Running a business comes with enough challenges, and navigating finances can be the real headache that overarches it all!
We understand the hurdles you face, from managing day-to-day finances, building a profitable business model, balancing cashflows to presenting numbers and projections to investors, lenders and key stakeholders.
While basic finance support for accounting and tax obligations is accessible, finding approachable and practical strategic financial advice – by people who actually ‘get’ a business like yours – is much more difficult.
And so many business owners struggle to achieve financial sustainability, momentum, and ultimately the impact they set out to deliver because they are sorely lacking in relevant financial support.
Savvy CFO input that enables your business plans to come to life profitably.
As a trusted business advisor we support your key decision making and development plans.
Expertly crafted business plans, pitch decks, funding applications and financial projections.
Suitable for investors, stakeholders and lenders.
Designing, implementing and up-leveling your business with seamless and slick finance and ops functions that will grow with your ambitions, give you peace of mind and time back.
Custom, flexible and fit for purpose business financials.
Concise, relevant performance data at your finger tips. know where you are, get to your goals and make smart decisions.
Mini CFO offers valuable insights and support in the following areas of business finance:
Assisting you to create and maintain comprehensive, custom and fit-for-purpose financial forecasts and budgets tailored to meet the needs of C Suite, investors and stakeholders. We can help you generate insightful financial reports that provide relevant information to these parties to make informed decisions.
Cashflow management is clearly crucial for the financial health of your business. Mini CFO can offer guidance and advice on effectively tracking and managing cashflow, ensuring that there is enough liquidity to meet operational needs and financial obligations. With strategies to help you work through any cash shortfalls and plan the capital you need for the next stage of development.
We can assess the commercial performance of the business and identify key areas for improvement. Analysing financial data, setting and tracking key performance indicators (KPIs), and other relevant metrics to help optimise business operations and outcomes.
Taking a seat at the table to support strategic business planning, setting goals, and developing profitable pricing strategies. We provide financial insights to support decision-making in these areas and offer valuable advice.
During significant milestones or periods of change in the business, Mini CFO can offer strategic advice and guidance to enable smooth transitions and effective and scalable financial management.
With experience in a wide range of software and systems in a variety of industries, we are well placed to provide recommendations and assistance in implementing suitable finance systems and processes that align with the needs and goals of the business and grow with you without taking up loads of your precious time!
As a trusted advisor, Mini CFO acts as a sounding board for business owners and executives, providing valuable insights and perspective on financial matters. Serving as your strategic and commercial business partner in financial and business decision-making.
We can provide support during challenging times in business, such as through difficult commercial conversations with stakeholders or where there is a need to restructure or rethink the business design. We bring reassuring and pragmatic financial expertise and guidance in navigating these circumstances which reduce the stress involved.
We mentor and train professionals finance teams or individuals within the organisation to enhance their financial skills and capabilities and develop their careers. This support contributes to building a stronger finance function within the business.
Harriet Formby, our lead strategic business financial advisor, brings a wealth of experience as a CFO, ICAEW Chartered Accountant, Mentor, and Business Growth specialist. With expertise in working with small businesses, ambitious start-ups, and international groups across various sectors, Harriet understands the challenges of building and running a business. She can help you navigate the complexities of finance and achieve your goals.
Before setting up Below The Line Finance in 2020, Harriet had a successful corporate career advising SMEs, start-ups, scale ups to grow profitably and attract investment. She has also led finance transformation projects and undertaken FD roles in the profitable integration of SME acquisitions, for Fortune 500/ PE backed international groups and finance change projects for Not For Profit Organisations.
Harriet has a first class academic background in business strategy as a published researcher and speaker. She is currently undertaking the ILM Level 7 in Executive Business Coaching & Mentoring and provides strategic business mentoring under the UK Governments’ Help to Grow Scheme.
Harriet utilities her commercial and strategic expertise, savvy financial mindset and positive approachable to nurture to support and advice business owners, leaders and finance professionals to achieve sustainable and profitable results, aligned with their goals and ambitions.
A one-off focused advice session to address your specific financial questions and concerns, going away with a clear plan of action that will empowering you to move forward.
A one off sessions is: £250 (discounts apply to blocks of sessions)
Outsourced Strategic Finance Consultancy and Project Support for business owners, founders, and finance professionals. Supporting you through business set up, change, transformation or Business As Usual.
Usually Billed at an hourly rate of £225 and we are happy to quote for fixed price project fee.
Customised support for a predictable monthly fee. We provide savvy strategic support through finance strategy sessions and ongoing access to your Mini CFO, combined with 'done for you' Accountancy services if required.
Mini CFO Subscriptions start for £225 per month.
Note: all prices are stated net of 20% UK VAT. Discounts apply to not for profit organisations.
We offer a complimentary call, to get to know each other, delve into your business, discuss any current challenges you’re facing, and explore your goals and aspirations.
These conversations 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.