Niall Cotter

WORK HISTORY

EDUCATION

SKILLS

ABOUT NIALL COTTER

Are you growing - but still unsure about cash flow, profitability, or what you can really afford to do next?I help founders of service and SaaS businesses build clarity and control through hands-on CFO leadership - without the cost of a full-time hire.With over a decade of CFO experience across private equity, professional services, and SaaS, I’ve supported everything from growth and investor readiness to restructuring and exits. I also spent 16 years at SAP, where I served as Financial Controller for SAP Canada and led FP & A for multiple business units at scale. I supported global finance system rollouts and saw firsthand how data and structure drive better decisions.Today, I work as a fractional CFO — helping founders gain clarity around cash flow, profitability, and strategic planning, so they can act faster and more confidently.Clients typically have a controller or bookkeeper, but lack strategic financial leadership. Common triggers include: Revenue is up, but cash is still tight Forecasts feel like guesswork Pricing, hiring, or margins feel unclear No confidence in the financial modelI bring the experience and tools to help you see what matters, act on it, and avoid costly surprises — including the selective use of AI when it adds real value.Based in Toronto, I work with clients across Canada and the U.S. If you’re facing a financial decision and need real clarity — not just another report — book a free 1-hour CFO session. No prep. No pressure.