Redding business owner using fractional CFO services 
Fractional CFO in Redding, CA

Expert CFO Services for Business Owners

Mungia CFO Services delivers high-impact financial guidance for small to mid-sized businesses. We provide clarity on your business's financial health and guide your path forward. From financial strategy and planning to mergers and acquisitions (buying and selling businesses), we tailor our services around your objectives.

Financial Support

Our CFO Services

Download our guide to our fractional CFO services to understand what we do (and don’t do), plus key financial roles, responsibilities, and expertise.

Planning & Strategy

  • Financial Strategy

  • Assist with Decision Making

  • Financial Planning

Learn More →

Analysis & Assessment

  • Financial Performance Analysis

  • Accurate Business Valuations

  • Identify growth opportunities

Learn More →

Transactions & Stakeholders

  • Assist with Mergers & Acquisitions

  • Assist with Investor-Lender Relations

  • Negotiate Favorable Funding Terms

Learn More →

Who We Can Help

  • Professional Services

  • Healthcare, Law Firm & More

  • Construction Companies

  • Manufacturing Companies

  • Real Estate

  • Transportation

  • Retail / Food Services

  • Small Business

  • Preparing to sell a business

  • Potential buyers of a business

Fractional CFO in Redding, CA Steve Mungia, calculator and folder representing CFO services
Small business owners using fractional CFO services in Redding, CA from Mungia CFO Services

Navigate Your Finances with Confidence

Redding CFO

We Provide Financial Planning & Strategy

Unlock your business’s potential with our Redding fractional CFO services designed for small to mid-sized companies seeking effective strategic financial guidance. Our approach focuses on budgeting, forecasting, and decision-making support that align with your unique goals. We work closely with you to develop tailored strategies that drive profitability, manage cash flow, and mitigate risk. Whether you’re planning for expansion or streamlining current operations, our CFO solutions provide the clarity and confidence needed to chart a clear, results-driven path forward.

Small business owner looking for financial insight from fractional CFO in Redding, CA Steve Mungia

Turn Data into Financial Insight

Redding CFO

Know Your Company’s Financial Health

Gain an in-depth understanding of your company’s financial health with our comprehensive financial analysis and assessment services. Our fractional CFO solutions equip you with accurate data on cash flow, profitability drivers, and market positioning. Whether you’re assessing potential acquisitions or planning for long-term growth, our expert evaluations ensure you make informed decisions that protect and expand your bottom line. With our strategic insights, you’ll uncover hidden opportunities, mitigate risks, and confidently chart the best path forward for your business.

Business owners looking for help with mergers and transactions in Redding, CA with fractional CFO services

Achieve Sustainable Business Growth

Redding CFO

Strategic Transactions & Financial Growth

Accelerate your business’s growth with our transaction and stakeholder engagement services. Whether navigating mergers, acquisitions, or securing funding from investors or lenders, we provide expert guidance tailored to your goals. Our fractional CFO services help structure deals, simplify financial assessments, and protect your organization’s interests. Using data-driven insights and proven strategies, we empower you to seize opportunities, mitigate risks, and achieve sustainable success in today’s competitive business world.

Why Hire a CFO

The average salary of hiring a CFO is $150K BEFORE benefits. For the cost of a bookkeeper, business owners can afford a fractional CFO (Payscale).

Flexible Financial Guidance

Save on overhead by hiring an experienced CFO on a part-time or project basis, ensuring flexible financial guidance without the commitment of a salary.

Strategic Insights & Guidance

Gain insights tailored to your industry with strategic financial management and planning that optimizes growth, investments, and cost control.

Objective Advice & Leadership

This targeted financial guidance ensures that leadership can make informed choices that align with both immediate objectives and long-term goals.

Scalable Growth & Evolution

Scale seamlessly with a fractional CFO who is adept at managing the complexities of sustainable business growth, while effectively mitigating risks.

Steve Mungia, Fractional CFO services in Redding, CA

Redding’s Trusted Fractional CFO

Meet Your CFO

Steve Mungia

Steve Mungia brings over 20 years of banking experience, including 15 years helping business owners achieve financial goals. With advanced education from CSU Chico, Pacific Coast Banking School, and the University of Washington, Mungia CFO Services specializes in financial analysis, forecasting, and risk management to drive growth and success for your business.

Our Mission

To advise, educate and support small and medium sized businesses with business financial expertise based on experience and knowledge, while simultaneously providing the highest level of confidentiality, integrity, honesty, respect and trust.

Our Vision

To deliver high impact financial advisory services and support to small and medium-sized businesses with the goal of improving business financial awareness and decision making.

Redding CFO

Success Stories from Our Clients & Professionals

Hear from professionals and business owners who have experienced transformative results through our fractional CFO solutions. These testimonials highlight how our strategic guidance, financial analysis, and personalized support empowered clients to overcome challenges, drive growth, and achieve their long-term goals.

  • “I never hesitate to recommend Steve to my clients. He is fair, responsive, generates customized solutions, and works hard to provide sound advice to help business owners make difficult decisions. His background and historical experiences compliment his ability to explain complex subjects in a manner all can understand. Reach out to Steve if you need help with financial analysis, planning, or valuations." 

    Senior V.P. & Regional Commercial Banking Manager  

  • “Beyond his exceptional financial acumen and strategic thinking, Steve’s ability to distill financial metrics and performance indicators down into understandable, actionable steps is a game-changer. He took the time to really understand our business and doesn’t hesitate to give us a realistic perspective – even when the conversations can be hard. One of Steve’s biggest strengths is his inside knowledge of the banking system and the role of credit officers. He has already help us tailor our approach with lenders to secure the best terms, and overall increase the financial health and stability of our business. I wholeheartedly recommend bringing Steve Mungia into your circle of trusted advisors for any small business looking to improve their stability, security, and financial success.”

    David Mauro, Sr. Construction Manager of Timberworks

  • “His work has been instrumental in helping our company grow from $10 million in annual revenue to over $45 million. Recently, he helped our company find a new lending partner which would double our borrowing capital on day one of that new relationship while receiving offers from other institutions which helped us find just the right bank to work with. Lastly, his finance expertise helped us find price agreement with a recent acquisition. I am grateful to have Steve on my team, and I will continue to seek his counsel for years to come." 

    Eric Hess, CFO for COMPASS

  • “He highlighted a few key topics and useful recommendations that could assist us with improving our operations."

    Rob Kohn, CEO for Frozen Gourmet

  • “They have developed a plan that includes the people, the business activities, and required financial concerns. Mungia CFO services is closing the loop in helping CDG Technology move forward with these activities." 

    Mo Ornellas, CEO for CDG Technology

Mungia CFO

Monthly Advisory Plans & Services

*Customized Plans Available

Not ready for a plan but interested in a specific service? Ask about services available on a project or as needed basis.

  • Up to monthly meetings with financial statements, visualizations (software included) and review

  • Financial discussion, analysis and assistance with decision-making during monthly meetings

  • Identify, develop and/or refine Key Performance Indicators (KPIs)

  • Access to proprietary analysis/tools such as:

    • Financial Health Scorecard

    • Cash Flow Management & Financing

    • Treasury (cash) Management 

    • Buy vs. Lease

  • Discounted rates for CFO support on special projects

  • Basic email and phone support

Essentials*

Everything in Essentials Plan plus:

  • Annual budget preparation

  • Budget-to-actual variance analysis

  • Monthly forecasting and financial planning & analysis (FP&A) tools (software included)

  • Peer Comparisons & Key Performance Indicators (KPIs)

  • Customized financial and operational dashboards (up to 3)

  • Customized monthly reporting (software included)

  • Unlimited email and phone support

Traditional*

Everything in Traditionals Plan plus:

  • Weekly meetings with key departments

  • Business Valuation

  • Participate in operational and strategic meetings as needed

  • Capital budgeting & analysis

  • Capital structure analysis (Optimal Debt Ratio)

  • Board and investor relations, presentations and negotiations

  • Bank deposit and lending or equity funding assistance and negotiations

  • Receivable & Vendor risk analysis, structure and negotiations

  • Assistance with Mergers & Acquisitions (M&A)

  • Onsite support (where available)

Strategic*

Unlock your business's financial potential with expert CFO services

Empower your business with tailored CFO services, offering greater financial clarity, planning, and decision-making support.