Virtual CFO
Virtual CFO Services UK
CFO-level clarity without a full-time hire — forecasts, margins and tax-aware planning for growing SMEs.
- Strategic sessions
- Cash forecasting
- Tax-aware planning
- Fixed engagement
Fractional Virtual CFO support for UK SMEs — forecasts, margins and tax-aware planning without a full-time hire.
Sound familiar?
When compliance isn’t enough
Growing faster than your visibility
Revenue up, clarity down. We build the finance rhythm of a bigger company.
Decisions without a model
Hiring, pricing, stock — we stress-test cash before you commit.
Accountant only appears at year-end
Virtual CFO is ongoing. Proactive, not archaeological.
Included
What a Virtual CFO engagement covers
Cash flow forecasting
13-week or monthly models you can actually use.
Margin & pricing reviews
Where profit leaks — and what to change.
Tax timing conversations
Coordinate with compliance so planning isn’t an afterthought.
KPI dashboard
A short set of numbers the leadership team watches.
Board / lender support
Cleaner packs when you need external confidence.
Scheduled strategy calls
Regular working sessions, not ad-hoc firefighting only.
Who it’s for
Right fit if you
- Turn over enough that mistakes are expensive
- Have (or want) management accounts
- Are hiring, raising or expanding
- Want a finance partner, not just a filing agent
Process
Engagement flow
- 1. Diagnostics call Goals, gaps, current reporting.
- 2. Proposal Scope, cadence and fixed fee.
- 3. Foundation Data, forecast and KPI setup.
- 4. Rhythm Recurring reviews and decision support.
Pricing
Virtual CFO pricing
Virtual CFO retainers typically start from £400/month depending on meeting cadence and forecast complexity. We quote a fixed monthly fee after a free diagnostics call.
Example
Case study snapshot
A contractor PSC turning over six figures had clean accounts but no forward view. We built a 13-week cash forecast and a simple pricing model — they delayed a vanity software spend and kept a three-month buffer.
Need a finance brain on your side?
Book a free Virtual CFO intro call.
FAQ
Common questions
Is Virtual CFO separate from bookkeeping?
Yes — but it works best with solid books. We can provide both.
How many hours do I get?
We scope by outcomes and meeting cadence, not vague hourly buckets. You’ll see this in the proposal.
Do you replace my accountant?
We can be your full stack, or work alongside compliance if you already have a filer. Honesty first.
How much does Virtual CFO cost?
Often from about £400/month. Exact fee depends on cadence and complexity — written before you start.
Do I need management accounts first?
Strongly preferred. If you don’t have them, we’ll set bookkeeping and packs up first.
Is this only for large companies?
No — it suits owner-managed SMEs where decisions are getting expensive to get wrong.
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