Below The Line Finance

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

But where do you go for relevant and relatable strategic finance advice & insight?


 Good news: Our Outsourced Strategic Finance Advisory solutions has changed the game.

To bring you flexible and friendly financial expertise, that will help transform your business in the direction of your goals!

Outsourced Strategic Finance and Project Support for business owners and finance professionals


Imagine having access the financial guidance and know-how to bring your business plans to life profitably, with the commercial insight on hand to help you make informed decisions.

Imagine having a smoothly running finance back office,  financial reporting cycle and cashflow in place that enables you to grow and attract inward investment and new customers – without drowning in admin.

Wherever you are in your business growth journey,  by accessing our CFO/FD level  outsourced consultancy and hands-on project support all of this can be sorted for you.

You can say goodbye to feeling overwhelmed by the complexities of financial management, so  you can  get on with your valuable work and achieving the impact you set out to deliver – without burning out!

Our fully customised Outsourced CFO  support and strategic advice is tailored to meet the unique needs of your exact business.

We go beyond traditional financial and accountancy support, with the commercial edge we help you to grow and  prosper.

We have experience delivering results in finance transformation, change management, along with comprehensive assistance on the financials for acquisitions and M&A activities.

Whether you’re a start-up, scale-up, SMElarger organisation or not for profit we offer flexible and friendly solutions with predictable fees and project packages.

As a highly skilled, ICAEW qualified Chartered Accountants and Business Advisory practice we has extensive expertise helping businesses at every stage of the journey to flourish.


The problem Mini CFO solves

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.


The Mini CFO solution supports with the following types of projects:

Strategic Financial Advice & Insights

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.

Business Plans & Financial Projections

Expertly crafted business plans, pitch decks, funding applications and financial projections.

Suitable for investors, stakeholders and lenders.

Finance & Operations Systems & Implementations

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.

Budgeting, Forecasting, Reporting & KPIs

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.

A Fresh Approach to Financial Support Fit for a New Era

A traditional part-time FD or consulting firms may not provide the relatable and fit-for-purpose support your business needs.

Below The Line Finance offers a more relatable and relevant approach, a positive ‘can-do’ attitude and entrepreneurial spark. Underpinned by valuable finance knowledge and insights for a modern business to thrive.

Key Features and Benefits of Mini CFO's Comprehensive Outsourced Financial Services Tailored to Your Needs

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.


As a registered ICAEW Chartered Accountancy Practice, Below The Line Finance is compliant, regulated, and fully insured.

Meet Harriet Formby, Your Strategic Business Financial Advisor



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.

We are expertly equipped to support you with financial decision making, reporting, planning, budgeting & forecasting cycles, cashflow & resource management and more.

By partnering with Mini CFO on a project you could:

  • Have the business plans & budgets to make your dream initiatives a reality.
  • Understand, map out and attain the cash needed to invest in innovation and growth.
  • Have the finance back office sorted, save time and money and get focused on the value add.
  • Have the commercial insight and profits to choose how you spend your time – focus on what brings  the most joy and impact!

Project Pricing & Packages

We offer bespoke project packages tailored to your specific business needs (guide price £5-£15k)

The first step is to speak to Harriet to discuss your requirements.

This is a chance for you to ask questions and get to know each other, and assess fit – with no pressure.

You may also be interested in:

Taster Session: 'Power Hour' Style

90 minute 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 confidently .

One Off session: £275 + VAT 

Fractional CFO Packages

We also offer Fractional CFO solutions for a savvy profitable business life!

Access to financial expertise and commercially savvy advice to take your venture in the direction of it's wildest potential.

4-12+ month engagement

"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