Fractal / Resources

Read. Use. Diagnose.
Then, if it fits, work with us.

Everything we've built for our own work, in a form you can use today. Notes, templates, tools. Free where it makes sense, paid where it saves you a quarter. No email gate on anything free.

How this fits together
01

Read

Notes from real deals. Free, no gate. Start here if you want to know how we think.

Live · Free
02

Use

Templates and frameworks we use on every mandate. Free, with paid Pro versions for the deeper walk-through.

Live · Free + Pro
03

Diagnose

Interactive tools. Enter your numbers, get a benchmarked diagnosis in 30 seconds.

Soon · Tools
04

Members

Fractal Operators. CFO-level content, monthly office hours, private community. For founders who can't (yet) afford the retainer.

Soon · Members
05

Retainer

Fractional CFO and fundraising advisory. Pre-seed to Series B. Beyond if the fit is there.

Live · From CAD 6k/mo
Read · Notes from real deals

Read.

Short pieces, written like a memo to a partner. We publish what we use, not what looks good in a deck.

Free

ARR vs revenue: the five traps

Web · 8 min
  • Usage-based revenue mislabeled as ARR
  • Implementation fees smoothed into recurring
  • Annual prepaids double-counted in MRR
  • Churned logos still in the bookings number
  • Discounted contracts priced at list
Read the note → Free

Burn Multiple: what actually moves it

Web · 8 min
  • How to compute Burn Multiple honestly
  • What the number is actually telling you
  • The four levers that move it
  • Three traps we see in most decks
Read the note →
Use · Templates & frameworks

Use.

The Excel and PDF artifacts we run on every mandate. Free and stress-tested. The Pro version of an asset includes a walkthrough recording and a 1:1 call applied to your numbers.

Free

SaaS budget & financial projections

Excel · v2
  • 3-statement model, monthly, 3 years
  • Driver-based by segment
  • Scenarios built in
  • Plug to actuals, fork for hiring plans
Download the template ↓
Pro · 650 CAD

SaaS Budget Pro

Excel · Walkthrough · 1:1 call
  • Full Excel model, with the hiring plan template included
  • Screen-share walkthrough, ~30 min, audio plus screen, no face cam
  • 30-min Q&A on Zoom, applied to your actuals and your assumptions
Done. We'll email you the buy link within 24h.
Free

SaaS FDD checklist

PDF · 10 pages
  • 40 buy-side FDD diligence points
  • Quality of ARR + cohort retention
  • CAC payback + working capital
  • Management adjustments, the questions we ask
Download the checklist ↓
Pro · 650 CAD

FDD Checklist Pro

PDF · Scoring sheet · 1:1 call
  • Full PDF checklist with annotations on each of the 40 points
  • Excel scoring sheet, completed for your business by us
  • 60-min review call, findings plus a remediation plan you can run
Done. We'll email you the buy link within 24h.
Free

Pro-forma cap table

Excel · v1
  • Round-by-round dilution modeling
  • Option pool refresh, modeled
  • Liquidation preference scenarios
  • Exit waterfall, ready for the data room
Download the template ↓ Free

Deep tech DD checklist

PDF · 16 pages
  • TRL + commercial readiness scoring
  • Capex intensity + payback math
  • Gross margin ramp, pilot to scale
  • IP depth + grant dependency
Download the checklist ↓
Diagnose · Interactive tools

Diagnose.

Type your numbers, get a benchmarked diagnosis in 30 seconds. The output is free. The full PDF report (with comparison to your stage cohort) is paid, optional.

Tool

Burn Multiple calculator

Tool · Web · Launching soon
  • Your Burn Multiple, computed honestly
  • Seed-stage benchmark, side by side
  • Four levers, ranked by impact
  • One-page diagnosis you can paste in a board update
You're on the list. We'll email you the day it ships.
Tool

ARR Quality scorer

Tool · Web · Launching soon
  • Five questions, two minutes
  • Quality grade out of 100
  • Red flags an acquirer will surface
  • Comparison to your stage cohort
You're on the list. We'll email you the day it ships.
Tool

FDD Readiness self-assessment

Tool · Web · Launching soon
  • 40 prompts: revenue, working capital, governance
  • Single readiness score, 0 to 100
  • The gaps to close before the data room
  • Built from real buy-side mandates
You're on the list. We'll email you the day it ships.
Members · Fractal Operators

Members.

For founders who want CFO-level content without the retainer. One yearly fee, ongoing access, real artifacts. Designed for pre-seed and seed founders who'll graduate to a retainer when the time is right.

Members · 1 500 CAD/yr

Fractal Operators

Membership · Annual · Founding cohort Q3 2026
  • All Pro versions included, no extra cost
  • Quarterly CFO-level deep-dive, 10 to 15 pages
  • Monthly live office hours, audio + screen-share, Q&A
  • Private community of pre-seed and seed founders
  • Annual benchmark report, members get it first
  • Founding cohort opens at half price, capped at 20 members
You're on the founding cohort list. We'll email when enrollment opens.

More coming. We publish what we use. If you want something specific, ask.

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