Virtual CFO & Strategic Financial Planning London
We turn your financial data into a roadmap. FP&A (Financial Planning & Analysis) gives you the visibility to hire, invest, and scale with absolute confidence.
The 3 Horizons of FP&A
Select a horizon to see our focus.
"Without a forecast, you are driving blind. You won't see the cash cliff until you fall off it."
The High Cost of Hindsight
Traditional accounting tells you what happened 3 months ago. That is too late to fix a problem. Strategic finance is about predicting the future so you can change it.
The Rearview Mirror
Driving a business using only statutory accounts is like driving looking only at the rearview mirror.
Burn Rate Blindness
Profit does not equal cash. Growing businesses often run out of cash while being profitable on paper.
Valuation Gaps
Investors value businesses based on future cashflows and defensible metrics, not just current turnover.
Your Monthly Rhythm
Data Integrity Audit
We cannot forecast on shaky foundations. We audit your bookkeeping setup to ensure data is categorised correctly for management reporting (e.g., separating Direct Costs from Overheads).
Driver-Based Modelling
We build a financial model based on your business drivers (e.g., "Number of leads" x "Conversion Rate"), not just static numbers. This allows you to simulate scenarios.
Budget Definition
We set the "Plan" for the year. This gives every department a spending limit and a revenue target, creating accountability across the team.
Monthly Board Pack
Every month, we produce a management report comparing "Actual vs Budget". We explain the variances: Why did we miss the target? Where did we overspend?
Strategic Review
We meet via video call to discuss the numbers. We act as your sounding board, translating the financial data into strategic actions for the next quarter.
What You Receive
3-Way Forecast Model
Integrated P&L, Balance Sheet & Cashflow.
Monthly Board Pack
Executive summary & KPI tracking.
Budget vs Actuals
Variance analysis report.
CFO Commentary
Human insight, not just data tables.
Unit Economics
Tracking CAC, LTV, Churn, etc.
Scenario Planner
What-if analysis tool (Best/Worst case).
The Perceptive Difference
Service Levels
From quarterly insights to a full Virtual CFO partnership.
Quarterly Insight
Best for: Stable SMEs
Oversight
For businesses that need a regular health check but don't have rapid changes. We prepare management accounts quarterly to ensure you stay on track for year-end.
Virtual CFO
Best for: Scaling / Tech
Partnership
A complete finance function. Monthly board packs, KPI tracking, and a dedicated Virtual CFO to sit in your management meetings. Essential for high-growth or funded companies.
Pricing Clarity
Advisory is an investment, not a cost. The ROI comes from better decisions, tax efficiency, and growth.
Monthly Retainers
Monthly Retainers
Packages
Reporting Only
Monthly Retainer
Management accounts & dashboard access.
- Xero Data Health Check
- Monthly P&L / Balance Sheet
- Fathom/Futrli Dashboard
Advisory Core
Monthly Retainer
Reporting + Quarterly Strategy Calls.
- Quarterly Board Pack
- Budget Creation
- Video Review Meetings
Virtual CFO
Monthly Retainer
Full strategic partnership & forecasting.
- Monthly Strategy Meetings
- Rolling Cashflow Forecast
- Investor Relations Support
Common Questions
It is a connected model of your Profit & Loss, Balance Sheet, and Cashflow. It ensures that if you change your sales forecast, your cash balance updates automatically, accounting for VAT and payment terms.
If you are growing fast, yes. A lot changes in 30 days. We review the previous month's performance and adjust the forecast for the next quarter.
We use Fathom, Futrli, or custom Excel/Google Sheets models depending on complexity. All are fed directly by Xero/QuickBooks data.
Yes. Investors expect to see a robust financial model (the 'Data Room'). We build the model and help you present the numbers confidently.
Ready to scale with confidence?
Stop looking in the rearview mirror. Book a discovery call to see how our FP&A services can give you the foresight to grow safely.
- Understand your unit economics
- Prepare for funding or exit
