Andy Smith

About Andy Smith

I help founders, CEOs, and private investors scale their businesses when they need seasoned financial and operational leadership. As a Fractional CFO and COO available through Toptal, I partner with SMBs and mid-market companies to strengthen financial operations, improve cash flow visibility, drive EBITDA growth, and prepare for fundraising or ownership transitions.With 25+ years of finance and operations leadership, I bring a combination of CFO and COO experience.What I\'ve delivered for companies:• Reduced close cycle from 30+ days to 5 days, improving board reporting and decision-making• Improved AR current rate from 75% to 83%, generating $300K+ per week in additional cash flow• Negotiated $650K in lease reductions and $1.2M in operating expense savings• Led 10+ acquisitions totaling $400M+ in transaction value, from due diligence through integration• Executed a full-company turnaround, expanding gross margins from 25% to 35% and improving monthly cash flow by $400K• Supported a successful IPO and $220M follow-on secondary offering at a pre-IPO companyIndustries include: SaaS · AdTech · Distribution and Logistics · Professional Services · International Joint VenturesI’m open to both fractional/interim engagements and full-time CFO or COO opportunities with the right company and leadership team.

Experience

1. Fractional CFO & Financial Consultant

   Toptal

   Feb 2026 — Present · Seattle, WA, US

   Toptal is a global talent marketplace connecting companies with rigorously vetted fractional executives and financial professionals. Accepted into Toptal\'s expert network following a selective screening process.• Provide fractional CFO and COO leadership to PE-backed, venture-backed, and founder-led SMBs and mid-market companies on a project and interim basis• Partner with CEOs, founders, and boards to strengthen cash flow management, improve forecasting accuracy, drive EBITDA growth, and prepare for fundraising or ownership transitions• Design and implement financial models, 13-week cash forecasts, KPI frameworks, and board-level reporting to support growth and capital planning• Serve as a hands-on financial and operational partner — bridging the gap between financial strategy and day-to-day executionEngagement focus areas: Cash Flow & Liquidity Management · EBITDA Improvement · M&A Due Diligence & Integration · Turnaround & Restructuring · FP & A Build-Out · Board & Investor Reporting

Education

• Seattle University

  Bachelor of Business Administration - BBA, Accounting

Skills

• Sem
• Mobile Devices
• Search Engine Marketing (Sem)
• E-Commerce
• Strategic Partnerships
• Online Advertising
• Scalability
• Google Analytics
• Mobile Marketing
• Business Development
• Digital Marketing
• Ppc
• Online Marketing
• Web Analytics
• Affiliate Marketing
• Analytics
• Advertising