Below The Line Finance

 Does the thought of tackling your business numbers make you want to run back to your dreamworld !


The thing is, you can access basic accounting services for regulatory and day to day finance needs.


But where do you go for relevant and relatable 



The  kind of support with your business numbers that helps you:

⭐ Bring your ideas to life profitability

⭐ Create a sustainable business fit for the future

  ⭐ Live the dream and make a real difference as a founder!



Good news…

 Our Mini CFO Finance & Accountancy solutions have changed the game. 


To bring you all this and more, in a flexible and friendly way, fit for a new era!

This is the kind of support that a much bigger business would typically receive from an in-house CFO or consulting firm – but with a more relatable, relevant and fit-for-purpose feel.



Imagine feeling more confident, fulfilled & empowered by your business numbers


 So you could budget for & build your dreams profitably with healthy cashflows…



 By working with a Specialist Strategic Finance & Accountancy practice that gets it (us!)

Our Mission

 To empower wonderful founders and business owners with financial confidence and peace of mind.
 So you can bring your ideas to life, create a sustainable business, and make a real difference as a founder.
With profits, purpose, healthy cashflows and good vibes.

Here’s how… 

Strategic Finance Subscriptions

The CFO subscription solution for a savvy profitable business life!

Ongoing friendly and relatable financial insights, support and advice to take your start up or small business business to new heights.

Consultancy, Projects & Outsourced FD

Outsourced Strategic Finance and project support for business owners, founders and finance professionals.

Access to CFO level advice when you're growing, changing or managing the demands of 'business as usual'.

Accountancy Services

All your accountancy, reporting and compliance needs 'done for you'.

From the basics of VAT, Payroll/Pensions, Statutory Accounts & Tax Returns. Through to management reporting, budget cycles and more.

Finance Training & Mentoring

Master the fundamentals of finance and beyond through our Get Number Savvy™ Finance learning platform.

Empowering you with the finance knowledge and skills to thrive as a business owner.


Whatever stage you are at on your business journey

We can help you feel good about your business numbers. 

So you can… :


Save Time

As you stop wasting hours freaking out about finances alone

Feel More Peace & Clarity

By easing & simplifying the hard 'financial management things'

Spark More Joy

With a savvy, profitable plan in place you can embody more of what you love! 


✨ Because businesses big and small, need a solid finance function to succeed!! ✨



We know, it can feel scary talking to accountants & financial experts, 

so fortunately for you we are, first and foremost,

relatable humans!  

And we believe…  

No one should feel fear or shame when it comes to managing business finances.

⭐ You deserve to have the financial support and peace of mind to build your unique dreams sustainably.

⭐ With a solid financial foundations and a savvy CFO by your side, you are best equipped to live a fulfilling entrepreneurial life of impact, abundance, adaptability and security! 

Ready to thrive? 


Get in touch now and see how we can support your purpose driven mission to get more financially savvy.

So you can create your dreams abundantly and sustainably.


 Meet Harriet 

Harriet Formby MA ACA
Founder of Below The Line Finance |Small Biz CFO | Chartered Accountant | Mentor





I understand that business finances can feel daunting!

Whether you’re trying to simply ensure you’ve got the fundamentals covered, are aiming to build a more profitable business model or overcome cashflow obstacles. It’s a lot to get your head around along with your other business ‘hats’.

But fear not, because I am here to support you every step of the way – with my practical and down to Earth strategic financial expertise. 

 With my support, you can overcoming problems, generate the returns, and embrace change as you navigate the complexities of running and growing your unique business.

 I believe in open and straightforward conversations, free from jargon or confusing language. My aim is to empower you with the knowledge and confidence you need to make informed financial decisions that take your business towards your dreams, as you bring your ideas to life!

With my support, the financial challenges becomes less stressful and more achievable, and the ‘numbers stuff’ goes from feeling like a necessary hinderance to being a powerful tool for growth and prosperity.



"We had been struggling to source these sorts of services internally or with our existing accountant. If you are a small business looking for extra support, Harriet is productive, collaborative, and has really useful ideas" 💡
"Whenever I talk to Harriet about things that are troubling me with our business finances I feel so much better! She always has a reassuring and practical plan of action and really cares about our success."💗
Creative Business Owner
"I sleep better at night knowing we now have our cashflow under control and a profitable budget in place thanks to Harriet. I wish I'd started working with her sooner!" 🤗
Company Director


✨ What will you accomplish with peace of mind, confidence and clarity around your business numbers? ✨



Imagine being able to

Wouldn’t it feel wonderful to witness your wildest dreams and ideas translated into a financially viable route forward?

Working with a finance expert who can bring the commercial edge to your creativity and imagination, as your valuable financial ally , gives you the edge.

And talking of budgets, we don’t believe in dull spreadsheets that quickly become outdated. Instead we bring a bit of magic to the planning and budgeting process that is always relevant and tailored to your unique offering and vision.

Our budget discussions and modelling are essentially the creation and iteration of a strategic financial road map that connects to your overall goals, vision and values. We’ll delve into the the development of your offerings, working through pricing, costings and all the intricate details, stress-tested every aspect along the way.

 Life moves at a rapid pace and we understand the need for flexibility. That’s why we build dynamic reports and tools that are easily updatable, ensuring we can seamlessly incorporate your new ideas and adapt to changes. With everything presented in a user friendly format designed to fit your specific needs. 

 The balancing act of cashflow can be a real strain in business owner life. Hello sleepless nights!

It’s especially challenging when your income arrives sporadically and doesn’t align with your costs. So you inevitably end up playing a flawed guessing game to work out how to trade through and make the money last! 

But fret not, because we’re here help you manage this headache.  Our expertise in savvy cashflow forecasting and monitoring, means we can help you identify potential shortfalls in advance. And we have the commercially savvy experience to help you determine the best strategies to address the cash conundrum.

Our goal in this area is to support you in developing healthy sustainable cashflows  that enable you to grow and flourish. So that you can invest in that transformation business training or retreat, or splurge on the shiny new bit of tech. Or to create the cash balance so you  can afford to take the summer off without freaking out about checking your bank balance!

There are multiple points in your business journeys where it feels like you’re doing ‘all the things’, rushing about with an endless to do list, of admin and obligations. It can feel like you’re stretched so much you’re not able to play to your strengths, do the meaningful work and it can really sucks the fun out of running a business.

That’s why we guide you through everything from the business modelling, finance function design, pricing, and organisational structure so you can strive to operate more intentionally, focus on where you can add most value and feel most joy. 

Imagine enjoying the peace of mind that your vision is coming to life profitably and your are avoiding burnout because you can now afford to outsource all those draining tasks you hate doing, and work the hours you desire on more creative and meaningful activities.


We’re not here to help grow businesses run by generic entrepreneur ‘bros’. We’re here for authentic and diverse business leaders.

And our focus is on you—the person behind the business. We care about your life, your passions, and your responsibilities, because it all comes back to how your business can support and nourish your personal goals, dreams, and desired lifestyle. Because that’s probably why you started a business in the first place, to create a better lifestyle and future for yourself and loved ones.


Not sure exactly what you need?


Harriet offers a no pressure chat, to get to know each other, delve into your business, discuss any current challenges you’re facing, and explore your goals and aspirations.

These calls are ideal whether you already have a clear idea of your needs or want to scope it out together and get a taster of our style.

I’m excited to connect with you and learn more about your journey! 💖


Automation & Outsourcing: Eliminating The Repetitive Drudgery


Book an Advice Consultation and Achieve Financial Peace of Mind in 60 Minutes!

If you’re looking for a one-off bit of financial advice to solve your queries and help you feel better about your business numbers, our Power Hour consultations are here to assist you.

During this focused and dynamic 60-minute session, we’ll address your specific questions and concerns, empowering you to move from confusion to financial peace of mind, going away with a clear plan of action.

 Scheduling your Power Hour Finance consultation today!


Finance Masterclass Series

I know you can feel freaked out by finances as a creative founder. But it doesn’t have to be that way!

Introducing a free practical & down to Earth training series of monthly masterclasses, tips and support so you can live your best life with profits and purpose.

Harriet will support you to Get Number Savvy through this free finance masterclass series. Sign up for the upcoming Monthly Masterclass or access the Replays & Resources here.

Creative Business Owners' Group

Join a community of like minded creative entrepreneurs to access finance,  Q&A, tips, resources and relatable numbers knowhow.

Run in conjunction with the  masterclass series with bonus content.

Get Number Savvy Training

I am building affordable finance resources, templates and training courses specifically to empower small business owners to grow their vision with profit & purpose. Designed to help you tackle scary finance topics in a fun and friendly way.

This is for wonderful, creative entrepreneurs. Who – quite frankly – would much prefer to be creating in their business than looking at their financials.

I will help you to understand your business numbers, so you can live a profitable and purposeful entrepreneurial life by mastering the fundamentals.

Free Finance MOT 

 Find out how well you’re really doing with the finance fundamentals

(and receive some tailored guidance)

Join The Mailing List

Did you know we send out a regular friendly finance newsletters, ‘Backstage With Below The Line Finance’.

It’s full of Down to Earth finance tips, guidance and resources – to help you feel good about your business numbers as you grow and evolve  your business!

Neurodiversity Research Study

What if the experience of managing your finances and working with an accountant could be less frustrating and more inclusive for neurodiverse business owners? 

I’ve been working to create a solution for this for for sometime! And I would love your insights on how I can we can make this even better. 

I would be so grateful if you could share any feedback on your frustrations with finances as a neurodivergent business owner. You will be invited to attend some free workshops.


Browse our blog articles for finance tips, guidance and support

To help you create the good life with profits, purpose and healthy cashflows! 💸

Tired of second guessing your pricing?

Discover what you should really be charging with my Awesome Hourly Rates Calculator 🪄