What is a Fractional CFO?
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Your Fractional CFO has the C-level expertise to help you meet revenue and profitability goals and drive revenue growth without the risk and hassle of a full-time employee.
What You Can Count On
I’m embedded with your company, working alongside business owners, CEOs and executives to build a strong financial foundation. This critical work allows the company to grow revenue, become more profitable and adds significant shareholder value.
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About Mike
Mike Kovar is a seasoned financial expert and chief financial officer specializing in providing comprehensive financial guidance to propel businesses towards success. With a wealth of experience and a dedication to excellence, Mike offers personalized financial services tailored to each client's unique requirements, ensuring financial stability and growth.

What Clients Say
"Mike played a significant role in a complex management buyout spinout effort with RED.
As part of the leadership team responsible for rebuilding the new structure, he helped ensure a smooth transition while focusing on financial discipline and strategic alignment.
His ability to balance competing priorities, streamline operations, and navigate the challenges of a spinout was a testament to his strong leadership and problem-solving skills."
Prem Luthra, Former CMO, Real Estate Digital (RED)/Xome
"Mike Kovar worked directly with me at Squar Milner on several financial statement audit engagements and a litigation support engagement for a trustee.
Mike performed as if the engagements were his personally. He worked the litigation support job and was ready to testify on the dime. In particular, his attention to detail with a "reasonable man" concept comes to mind.
His financial statement audit engagements were no different. His application of audit procedures and accounting principles was both effective and practical. We had very complete and thorough audit work papers.
I've known Mike for 10 plus years. He's shown a great sense of being practical while at the same time getting the job done right and on time."
Ray Hermanson, Partner at Squar Milner
"Mike is a results-driven leader who made a significant impact during a challenging period in the mortgage industry. He effectively navigated a turbulent market while de-risking the organization through multiple strategic initiatives.
Under his financial leadership, Mike built the infrastructure that enabled Acra Lending to become the largest Non-QM lender in the nation.
Beyond his impressive financial acumen, Mike consistently championed his team, fostering professional growth and driving process improvements across the organization.
His dedication and strategic foresight set a high bar for financial leadership."
Scott Spencer, MSCS, Acea Lending