Financial expertise to turn the or into and
Profit, stability and scale don’t have to come at the expense of ethics, joy and purpose. Your business can make space for them all.
Your finances should support more than your bottom line
Most finance people treat feelings like a glitch to fix – but money is emotional (and that's kind of the point!)
The journey to achieving more 'out there' goals, happen when we blend a commercial, logical approach with the more intuitive, open minded and empathic.
You bring the vision, I bring the numbers know-how
And together, we make sure your finances are no longer something to fight against.
Finance systems that fit your brain
We get curious about your preferences - because your brain isn't the problem, systems that ignore how you function are. This means that everything is tailored: routines, setup, communication styles, all of it.
Resourced for the real work
Your mission needs rooted financial foundations behind it, not just good intentions. We craft plans and processes that actually fuel what you're here to do, to evolve and iterate while staying true to why you started.
Growth that sustains people and beyond
Where money allows you to breathe, and ripples out from there. Results that don't cost your health, your team's wellbeing, or the planet. Starting with your nervous system, but extending to everything it touches!
Work with a fractional CFO*
If you’re a mission-driven founder, business owner, a CEO or not-for profit or a leadership team, whether you need a senior finance brain in your corner, someone to help untangle a specific project or transition, or just space to think things through with someone who actually gets it.
Essentially, I'm here to get more money, power and resources into the hands of people who'll do something good with them. It doesn’t matter if you're 'pre-revenue' with a big idea, flourishing and evolving, or navigating a period of change or turbulence in a mature business - I'll meet you where you are and help you get where you're going.
*No jargon gatekeeping here: Fractional means part time. The kind of senior finance support big companies have in-house full time and pay 6 figures for, but scaled to what you actually need.
Conventional business finance needs a radical shake up…here’s how we can do it
There's no one-size-fits-all here. Some people need a proper finance partner for the long haul. Some need help with something specific. Some just want to learn.
Have a look and see what feels right - or we'll figure it out together
Meet Harriet (she/her)
If you’re looking for the official bio: Harriet Formby is a Fractional CFO, ICAEW Chartered Accountant, and Trauma of Money™ Practitioner and Founder of Below The Line Finance® and Get Number Savvy®. She has technical, commercial, and strategic experience advising startups, mature businesses and beyond, across a wide range of industries.
She blends commercial rigour with warmth, empathy, and intuition - staying close to the numbers while making space for the nuance. Usually found in a Somerset meadow surrounded by ex-racehorses, Dartmoor ponies, and too many chickens!
And if you’re looking for the more relaxed, heartfelt one: "I’m a finance person who left giant corporate moneymaking behind to return to my roots, working with visionary, mission-led entrepreneurs who want to make the world a better place. I work with those who aren’t pandering to panic, but instead are investing in hope; and who have their feet in the ground, but their head proudly in the sky".
Client testimonials
What people say about working with Harriet!
"Through tight cash flow and a complex investment round, I've come away from every mentoring session feeling clearer, more confident, and more capable in my role."
"Harriet is the best ally you'll ever have. Since we started working together, I always feel confident my business is on the right track. She's always calm and cool — so good at explaining things and bringing new perspectives."
"Thanks to Harriet, I officially became Co-Director! We split shares, agreed a memorandum of understanding, and now have a clear financial spreadsheet that shows exactly how much we need to bring in and by when. Harriet is genuinely invested in our success."
"I wish I had started working with Harriet sooner. I trust her completely and know that she is on top of absolutely everything with my business. The fact that she proactively brings up ideas, potential problems, and updates that I would have never even known about is such a breath of fresh air"
Working with Harriet has been one of the best decisions I've made for my CIC. She understands social enterprises and takes a more relational, systemic view of finance. Funders can see we're serious about our finances — and that's down to Harriet. Hands-down worth every penny.
She's fantastic — so kind, honest and non-judgemental. She understands my business and how I want to work and 100% supports me in that. I've seen an uplift in revenue and I feel so much more confident with my finances."
"As a business owner who does not have a financial background, Harriet takes the time to provide useful and structured guidance to allow us to make effective decisions. She provides pragmatic and helpful advice in a clear and straightforward format".
Harriet is the perfect middle of the Venn diagram of expert and ally - she's super knowledgeable but also really approachable, which I was so grateful for as someone who had lots of vulnerability around money"
"Harriet helped me transition from a freelancer's mindset to that of a business owner — but the most significant shift was related to my beliefs about money. Her compassion, empathy, and gentle nudges to challenge me when necessary are unparalleled"
Schedule a complimentary call with Harriet today
The first step is to have a chat about your business or organisation, explore where things are up to with finances. The challenges, opportunities and things on your mind. And start seeing the 'money side' in a different light.
"I'd love to hear what you're working on. Book a call and let's get into it" Harriet x