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

Below The Line Finance Transform Entrepreneurs Into Financial Success Stories

Are you a mission-led founder feeling overwhelmed by finances?

Let us guide you.

Imagine a strategy that secures the funding you deserve, builds a strong financial foundation, and makes you feel safe with money while enhancing cash flow and fuelling your creative potential.

Ready to amplify your impact?

Explore how our Fractional CFO, Accountancy, Business Advisory and Money Mentoring Services can help you

Book A Call Today

Our Mission

We empower purpose-led founders to turn their visions into reality, building truly sustainable businesses, that make a significant impact on the world.

We champion ethical profits and wealth for good, that fuels your creativity and brings joy to your journey!

From Vision to Profit

Transform ideas into profits with our compassionate, expert guidance.

Future-Proof Your Business

Strategic foresight for sustainability and resilience.

Dream Big, Impact Bigger

Drive change and redefine entrepreneurship.

Human-Centric Financial Guidance with Mini CFO™

How we do this

Finance For The New Era

Join us in reimagining capitalism, experience finance redefined for empathetic, revolutionary business leadership where finance fuels transformative change for a positive future.

Commercial Insights

Tailored strategies for entrepreneurial success.

Passion for Innovation

Challenging the status quo with new solutions.

Trauma-Informed Approach

Sensitive navigation of the emotional side of finances

Meet Harriet – Your New CFO

Harriet Formby MA ACA

Founder of Below The Line Finance | Fractional CFO | Chartered Accountant | Business Mentor

“First and foremost, I believe that business founders are wonderful and unique humans each with their own experiences and narratives around money that are carried into the entrepreneurial adventure.

I’m here to transform finances from feeling like a frustrating barrier into a powerful amplifier of your success.

Whether we’re building strong financial foundations, tackling cash flow challenges, or refining your business model, I offer practical, strategic and highly empathic financial expertise every step of the way.

Together, we’ll develop real-world solutions and sustainable strategies, making the complexities of finance less daunting and more empowering.

Let’s turn business numbers into valuable tools for growth and impact that fuel your creativity and bring stability”

✨ Pick Your Business Playground ✨

🌟What People Say 🌟

This really exceeded my expectations!

The session was really varied and covered a lot more than I was expecting.

It was great to talk through my existing revenue streams, and how to make them work harder, and help me get a better work life balance. The way that you reframed my existing product / service offerings and how I can create more opportunities from them, which I had been overthinking.

I thought your prompt follow up and detailed notes from our session were really comprehensive and helpful. I really like all the additional support and tools that you offer as well.

Harriet's approach was brilliant, she really took time with me to help me break everything down and see things from a different perspective.

Having her expertise, and seeing how everything added up on a spreadsheet was really useful. Harriet took her time, to listen to me, and help me break everything down in ways that I hadn't thought about.

Not only did Harriet help with my finances, but it also gave me more confidence in my services and offering.

Thanks so much for working with me on my pricing Harriet- you gave me some great insight into ways of looking at things I hadn't thought of as well as lots of practical advice which I wouldn't not have done without speaking to you.

I really liked how you got me to think about the business and my rates in a different way to usual and thinking about considering everything I do in my business not just the main service. You helped me to see that what I offer is more than just the (tangibles) and therefore I need to price and value accordingly.

I've thought about our session lots since and have formulated a new plan going forward with my pricing!

We had been struggling to source these sorts of services internally or with our existing accountant. If you are business looking for CFO support, Harriet is productive, collaborative, and has really useful ideas.

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!

SCHEDULE A COMPLIMENTARY CALL WITH HARRIET TODAY!

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! 💖

ONE-OFF 'POWER HOUR STYLE' FINANCE CONSULTATION

Book an Advice Consultation and Achieve Financial Peace of Mind in 90 Minutes!

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

During this focused and dynamic 90-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.

£330 (£275 plus VAT)