Pricing and Structure

Our pricing is bespoke to each business so please get in touch

Silver Package

Get a taste for what a CFO has to offer starting from
£ 750*
  • 1 Hour per week contact time
  • 4 Hour review of business plan
  • Accounting systems review*

Gold Package

Bespoke level CFO analysis starting from
£ 950*
  • 12 month budget preparation
  • 1 Hour per week contact time
  • 4 Hour review of business plan
  • Accounting systems review*

Diamond Package

The 'Rolls-Royce' service package starting from
£ 1,500*
  • 3 year financial forecast*
  • Develop a monthly board reporting pack
  • 12 month budget preparation
  • 1 Hour per week contact time
  • 4 Hour review of business plan
  • Accounting systems review*

This may sound like a lot to a start-up, however once you start working with us, you might realise, you can’t afford not to have a CFO.

Regulated ICAEW

Regulated by professional bodies.

Overall Reviews

Excellent peer reviews for peace of mind.

Open Minded

Always applying new technical developments & Opportunities

Blue Sky Thinking

Forward thinking not contained by conventional wisdom

The CFO & the start-up

Do you have a written start-up business plan or are you operating on a basis of “hit and hope”?  The plan provides the basis for checking that the project is worthwhile and has a good chance of success. It provides way points to check the businesses progress and the basis for course correction if necessary. Without a written business plan a business usually loses 3-5 years of growth and development in the first few years. Can you afford to lose this amount of time and capital in your business. Will you even survive? 

Many start-ups claim they are too early for even a part time CFO. I dispute this assumption. I believe that we are vital to the new business survival in the early stage of its life. So, what role should the CFO play in the start-up phase?  

Prepare The Business Plan

All startups have an idea for a new product or service. The CEO is passionate about this product or service and is keen to change the world. However, the business needs to have a written plan? The CFO is critical to the development of the business plan. 

The plan contains the following sections and review process. 

1. Prepare your business plan in writing

  1. What is your proposed product or service? 
  2. Who else supplies similar products/services to the market?  
  3. How big is the market?  How much of the market do you need to capture to achieve
  4. success? Why will the market adopt or switch to your new product or service?  
  5. A sales and marketing plan will assist the confidence in the sales take up. 
  6. How many months or years will the launch process take? 
  7. Can you set out each step of the launch process with time estimates from start to finish? 
  8. What is the cumulative cost incurred between startup and receiving sales revenue? 
  9. Have you assessed all costs needed to complete the plan? 
  10. Is there a sufficient cost buffer to cover unforeseen costs? 

These sections will ensure that the CEO consider each issue that they face getting their new product or service to market. It is important to cover everything. There will be gaps and unknowns. It is important to work on these areas to provide answers otherwise these can cause the business to fail. Failure is costly personally, reputationally and financially. This should be avoided as much as possible and the plan will help reduce the risk of failure. 

2. Test the plan

  1. What are your assumptions in the plan? 
  2. Are these assumptions: 
    •  rational,  
    • over optimistic,  
    • or realistic? 
  3. Kick the tires for each assumption in the plan 
  4. What could frustrate or scupper each step of the plan? 
  5. What are the additional monthly costs for slippage in the launch plan? 

This testing process is important to ensure that the optimism and confidence of the CEO is not misplaced. It will provide reassurance that the questions asked by investors, customers and new staff can be answered confidently, in detail and demonstrate that the new business has a high likelihood of success despite the uncertainties it will face. 

3. Prepare a 3-year financial forecast

  1. Build a 3-year financial forecast model based on the information above. 
  2. How long in months and years until you make profit? 
  3. How much startup capital is required and who is providing this capital? 
    •  friends and family or  
    • 3rd party?  
    • Friends and family may require less detail to persuade them to invest. 
    • 3rd party investors will require more detail and will want to check and verify each assumption in the plan. 
  4. Do you have enough capital? 
  5. If not, how, and where will you get enough additional capital? 

The 3-year forecast provides a financial test for the plan. It ensures that all costs have been included or suitable estimates included for unknown or unforeseen costs which will occur. The 3-year time horizon will cover the pre revenue period and demonstrate the cash requirements during this process. It will reveal the assumptions both during the pre-revenue phase and the assumptions made to the revenue generation and their direct and indirect costs. These will show the time post-revenue the business takes to generate enough monthly sales to cover its monthly costs and the time that the post-revenue costs are recovered from profitable sales. From this information analysis can be undertaken as to the costs of delays both from the pre revenue cost phase and the post revenue income generation phase. These assumptions are often over optimistic, and consideration needs to be given to dealing with the financial consequences should the plans milestones not be met and additional costs be incurred. 

4. Use the financial forecast as the 1st 12-month budget for analysing actual performance

  1. The plan forms the basis of the 12-month budget. Actual performance of the new business is compared to the budget. Decisions can then be made to flex the plan based on the review of actual performance against the plan. The CFO is critical to the review process. 

The monthly reporting of the performance of the business through management accounts compared to budget is vital. The implications of the under/over performance need to be considered and the new information included in a recasting of the forecast for the next 12 months on a rolling basis every month. This identified changes to the future cash requirements as early as possible means that remedial action can be taken. 


There are inherent risks to starting a new business. A CFO is critical to the creation, validation, and monitoring of each step of the plan. So, write a plan and find a CFO today.