Virtual CFO Services
Strategic financial leadership on demand, without the cost of a full-time executive.
Often used by service businesses, startup founders and manufacturers and traders.
The problem, in plain English
A growing business reaches a point where the owner is making big financial decisions alone: whether to hire, how much stock to carry, when to take a loan. A bookkeeper cannot help with these, and a full-time CFO is expensive.
A virtual CFO fills that gap. You get senior finance support for the hours you need, with a clear monthly rhythm: a plan, a review against it, and decisions.
Our founding partner runs manufacturing, food and farming businesses, so our advice on cash, borrowing and margins comes from having made those decisions ourselves, not only from the rulebook.
Who this is for
- Businesses that have outgrown their bookkeeper but cannot justify a full-time CFO
- Startups preparing to raise money or report to investors
- Manufacturers planning a loan, expansion or new plant
- Owners who want a monthly finance review with someone senior
What we do
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Understand where you stand
We review your accounts, cash position, borrowing and compliance, and agree the three or four numbers that matter most to your business.
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Build the plan
We prepare a budget and a cash flow forecast for the next twelve months, so you can see shortfalls before they happen.
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Review every month
Each month we compare actual results with the plan, explain the differences, and agree actions with you in a short meeting.
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Handle banks and investors
We prepare loan proposals, projections and investor reports, and join the meetings with you.
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Keep compliance on track
Because we are also your chartered accountants, tax and compliance stay linked to the financial plan, not handled separately.
Documents you will need
- Last two years' financial statements
- Current year's books of account
- Loan agreements and bank sanction letters
- Your business plan or targets, even if rough
- Details of major customers, suppliers and contracts
Typical timeline
The first plan is usually ready within three to four weeks, then a monthly review cycle.
Fees depend on the work involved. We give you a clear quote before we start.
Questions we are often asked
What does a virtual CFO actually do?
A virtual CFO does the senior finance work a full-time CFO would do, such as budgets, cash flow planning, management reporting, bank and investor relations, but part-time and for a fixed monthly fee.
How is this different from accounting?
Accounting records what has happened. A virtual CFO uses those numbers to plan what happens next: how much cash you will need, which products to push, and when to borrow.
How often will we meet?
Usually once a month for a review, with calls in between when a decision needs input. Larger engagements can include weekly check-ins.
Can a small business afford a virtual CFO?
Yes. You pay for the hours you need rather than a full salary. We agree a scope and a fixed monthly fee before starting.
Can you help us raise a loan or investment?
Yes. We prepare projections, CMA data for banks (the financial projections banks ask for with a loan application), and investor reports, and support you in the meetings.
Talk to a partner about Virtual CFO Services
Tell us where you are today. We will explain what is involved, what it will cost and how long it will take.
15+ years in practice · Three partners · Read our Google reviews
We trust TEXCA & Associates for all our accounting needs. Their attention to detail and timely execution sets them apart.
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Book a consultation
Tell us a little about your business. We will reply on WhatsApp within office hours and confirm a time.