What Smart CFO does

Smart CFO is a Chilean professional services and SaaS firm founded in 2016 that delivers outsourced financial management to small and medium-sized enterprises in Chile. Its offering is organized into three recurring service lines — Fractional CFO (a fractional executive engagement with assigned CFOs and treasurers), BPO Digital (outsourced accounting, bank reconciliation, payroll, payments, and monthly taxes), and Tax Advisory (tax planning, SII management, and annual Operation Renta filings) — sold through a consultative, meeting-based sales motion targeting Chilean SMEs that cannot afford a full-time internal finance function.

The firm operates a proprietary technology platform, Portal Smart CFO, which centralizes client financial data, delivers real-time KPI dashboards (margins, cash flow, accounts receivable), and adds AI-driven automation over bank reconciliation, accounting, and anomaly detection. The platform is integrated with Chilean banks, the tax authority (SII), Previred, Buk, and Talana, allowing client data to flow natively into the firm's workflows without manual transcription.

Revenue is generated through monthly recurring subscriptions priced per client scope, with custom enterprise pricing rather than public tiers. Smart CFO is privately held and founder/management-led by CEO Gabriel Vergara alongside a multidisciplinary leadership team (CTO, Chief Tax Officer, CFO, COO), serves 300+ companies from a single Santiago office, and generates no disclosed revenue, funding, or institutional ownership.

Name

Smart CFO

Legal name

Smart CFO

Website

https://smartcfo.cl

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Smart CFO is a Chile-based firm founded in 2016 that delivers outsourced Fractional CFO, BPO Digital, and Tax Advisory services to small and medium-sized enterprises through its proprietary Portal Smart CFO platform with AI-driven automation and native integrations to Chilean banks, SII, and payroll systems.

Ownership category

akta.pro rank

Product category

Outsourced Financial Management Services

NAICS

Computer Systems Design and Related Services (54151), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Finance Services (6199)

akta.pro primary industry

Outsourced Finance & CFO Services (BPAHABAE)

akta.pro secondary industries

General Ledger & Close (Journal Entries, Month-End Close, Reconciliations) (BPAAAGAC), Accounts Payable (Invoice Processing, 2/3-Way Match, Vendor Payments) (BPAAAGAA)

Keywords

• Fractional CFO services
• Outsourced finance management
• Tax advisory services
• BPO financial services
• SME financial consulting

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Fractional CFO Services: Expert CFO services delivered on a fractional/part-time basis — a CFO assigned to the client company on an ongoing monthly basis with financial accompaniment, analysis, planning, and treasury management. Revenue is generated through recurring service fees for the fractional CFO engagement.
2. BPO Digital Services: Full financial and administrative operations outsourcing including bank reconciliation, accounting, monthly taxes (F29/F50), payroll management, accounts payable, and invoicing. Delivered by a team of specialists using the proprietary platform. Revenue is generated through recurring BPO service fees.
3. Tax Advisory Services: Tax advisory covering tax planning, SII patent management, Operation Renta (annual tax return), financial statements, and tax balance sheet preparation. Includes Tax as a Service model with personalized tax planning and compliance management.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Smart CFO delivers outsourced senior financial management to Chilean SMEs through three integrated service lines: Fractional CFO (an assigned expert CFO providing strategic financial accompaniment and monthly reporting), BPO Digital (operational outsourcing of accounting, bank reconciliation, payroll, taxes, and payments), and Tax Advisory (tax planning, SII management, and Operation Renta filings). All services are delivered and orchestrated through its proprietary Portal Smart CFO platform, which centralizes financial data, automates processes with AI, and integrates with Chilean banks, SII, Previred, Buk, and Talana.

Product overview

Smart CFO offers a unified portfolio of three core service verticals—Fractional CFO, BPO Digital, and Tax Advisory—complemented by its proprietary Portal Smart CFO platform. The three service lines work together to cover end-to-end financial management: Fractional CFO provides strategic CFO expertise and financial planning; BPO Digital handles day-to-day accounting, payroll, and operations; and Tax Advisory manages compliance and optimization. The Portal Smart CFO serves as the central technology layer, connecting all services with AI-powered automation, real-time dashboards, and native integrations with Chilean banks, SII, Previred, Buk, and Talana.

Differentiator

Problem solved

Functional benefit

Brands

• Portal Smart CFO: Proprietary platform for centralized financial information management, automated processes with AI, team collaboration, KPI dashboards, and integrations with banks, SII, Previred, Buk, and Talana.

Products and services

• Fractional CFO

Quantifiable outcome

• +12% operational margin (sample metric shown on portal dashboard)
• +1 more outcomes

Named customers11 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• SII (Servicio de Impuestos Internos de Chile)coreTechnology or IntegrationSmart CFO integrates with Chile's Internal Revenue Service (SII) for tax compliance, patent management, Operation Renta filings, and F29/F50 submissions. This integration is a core part of the Tax Advisory service offering.
• BukcoreTechnology or IntegrationIntegration with Buk (Chilean HR/payroll software) to synchronize employee data, payroll calculations, and HR management. This supports the BPO Digital remuneration management service.
• TalanacoreTechnology or IntegrationIntegration with Talana (Chilean HR and payroll management platform) to synchronize employee data and payroll operations as part of the remuneration management service within BPO Digital.
• PreviredcoreTechnology or IntegrationIntegration with Previred (Chilean payroll and social security compliance platform) to manage payroll declarations, social security filings, and labor compliance as part of the BPO Digital remuneration management service.
• Chilean BankscoreTechnology or IntegrationSmart CFO integrates with all major Chilean banks for real-time bank data, automated bank reconciliation, cash flow visibility, and payment execution. This is foundational to the treasury and cash management services.
• Cobranza OnlineminorGTM or Marketing PartnerCobranza Online is a collections partner referenced in blog content about accounts receivable strategy. It offers a no-fixed-cost collections model (commission only) that complements Smart CFO's financial management services. Smart CFO recommends this partner to clients needing collections management, and Cobranza Online refers clients needing financial management to Smart CFO.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Pilot.com: US-based outsourced bookkeeping, accounting, and fractional CFO services for startups and SMBs. Closely aligned business model combining finance operations outsourcing with expert advisory, the same core offering Smart CFO delivers in Chile.
• Bookkeeper360: US-based bookkeeping, accounting, and fractional CFO services platform targeting SMBs and startups. Directly comparable tech-enabled BPO + fractional CFO hybrid model.
• Acuity CFO: Fractional CFO and financial advisory firm serving small and mid-sized businesses. Closely aligned fractional CFO service offering to growth-stage and SME clients.
• Numerica: Chile-based accounting, tax, and CFO advisory firm serving SMEs and entrepreneurs. Competes head-to-head in the same Chilean SME outsourced finance and tax advisory market.
• Auxadi: Specialist in outsourced accounting, tax, payroll, and corporate services across Latin America. Directly comparable in service scope (accounting + tax + CFO support) and in serving international subsidiaries of SMEs/mid-market firms in Spanish-speaking markets.

Broad incumbents

• Mazars Chile: Chilean member of Mazars global audit, accounting, tax, and advisory network. Comparable in tax and accounting advisory services, but as a broad incumbent across multiple practice areas.
• KPMG Chile: Big Four accounting and advisory firm in Chile offering audit, tax, and CFO/advisory services. Comparable advisory capability, but operates at enterprise scale rather than as a Fractional CFO specialist.
• BDO Chile: Chilean member of the BDO global accounting and advisory network. Overlaps with Smart CFO on accounting, tax, and CFO advisory, but as part of a full-service audit/tax/consulting portfolio.
• TMF Group: Global provider of outsourced accounting, tax, payroll, and corporate secretarial services across 80+ jurisdictions. Comparable in service scope (finance/accounting BPO) but as a large incumbent with a much wider portfolio.

Others

• Buk: Chilean HR, payroll, and people-management SaaS platform — a current integration partner of Smart CFO. Adjacent in the SME finance stack rather than a direct competitor, providing payroll data that Smart CFO consumes.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Smart CFO