CFO-level thinking, sized to your business.
Forecasts, budgets, KPIs and a monthly review with a senior finance lead, without a full-time CFO salary.
Who it’s for
- Founders and owners making hiring, pricing and spending decisions without a cash forecast.
- Companies preparing for a raise, a loan or a board that need numbers an outsider can rely on.
- Businesses with a bookkeeper but no one turning the numbers into decisions.
What’s included
We describe what we deliver and how often. What you do with it is your decision.
13-week cash forecast
Updated weekly or monthly, so you can see a cash gap before it arrives.
Budget and reforecast
An annual budget built with you, then reforecast as the year moves.
KPI dashboard
The handful of numbers that matter for your business, tracked the same way every month.
Board or investor pack
Financials, KPIs and commentary in a format your board or investors expect.
Pricing and margin analysis
Margin by product, customer or job, so you know where profit really comes from.
Due diligence support
Buy-side and sell-side due diligence, with the data packs and answers that go with it.
How the month runs
- Within 5–10 business days
Books closed
Final numbers from our bookkeeping, or from yours on an agreed date.
- By business day 10
Pack and KPIs updated
Reports, forecast and dashboard refreshed and reviewed.
- The following week
Monthly review call
We walk through results, cash and risks, and agree actions.
- Through the month
Actions followed up
Decisions tracked and reported back at the next review.
Who leads it
Your CFO lead runs the monthly review. Every model and pack is checked by a second accountant before you see it.
CA Utkarsh Mehra
Virtual CFO lead
Chartered Accountant · 3 years in finance
Our work includes financial statement analysis, cash-flow forecasting, performance analysis and financial data review, along with due diligence assignments across sectors including MedTech, solar and engineering. We have also worked extensively on statutory and tax audits, income-tax assessments and litigation, ROC/MCA compliance, corporate restructuring, share transactions, and documentation for partnerships and family trusts.
Pricing approach
A fixed monthly retainer, set by scope and how often we meet, and agreed in writing before work starts.
One-off projects, such as a fundraising model or a budget build, are priced separately and agreed in writing. See engagement models and pricing.
Virtual CFO questions
Is this the same as hiring a CFO?
No. It is a part-time senior finance lead with a team behind them, sized to what your business needs each month. You get the planning and the review without a full-time salary.
Do we have to use your bookkeeping too?
No, though it helps. If someone else keeps your books, we agree a close date with them so the monthly review always uses final numbers.
Do you support due diligence?
Yes: Buy-side and sell-side due diligence support, alongside the forecasts and data your buyers, investors or lenders will ask for. We don’t act as a broker and we don’t give investment advice.
How often do we meet?
Monthly as standard: a review call after your pack is delivered. Some clients add a short fortnightly cash check-in during busy periods.
Who owns the models?
You do. Forecasts and budgets are built in files you own, and they stay with you if the engagement ends.