Jay & Oak Solutions

Your allies on your business journey.

Fractional CFO Services for Mission-Driven Businesses

Financial clarity that honors your values and fuels your impact

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• 5+ YEars experience • Serving EArly to Mid-stage businesses •

We provide thoughtful financial partnership for early to mid-stage mission-driven entrepreneurs ready to grow with purpose.

We are your strategic partners in building a business that enhances your impact through thriving financially.

Here's what can change when we work together:

Feel Confident About Cash Flow

You have simple, consistent systems to make financial decisions from a place of understanding, not stress.

Make Informed, Values-Based Decisions

You rely on financial insights and forecasts that help you see challenges and opportunities well before they happen .

Take Focused Action

You know what is the most crucial aspect of your business to move forward with, and systematic approaches to keep you focused and on target.

Build Wealth That Serves Your Goals

Your decisions are aligned with clearly-defined goals for both your business and your life.

Scale at a Sustainable Pace

You understand your capacity for growth so you can expand your impact thoughtfully and strategically.

Have a Ally in Your Corner

You feel supported by someone who cares about your vision, can help you focus your energy, and is excited to generate ideas with you.

Explore our servicES

What Makes Jay & Oak Different?

We focus on what our client needs to understand, and keep it simple. Accounting was designed for accountants, not small business owners. We ditch the accounting-ese and help you focus on exactly what information you need to make decisions.

Our approach centers on allyship and trust. Every business owner’s journey is deeply personal, filled with hopes, fears, and dreams that go far beyond the balance sheet. You need some who you can trust to navigate that with you. 

We are driven by relationships and collaboration. You are the brains, heart, and body of your business. Our passion is enhancing all of those parts of you to help you make better decisions, and feel better making them. Working together, we can help you achieve more than you could alone.

We care about building wealth for those have been denied it. Business owners of color, women, and queer business owners face extra uphill battles to make their dreams come true. We want to help right the balance by unlocking the secrets behind successful small business, so you can thrive and build wealth for your families and communities.

What Client Say About Us

"Jay & Oak has been a key part of our team at Fresh Love from the beginning. After guiding us from concept through our first successful years (we earned $750K last year), Jonathan is helping us to move from being involved in operations to building our business' future. We're talking profitability, pricing, labor, investments, and debts. The conversations and decisions aren't easy, but we know he is leading us on the path towards smarter decision making and opening our second location."
Ben & Serina
Fresh Love PDX
"I knew where I wanted to be in my consulting practice, and I knew it would take hard decisions to get there, but I was overwhelmed about how to make it happen. Jay & Oak helped me through this unpredictable period and into the business that met my needs. He kept the big picture in mind, considered every likely possibility, and converted each call into achievable, actionable steps for me. Working with him, I felt calmer and more assured. Since that time, my margins and income have grown considerably."
Gregory T.
CONSULTING PHARMACIST
"Jay & Oak was with me from the beginning, and has helped me tremendously as I navigated through some tough times in my practice. Jonathan opened up strategic approaches that I never would have thought of as a new business owner. Throughout our time together he has been understanding and supportive, and a trusted partner when things felt hard."
Heidi V.
Acupuncturist

Common Questions

Most accountants focus on what’s already happened in your business, or specialize narrowly in things like tax strategy. We focus on what’s coming next, and incorporate every aspect of your business. Everything that affects your profits and cash flow – from sales strategies to operational efficiency – is part of how we help you make better decisions

Unlike many fractional CFOs, we love working with “the little guy,” helping them set their foundations for growth or improve profitability at a small scale. This means we will work with businesses generating $200K and up. Our pricing depends upon your annual revenues. 

No. We work month-to-month because we believe the best partnerships are built on mutual trust and satisfaction. If we’re not delivering more value to you than you are paying for, you can walk away at any time. 

We guarantee that you’ll get value from the very first call, and by the second call, you’ll likely see your business with a new perspective. After that, the pace of change depends upon the strategic needs we identify together, and how quickly you can implement those. While every business is unique, the core challenges are often similar, so our proven frameworks typically help clients achieve their initial goals within 3-6 months.   

READY TO GET FINANCIAL CLARITY?

If you’re a mission-driven business owner generating $200K-$5M annually and ready to make confident financial decisions that align with your values, let’s talk.

schedule a discovery call

trusted allies on your business journey.

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