Virtual CFO Services
Many growing businesses need CFO-level thinking well before they need – or can justify – a full-time CFO. Our Virtual CFO service provides that financial leadership on a flexible, ongoing basis.
Overview
A Virtual CFO works alongside the promoters and the finance team as a part-time financial leader. The engagement typically covers planning and budgeting, monthly performance review, cash and working capital, controls and decision support – with a regular review rhythm agreed with management.
The scope is flexible and can grow with the business: from setting up basic MIS and cash flow forecasting in the early stages to board reporting, investor communication and financial strategy as the business matures.
Scope of services
Financial Planning and Analysis (FP&A)
Annual plans, rolling forecasts and variance analysis that link operating drivers to financial outcomes.
Budgeting and Forecasting
Department-level budgets, monthly forecasts and scenario planning for growth, capex and funding needs.
Cash Flow Management
13-week and monthly cash flow forecasts, collection and payment planning, and liquidity monitoring.
Working Capital Management
Receivable, payable and inventory cycle analysis; policies and actions to release cash tied up in operations.
Financial MIS and Dashboard Reporting
Monthly MIS packs and dashboards with the KPIs that matter to promoters, lenders and investors.
Profitability Analysis
Product, customer, segment and location-wise profitability, contribution analysis and cost drivers.
Business Performance Monitoring
Monthly performance reviews against plan, with commentary on variances and agreed actions.
Strategic Financial Advisory
Inputs on pricing, expansion, capital structure, make-or-buy and investment decisions.
Internal Financial Controls
Approval matrices, financial close discipline and controls proportionate to the size of the business.
Internal F&A Team Building
Designing the structure, roles and responsibilities of the in-house finance and accounts team, support in selecting finance personnel, onboarding, training and documented processes – so the business builds lasting internal capability.
Management Decision Support
Financial analysis of specific decisions – new projects, capex, hiring plans or contracts – before they are made.
Full-time CFO or Virtual CFO?
Full-time CFO
Full-time cost and commitment; suited to larger organisations with complex finance functions.
Virtual CFO
Senior financial leadership for a defined number of days or hours, with scope that scales as the business grows.
Business requirements we address
- Promoters spending too much time on finance operations
- No reliable monthly view of performance
- Cash flow surprises and working capital strain
- Preparing for lenders, investors or a board
- Scaling processes and controls with growth
- Need for senior finance input without full-time cost
- Building a capable in-house finance and accounts team