Fractional CFO Churches $2M to $10M

Senior financial leadership for your church.

The best financial decisions happen when strategy meets the mission. As a CPA who currently serves churches across the country, I help you bridge the gap between your bookkeeping and your long-term goals. I provide the systems and reporting rhythms your board needs to trust the numbers and pursue the future.

Free, about 3 minutes, no sales pitch. A clear read on where your church really stands.

Credible where it counts CPA & Sitting Church CFO Fractional CFO & Coach to churches nationwide KPMG alum MACPA Board of Directors Church Law & Tax

What is a
fractional
church CFO?

A fractional church CFO gives you senior financial leadership part time. Your bookkeeper records what happened and your auditor checks it. A CFO helps you understand what it means, what is at risk, and what to decide next, plus the systems, reporting rhythms, and the right people to support it, without the cost of a full time hire.

If this sounds familiar

You lead the vision.
The numbers should not keep you up at night.

Three patterns show up in almost every growing church we help. None of them mean you failed. All of them are fixable.

Time lost in the numbers

Your leaders spend hours trying to make sense of financial reports instead of leading. Every report seems to raise more questions than it answers.

Decisions on a guess

Big calls on buildings, staffing, and debt get made on gut feel, because no one fully trusts what the numbers are actually saying.

Systems that do not talk

Giving, payroll, accounting, and approvals each live in their own corner, so nothing reconciles and no one holds the full picture.

You are not alone if your church finances feel messy. I fix that. After nearly two decades in the church CFO chair, I can tell you it is more common than anyone admits from the platform. The good news is simple. It is fixable, and clarity is closer than you think.

Tim Samuel, CPA · Sitting Church CFO, and Fractional CFO & Coach
The path from chaos to clarity

Four moves. One steady hand.

A proven sequence refined inside a real, growing church. We start wherever you are and build from there.

01

Stabilize

Get a clear, honest picture of where you truly stand, restore trust in the numbers, and steady the foundation.

02

Systemize

Install the right tools and reporting rhythms so your finances run smoothly without heroics every month.

03

Scale

Guide growth with clear metrics, the right staff structure, and strategies that stay sustainable as you grow.

04

Sustain

Future proof the mission with long term planning, healthy reserves, and board and staff financial training.

In about 180 days: Financial clarity·board ready reports·confidence to decide·a strategy that funds the vision
Free interactive tool

The Clarity Check

You probably have plenty of financial reports already. The hard part is knowing what they mean and what to do next. In about three minutes, the Clarity Check shows you where your church stands and what to focus on first.

  • Where your leaders are losing the most time
  • Where reporting and approvals create friction
  • What to focus on first, and a free review with Tim
Take the Clarity Check
What you will see
“A clearer operating system and the judgment to know what matters next will move your church further than another report.”
A sample read. Yours reflects your real answers.
ChaosClarity
Your guide

A CPA who has actually sat in the church CFO chair

“I use numbers combined with business knowledge to change lives by the grace of God.”

Most accountants do not understand the weight of donor trust. Most pastors did not train to read a balance sheet. Tim speaks both languages, and he has been doing it inside a real, growing church for nearly two decades.

Today
Still CFO of BridgewayA multicultural church of 5,000 from 50+ nations.
CPA
KPMG trainedBegan his career at one of the Big Four accounting firms.
$20M
Debt eliminatedHelped churches clear millions and build real reserves.
3x
Published advisorChurch Law & Tax, and Co-Host of the XPastor One-Day Summits.
Talk with Tim
Meet Tim

See how he thinks about church finance.

A short introduction from Tim on helping church leaders move from financial chaos to financial peace, in his own words.

Speaker reel · about 1 minute 40 seconds

Trusted by leaders who steward real budgets

Proof from inside a real, growing church.

Tim conquers financial obstacles, clarifies financial options, and creates future opportunities. He has served our church with competency, proficiency, and aptitude.
Dr. David Anderson · Senior Pastor, Bridgeway Community Church
The Bridgeway story

Nearly two decades in one CFO seat, and still there.

Tim has spent his career as CFO of Bridgeway Community Church, helping lead it through debt payoff, stronger reserves, and the move to connected, trusted financial systems, all while it grew into a church of 5,000 from more than 50 nations. He still sits in that seat today while advising churches nationwide.

Read the full story
5,000
People from 50+ nations at Bridgeway
KPMG
Where Tim began his career
CPA
MACPA Board of Directors
Today
Still in the seat, advising nationwide
Questions pastors ask

Straight answers,
no jargon.

Still wondering something? The free call is the fastest way to a clear answer.

Book a free call
When should a church hire a fractional CFO instead of a bookkeeper?

A bookkeeper records what already happened. A fractional CFO helps you decide what happens next: reserves, debt strategy, staffing, and board reporting. Most churches benefit once their budget passes about $2M, when financial decisions carry real weight but a full time CFO is not yet justified.

How much should a church keep in reserves?

Commonly cited guidance is roughly three to six months of operating expenses. The right target depends on your giving patterns, debt, and seasonality. A reserve strategy turns the worry of one bad month into the freedom to say yes to the mission.

What does a fractional church CFO actually do?

You get senior financial leadership part time: CFO level judgment on what your numbers mean and what to decide next, healthy reserves and debt strategy, board ready reporting rhythms, and the right systems and people in place, without the cost of a full time hire. The bookkeeping and the audit stay with your bookkeeper and auditor.

Do you work with churches outside Maryland?

Yes. Tim is based in Columbia, Maryland and serves churches nationwide, remotely. Cloud accounting gives you and your board full visibility from anywhere.

Is my church too small or too large?

Tim focuses on churches in the $2M to $10M range. That is where decisions get complex enough to need a CFO, but a full time hire is hard to justify. If you are near that range, the free call will tell you quickly whether it is a fit.

From Tim's desk

Practical guidance for church finances.

Free 30-minute strategy call

Let us find your clarity.

See where your church is losing time and confidence, and the clearest next step to fix it. No pressure, no jargon. Tim reviews every call personally.

Serving churches in Columbia, Maryland and nationwide, remote.