While both support your business finances, an accountant typically handles bookkeeping, tax filing, and compliance. In contrast, a virtual CFO for small business provides high-level financial strategy, forecasting, budgeting, and long-term planning. Think of an accountant as someone who tracks your past performance, while a virtual CFO helps you plan for the future and drive growth. If you want to scale, improve cash flow, or attract investors, a virtual CFO offers the strategic insight your business needs—beyond just the numbers.