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Virtual Cfo Jobs in Tennessee (NOW HIRING)

AppleOne

CFO

Chattanooga, TN

$160K/yr

This direct hire CFO opportunity is ideal for a hands-on financial executive who can balance strategic guidance with close involvement in day-to-day accounting, reporting, cash flow, and operational ...

Gecko Hospitality

Chief Financial Officer

Maryville, TN · On-site

$200K - $220K/yr

This is a CFO-level opportunity within a sophisticated, multi-faceted hospitality environment encompassing luxury accommodations, food and beverage, wellness, retail, events, recreation and ...

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All JobsCfo JobsVirtual Cfo JobsVirtual Cfo Jobs in Tennessee

Virtual Cfo information

See Tennessee salary details

$10

$22

$30

How much do virtual cfo jobs pay per hour?

As of Sep 6, 2026, the average hourly pay for virtual cfo in Tennessee is $22.14, according to ZipRecruiter salary data. Most workers in this role earn between $18.56 and $24.86 per hour, depending on experience, location, and employer.

What is a Virtual CFO?

A virtual CFO has many of the same duties as a traditional chief financial officer, but they work remotely as a third-party provider. They typically deal with smaller organizations that don’t have an executive in this position or the budget to hire one. They handle the financial dealings of a business, often using cloud applications to manage their affairs. They typically offer a suite of services ranging from financial planning to bookkeeping to budgeting. Some virtual CFOs work on an ongoing basis for a client whereas others work on a single project.

What is a Virtual CFO?

A Virtual CFO (Chief Financial Officer) is a finance professional who provides strategic financial guidance and management to businesses on a part-time or remote basis. Unlike a traditional in-house CFO, a Virtual CFO works with multiple clients, helping them with budgeting, forecasting, financial planning, and reporting. This service is especially popular with small and mid-sized businesses that need expert financial advice but do not require a full-time executive. By leveraging technology, Virtual CFOs can deliver their services efficiently and cost-effectively.

How does a Virtual CFO typically interact with internal teams and external stakeholders?

A Virtual CFO collaborates closely with internal teams such as accounting, operations, and executive leadership, often through virtual meetings and cloud-based platforms. They also interact with external stakeholders like auditors, investors, and banks to provide financial insights and ensure compliance. Clear communication and proactive reporting are key, as the Virtual CFO must bridge gaps between departments and align financial strategy with business goals. This collaborative approach helps streamline decision-making and supports organizational growth.

What are the key skills and qualifications needed to thrive as a Virtual CFO, and why are they important?

To thrive as a Virtual CFO, you need a solid background in accounting, financial analysis, and strategic planning, often supported by a CPA or similar finance qualification. Familiarity with cloud-based accounting platforms, financial modeling tools, and ERP systems is typically required. Excellent communication, problem-solving, and relationship-building skills help you effectively advise clients and manage remote teams. These capabilities enable Virtual CFOs to provide strategic financial leadership, ensure regulatory compliance, and drive business growth for their clients.

What is the difference between Virtual Cfo vs Bookkeeper?

AspectVirtual CfoBookkeeper
CredentialsFinancial management experience, CPA or similar certifications often preferredBasic accounting or bookkeeping certifications, high school diploma or equivalent
Work EnvironmentRemote or on-site, strategic financial planning for businessesPrimarily office or remote, focused on recording financial transactions
Employer & Industry UsageUsed by small to medium-sized businesses for strategic financial oversightUsed across various industries for day-to-day transaction recording

The Virtual Cfo provides strategic financial guidance, budgeting, and financial planning, whereas a bookkeeper handles daily transaction recording and basic accounting tasks. While both roles are essential for business financial health, the Virtual Cfo focuses on high-level financial strategy, making it suitable for businesses seeking growth and financial insight.

How much do virtual CFOs make?

Virtual CFOs typically earn between $75,000 and $200,000 annually, depending on experience, client size, and scope of services. Many work on a part-time or project basis, with some charging hourly rates ranging from $100 to $300 or more. Compensation can also vary based on certifications, industry expertise, and geographic location.
More about Virtual Cfo jobs

What are the most commonly searched types of Cfo jobs in Tennessee?

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For Virtual Cfo jobs in Tennessee, the most frequently searched job titles are:

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Virtual Cfo jobs near you
Infographic showing various Virtual Cfo job openings in Tennessee as of August 2026, with employment types broken down into 91% Full Time, 7% Part Time, and 2% Contract. Highlights an 38% Physical, 3% Hybrid, and 59% Remote job distribution, with an average salary of $46,060 per year, or $22.1 per hour.

CFO Chief Financial Officer

Concrete Pump Partners

Nashville, TN • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 27 days ago

Job description

Chief Financial Officer


Company: Concrete Pump Partners — commercial and residential concrete placement

Location: Nashville, TN — onsite, with occasional travel to branch locations

Reports to: Chief Executive Officer

Direct reports: Accounting manager (including AP, AR, billing)

Compensation: Competitive base + annual incentive


Why This Role Exists

Our accounting function is in good shape. The books close on time, job costing is in place, and the numbers are reliable, audited annually and reported to lenders quarterly. What the company requires now is a financial leader who turns clean data into better decisions in this construction services business: higher gross margin per crew-day, pricing discipline, smarter capital deployment across locations, improved cash and leverage management and a leadership team that argues from evidence instead of instinct. This is a seat at the table, not a scorekeeper role. The CFO is expected to challenge operations, sales, and the CEO — with numbers, in real time, before decisions get made.


Core Responsibilities

1. Profitability and Unit Economics

• Own the economics of a job/work order: labor, fuel, and supplies by job type, and regular maintenance/repair costs

• Drive margin analysis down to the operator, branch and area levels. Make it visible to the people who can change it.

2. FP&A and Forecasting

• Own a driver-based financial model: crews, crew-days, jobs, yards placed, utilization.

• Rolling 13-week cash forecast and an annual plan with monthly reforecast.

• Scenario analysis for weather, cement and aggregate price movement, labor availability, and demand cycles.

3. Leadership Voice and Operating Cadence

• Serve as a full peer on the leadership team — expected to work with the CEO, ops, and sales when the numbers do not support the plan.

• Run the monthly business review and hold the leadership team to the operating cadence.

• Translate financial reality into language superintendents and crew leads act on.

4. Cash, Working Capital, and Risk

• Lead the billing, AR, and AP functions via the Accounting Manager — you own billing velocity, pay

application accuracy, AR aging, and vendor payment discipline.

• Manage banking, line of credit, and equipment financing relationships.

• Own the insurance program including all types.

5. Capital Allocation

• Manage relationships and terms with current and future lenders

• Build the framework for fleet decisions — buy, trade, or lease and how to finance — with cost per

operating hour and replacement timing.

• Evaluate crew expansion, new branch or new market entry, and any acquisition opportunity with a

consistent return standard.

6. Systems, Controls, and Team

• Lead and develop all team members; keep the close fast and clean while shifting your own time to

forward-looking work.

• Assess the transactional teams early — billing and collections are where cash is won or lost in this

business, and they need a leader, not just a supervisor.

• Own the ERP and job-costing/work order stack and any system upgrade or migration.

• Maintain accounting, internal controls, and the annual review or audit.


Qualifications

Required

• 10+ years of progressive finance leadership, including ownership of FPA in an operating business.

• Deep command of job costing and components.

• Demonstrated record of driving margin improvement — not just reporting on it.

• Experience managing and negotiating banking, lender, and surety or bonding relationships.

• Direct experience leading transactional finance teams — billing, AR, and AP.

• Ability to hold your own with operators: credible on a jobsite, not only in a conference room.

• Willingness to be direct with the CEO and the leadership team.

Preferred

• Commercial/home services background (this is not POC-based).

• Experience with financing of heavy equipment, and related accounting and analysis.

• Multi-site or multi-branch experience with location-level PL accountability.

• Experience in a business with scale (CPP has close to 300 employees)

• CPA, MBA a plus


We Will Also Consider

A high-performing Controller ready for a step up, if you bring:

• Meaningful tenure and depth in services/work order based accounting and experience with heavy

equipment loans and financing

• Real FP&A range: you have built the model, run the forecast, and defended the numbers to a lender, board, or owner.

• Evidence you can lead people and influence peers outside of finance.


If that is you, tell us plainly in a note what you have owned end to end and where you have driven a

measurable financial outcome.


What We Offer

Competitive compensation and benefits structure, and an opportunity to lead and make an impact. Collegial team environment.