Muhammad Muzammil QureshiMuhammad Muzammil Qureshi Muhammad Muzammil QureshiAI/ML Architect · CTO & COO
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Fractional CTO · United States

Fractional CTO USA: A CTO Who Builds and Ships

A fractional CTO for US companies who does more than advise: architecture, development, deployment and the operations behind them, on US hours, from $1,500 a month.

Discuss this engagement Read the approach
CTO advisory
$1,500/mo · 20 h
Fractional CTO
$2,800/mo · 40 h
CTO + build
$4,800/mo · 80 h
Full-time equivalent
$8,000/mo · 160 h

The core decision

What a fractional CTO USA engagement covers

Most fractional CTO USA offers sell a few hours of advice a week. This one sells the whole job: deciding the architecture, writing and reviewing the code, deploying it and keeping it running. I have spent 17 years in software and eight at Omnitech, where I started as lead developer on a restaurant platform and have been CTO since December 2023. The multi-tenant CRM, POS and event platforms on this site were designed and shipped under that role, and the SaaS architecture articles here are written from them.

In depth

A CTO who also writes and deploys the code

Advice is cheap when someone else has to build it. In each plan I own the decision and the delivery: the schema, the tenant boundary, the CI pipeline, the AWS account and the release. You get the code and the infrastructure in your own repositories and accounts from day one.

How the platform decisions are ordered →

Proven on Omnitech CRM

Multi-tenant CRM and revenue platform with fail-closed tenant isolation, scoped permissions, configurable pipelines, lead conversion, and legacy-data...

Read the case study →

In depth

Plans priced by the hour you actually use

A full-time US CTO costs $175,000 to $225,000 a year before equity, and US fractional CTOs bill $170 to $250 an hour. My plans run from $1,500 a month for 20 hours of advisory to $8,000 for a full-time equivalent, and the build plans include the development itself rather than quoting it separately.

Proven on IMFlow360

Multi-tenant SaaS POS platform pairing a Laravel cloud with an offline-first Flutter point-of-sale and a paired customer-facing display, serving retai...

Read the case study →

In depth

Proof from eight years with one client

Jonathan has worked with me for more than eight years, across POS systems, websites, custom restaurant software and mobile apps. His video testimonial is on the home page. Long engagements like that are the model: one technical owner who learns the business and stays.

Proven on DinDin

Complete restaurant technology suite connecting online ordering, POS, back-office operations, kitchen displays, customer displays, and marketplace ord...

Read the case study →

In depth

Where I work

Remotely, on US time zones: a fractional CTO US companies can reach in their own working day, anywhere in the country. There are pages for California, Texas, Washington, New York City and New Jersey with what tends to matter in each, but the work and the plans are the same everywhere.

Multi-tenant access control, from a live CRM →

Fit

Who this helps

  • Founders with an idea, a prototype or an agency build who need one person accountable for the technology.
  • Small and mid-size US businesses whose software has grown past the person who wrote it.
  • SaaS teams adding tenants, roles or integrations faster than the platform was designed for.
  • Companies that need a CTO for investors or customers and someone who can still ship the code.

Scope

What I take on

  • Architecture and stack decisions, written down with their reasons
  • Hands-on development: Laravel, Node.js, Next.js, Python, Flutter and React Native
  • Deployment and cloud operations on AWS, from CI/CD to monitoring and backups
  • Multi-tenant SaaS design: tenant isolation, roles and permissions, per-tenant settings
  • Integrations, data migration and legacy systems, including ones with no API
  • AI features on your own infrastructure when they pay for themselves

Deliverables

What you get

  1. A technology roadmap tied to what the business needs this quarter
  2. Code, infrastructure and releases you own, in your repositories and accounts
  3. A written decision record your next engineer can read
  4. A weekly working session on US hours, plus async updates

Evidence

Related work

All case studies
Platforms & SaaS Chief Technology Officer Omnitech CRM Multi-tenant CRM and revenue platform with fail-closed tenant isolation, scoped permissions, configurable pipelines, lead conversion, and legacy-data migration. Laravel 13Livewire 4Filament 5 Read the case study Platforms & SaaS Chief Technology Officer IMFlow360 Multi-tenant SaaS POS platform pairing a Laravel cloud with an offline-first Flutter point-of-sale and a paired customer-facing display, serving retail, restaurant, salon/spa, and appointment businesses from one connected system. Laravel 11Livewire 3Flutter Read the case study Platforms & SaaS Chief Technology Officer DinDin Complete restaurant technology suite connecting online ordering, POS, back-office operations, kitchen displays, customer displays, and marketplace orders. Laravel 11Livewire 3React 19 Read the case study

Further reading

Related technical writing

  1. Integrating a System With No Public API
  2. Multi-Tenant Isolation: Two Working Answers
  3. Legacy-Data Reconciliation Is Not an Import Script
  4. A Safe Upwork Automation Playbook: From Job Alerts to Better Proposals
  5. SaaS Platform Architecture: The Decisions That Come First
  6. Virtual CTO: What One Does, What It Costs, What It Ships
  7. Multi-Tenant Access Control: Three Layers That Must Stay Separate
  8. Fractional CTO Rates: Hourly, Monthly and What You Get
  9. Building an Upwork Job Alert Workflow With n8n
  10. Laravel Multi-Tenancy: Four Pieces, No Package
  11. Hire Fractional CTO Help: Ten Questions to Ask First
  12. How to Decide Whether an Upwork Job Is Worth the Connects
  13. Node.js Multi-Tenant SaaS: AsyncLocalStorage and Row-Level Security
  14. Interim CTO vs Part Time CTO: Which One You Need
  15. How to Write Upwork Proposals From Verified Portfolio Evidence
  16. Django Multi-Tenant SaaS and FastAPI: Two Tenancy Models
  17. Single Tenant vs Multi Tenancy: What Each Costs to Run
  18. Multi-Tenant Next.js: Rewrite URLs by Host With Proxy
  19. Multi-Tenant CMS: Two Websites on One Platform

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Questions and answers

Fractional CTO USA: common questions

More questions? Feel free to reach out.

Explore all services →
What is included in a fractional CTO USA plan?

Architecture decisions, hands-on development, code review, deployment and cloud operations, and the written record of why each decision was made. The CTO plus build and full-time plans include development hours; the advisory plan does not.

What does it cost?

Four monthly plans: CTO advisory at $1,500 for 20 hours, Fractional CTO at $2,800 for 40 hours, CTO plus build at $4,800 for 80 hours, and a full-time equivalent at $8,000 for 160 hours. Ad hoc work is $75 an hour. A US fractional CTO usually charges $170 to $250 an hour, and that rarely includes writing the code.

Do you work on US hours?

Yes. I work full time on US time zones, remotely, with a weekly working session and the same-day answers a product team needs. I do not have a local office and do not claim one.

Which states do you work with?

All of them, remotely and on US hours. The plans and the work are the same in every state; the location pages only cover what tends to matter locally.

Can we start with a fixed-scope project?

Yes. The CTO Strategy Sprint is $4,500 for two weeks and ends with a 12-month roadmap and build, buy or defer decisions. Its fee is credited against a monthly plan booked within 45 days.

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