents investors review before investing: financial statements, forecast, cap table, key contracts, business KPIs. We structure it with you, check that the numbers are consistent across documents and prepare answers to the most common financial questions.

Yes. We build your cap table and model the effect of upcoming funding rounds on ownership: amount raised, valuation, employee option pool. You go into negotiations knowing what each scenario means for the founders.

Yes. We help you set a well-argued valuation range by combining several approaches suited to your stage: market comparables, financial projections and methods used by early-stage investors. The final valuation is still the result of negotiation, but you go in with solid arguments.

Yes, on request and based on a quote. We prepare the financials with you and can attend to answer technical questions about the numbers. Commitments remain the founders' responsibility.

Good reporting is short and regular: revenue and key KPIs, budget versus actual, cash and runway, highlights and key points to watch. We prepare this reporting every month or quarter, as a memo or a board pack, so your investors have clear information.

After a round, shareholders want to know how the money is being used: regular reporting, budget versus actual, cash flow indicators. A fractional CFO meets that expectation without waiting for a full-time hire.

Each month you receive a CFO memo and a consolidated tracking file, then discuss them with us in a financial review by video call. Your investors can see that financial management is in place, while you remain in control.

We handle the financial side of your applications, for example for Innosuisse, foundations or cantonal innovation programs: project budget, financing plan, financial forecast. The scientific or technical part is still prepared by your team.

Yes. We analyze your revenue streams, costs, margins and growth assumptions to check that the model holds up financially. The goal is to spot weak assumptions early, before an investor does.

Essential sets up a recurring CFO role: monthly memo, tracking file updated every month, financial review by video call and availability by messaging. Premium includes everything in Essential and is activated during a fundraising round: data room structuring, analysis for investors and preparation of key meetings.

Yes. A Financial Health Check, a budget or a new dashboard can be a first entry point, without necessarily starting with ongoing support.

Yes, on request and case by case. Involvement is light, for example once a quarter, without director liability. We can also help on a one-off basis: reviewing a business plan before a round, founder-to-founder conversations.

No. We start from your current tools, whatever they are, and only change them when it helps. At your stage, clear and regular financial management matters more than a sophisticated system.

KPIs depend on your model: recurring revenue, gross margin, cash burn, runway and customer acquisition cost, for example. We define with you the ones that really matter, then track them in the simplest tool that works, from an Excel or Google Sheets spreadsheet to a Microsoft Power BI, Looker Studio or Tableau dashboard.

A few signs come up often: you can't say how many months of cash you have left, the budget is never compared with actuals, numbers requested by an investor take days to produce, or hiring decisions are made without a financial scenario. If this sounds familiar, a Financial Health Check gives you a quick picture.

Yes. Confidentiality is covered by our terms and conditions, during the engagement and after, and indefinitely for your trade secrets. Our files and email are hosted in Switzerland. We can also sign a non-disclosure agreement before going into the details of your project. We never name a client as a reference without their consent.

The cost depends on your stage, how often we work together and your deadlines, for example a round in preparation. We define a scope suited to your resources together, after a first conversation.

No. There is no minimum term: under Swiss law, the mandate agreement can be terminated at any time. Our support can therefore evolve with your startup, more intensive during a round, lighter afterward.

We work on site with startups in the cantons of Fribourg, Neuchâtel and Vaud, and occasionally in Geneva, Valais and Jura. Financial reviews are held by video call, which also lets us support startups in German-speaking Switzerland, Ticino, France and internationally, in French or English.

We discuss your business, your challenges and your priorities. This conversation helps determine whether TMJ advisory can help and which type of support would be most relevant.