I'm Rael Lowenthal, a Chartered Accountant (SA) who runs the finance function for ambitious individuals and SMMEs. I pair 10 years of CFO-grade expertise with AI to deliver real-time reporting, sharper forecasting, and automation. Based in South Africa, working globally.
You don't need a full-time CFO, you need the output of one. I give growing businesses senior financial leadership on a fractional basis, amplified by AI: clear reporting, forecasting, and control, without the cost of a full finance team.
I bring the same rigour to your personal finances. Practical help with budgeting, a clear-eyed view on investing, and recommendations to structure your tax efficiently, so more of what you earn stays yours.
Start with the core, add what you need. Each engagement is shaped around your business, and quietly powered by AI to do more, efficiently and accurately.
Board-grade reporting, cash-flow forecasting, budgeting, and financial strategy. I run your finance function as if it were my own.
I bring AI into your finance stack: automated document processing, live dashboards, and workflows that cut hours of manual work and eliminate human error.
Strategic tax, compliance, and structuring, locally and across borders, so your business stays efficient and protected as it grows into new markets.
I don't bolt AI on for show. I use it on the things that genuinely make your numbers faster, clearer, and more useful.
Management accounts and KPI dashboards that update continuously, so you're never steering on last quarter's numbers.
AI-assisted forecasts and scenario models that surface your runway, your risks, and the "what-ifs" before they happen.
Invoices, bank statements, and contracts read and structured automatically, turning paperwork into data you can act on.
We start with a deep review of your finances, systems, and goals, to pinpoint where the leverage and the risks really are.
I set up the reporting, forecasting, and AI-powered workflows your business actually needs: clean, automated, and clear.
I stay on as your outsourced CFO, steering the numbers month after month and being in your corner as you scale.
A few engagements across very different businesses. It's the kind of finance-function work I take on every week.
Modelled a merger and its investment structure, then produced investor-grade performance reporting and commentary for a half-year review.
Built management accounts from raw ledgers, untangled debtors and inter-company shareholder debt, and analysed a cross-border acquisition.
Rebuilt monthly management reporting and ran trial-balance-to-financials variance analysis against budget and prior year. Redesigned the ERP system to ensure accurate costing in a manufacturing environment.
I'm Rael Lowenthal, CA(SA). For a decade I've built experience in the finance function, working in Investment Banking, Tech Start-Ups and Commodity Trading.
Today, I bring this experience, combine it with AI, and provide an end-to-end outsourced CFO solution for any individual or SMME.
Tell me a little about your business or your situation, and I'll come back to you personally, usually within one business day.
Prefer email? Reach me directly, or use the form and I'll be in touch.