CFO-level clarity, without the full-time overhead.

Lemonade Fractional Solutions gives growing ministries and faith-based nonprofits the monthly close, reporting, and audit-readiness of an in-house finance team.

Book a free discovery call See how we help

Non-attest, by designCFO-level work in-house; attest, tax, and legal work referred to a licensed professional as needed

Small-business readyCFO-level oversight and reporting, sized for small and mid-sized businesses

Nonprofit-credentialedAICPA Not-for-Profit Certificate I — nonprofit management essentials

Ministry-fluentTithes, offerings, and designated funds — tracked the way churches and ministries actually operate

About

Experience & Expertise

The team behind Lemonade Fractional Solutions.

Cheston Stearns

Founder & Fractional Controller

Lemonade Fractional Solutions is led by Cheston Stearns, an accounting professional with a deep faith and ministry background. He has served as Controller for Christian ministries and faith-based nonprofit organizations, as well as a large, multi-entity for-profit company, and holds an AICPA certificate in Not-for-Profit Management and Essentials along with a four-year certificate in Theological Studies. Beyond his accounting career, Cheston brings over 25 years of hands-on Christian ministry service — as a missionary, teacher, and church leader — giving him firsthand insight into how ministries operate and the stewardship they're accountable for. He is also a devoted husband and father of five.

Nonprofit & Ministry Finance Multi-Entity Consolidations Budgeting & Forecasting Audit Oversight Accounting Systems & Workflow Design

Sound familiar?

The problems that land on our desk first

Real patterns from nonprofits, ministries, and growing businesses — not guesses.

The problem

Your bank balance looks fine. Your finances aren’t.

More than half of business owners make decisions each month on incomplete financial information — and low financial visibility costs the average owner over $100,000 in lost profit.

How Lemonade helpsMonthly close and reporting that actually tells you where you stand — not just what you spent.

The problem

Restricted gifts land in the wrong bucket.

Donor-restricted funds get mixed with general operating funds more often than not — putting compliance, audits, and donor trust at risk.

How Lemonade helpsFund accounting and grant tracking that keeps restricted dollars restricted.

The problem

The board hears about it after it’s already a problem.

Fewer than half of small nonprofits and churches send their finance committee a written report every month — so issues surface late.

How Lemonade helpsBoard-ready financial reports, delivered on a predictable monthly cadence.

Solutions

Retainer work, sized to your hours, plus project work scoped separately — quoted after your free discovery call.

Close & reporting

Monthly close, reconciliations, board-ready financial statements and KPI dashboards — plus books cleanup and catch-up if you're starting behind.

Budgeting & forecasting

Annual budgets, cash flow projections, and budget-to-actual variance tracking.

Fund & grant accounting

Restricted vs. unrestricted tracking, grant compliance, donor reporting, and year-end contribution statements — built for ministries & nonprofits.

Audit, controls & compliance

Client-side audit management and prep, internal controls, payroll/1099 and sales & property tax oversight, plus support for IRS or grantor inquiries.

Systems & special projects

Software implementation, chart-of-accounts and process redesign, automation, and due diligence support for grants, loans, or combinations.

Referred out: Attest services & certified financials, Single Audit engagements, income tax preparation, legal counsel, investment advice, and business valuations — routed to a trusted, licensed professional, never left unresolved.

Start here

Free discovery call

A 30–45 minute conversation to understand your organization, your books, and where things stand right now — completely free, no obligation.

Engagements range from a few advisory hours a month to a full CFO-level partnership — sized to your organization after this call.

Discovery callFree. We talk through your organization's needs, pain points, and current processes.
Systems reviewBilled. A deeper look at your chart of accounts, fund tracking, reporting cadence, and where automation could save your team time.
Written estimateA specific Solutions Proposal: project scope, retainer tier, or both. No ongoing work begins until it's signed.

No spam, no obligation — pick whatever time works for you.