Below The Line Finance

Our signature Mini CFO™ Fractional CFO Packages provide access to top notch strategic financial expertise that supports good people doing good things.

Holding your hand through the finance fundamentals and into savvy commercial strategy. So you can build your best business on Earth!

Access the level of CFO engagement you require at a predictable monthly fee.

With savvy strategic advice, you can build your mission-led venture with profits, purpose, healthy cashflows and good vibes!

 

Bring your business to life with Mini CFO strategic finance support.

How would it feel to… 

✅ Take the guesswork out of growing your business with a solid commercial and strategic finance plan.
 Make a difference through meaningful profits with a purpose, while spending your time intentionally and impactfully.
 Be able to eliminate, streamline or outsource all your boring and time-consuming business tasks. 
 Spend freely without having to worry about looking in your bank account because cashflow is sorted.
  Never again feel alone or confused by your finances because you have a savvy CFO partner on side.

Our Mini CFO™ Fractional CFO Packages:

Mini CFO™ Advisor

Perfect for early-stage startups and small businesses, this entry-level CFO package provides monthly strategic meetings, on-demand advisory access, high-level planning, and financial health checkups to solidify your core financial strategies.

Minimum Term: 12 months

From £1.5-3k per month
(some concessions available)

Mini CFO™ Focus Package

Mini CFO™ Focus

Designed for ambitious businesses seeking rapid enhancement, this package builds on our Advisor offering with full system reviews, comprehensive financial modelling, and strategic budgeting and reporting and financial oversight to elevate your potential.

Minimum Term: 4 months

From £3.5-6k per month

Mini CFO Executive

Mini CFO™ Executive

Comprehensive offering, ideal for businesses needing close integration with a CFO for engagement, embedded commercial and strategic support, in-depth long-term financial planning and financial leadership to drive sustained growth.

Minimum Term: 6 months

From £8-10k+ per month

Our Mini CFO packages are suitable for a variety of business types including:

✨ Start-Ups
✨ Established Businesses
✨ Not for Profit Sector

These are some of the sectors we support:

✨ Professional Services, Consulting & Tech
✨ PR, Content, Marketing & The Creative Industries
✨ Wellness & Coaching
✨ Retail, Food & Manufacturing

An illustrative example of how we might put together a bespoke package for a 2 director limited company (no team) that requires mainly annual CFO support in this type of scenario.

CFO Support:

  •   Onboarding, set up and welcome call
  •  Annual Strategic Finance Planning Session 
  •   Ad hoc CFO support – up to 2 strategic ‘talk it through with a CFO’ calls  
  • CFO Support Chat Function for day-to-day queries

Accounting Compliance:

  • Directors Payroll & Self Assessment Tax Returns 
  • Annual Company Accounts & Tax Returns & Tax Planning (with custom video on what it all means!)
  • Annual Confirmation Statement & Standard Companies House filings

Extras:

  • Complimentary access to Mini CFO Learning Wonderland 
  •  Discounted access to Harriet’s other CFO service offerings, projects, training and events
  •  Additional service add-ons such as Bookkeeping, VAT, Payroll for additional employees

From £250 (+ VAT) per month

 An illustrative example of how we might put together a bespoke package for a small limited company with a team that requires quarterly strategic CFO support in this type of scenario.

CFO Support:

  • Onboarding, set up and welcome call
  • QUARTERLY Strategic Finance Planning Session/Reviews
  • QUARTERLY Management Accounts 
  • Ad hoc CFO Support – up to 4 strategic ‘talk it through with a CFO’ calls
  • CFO Support Chat Function for day-to-day queries

Accounting Compliance:

  • Payroll & Self Assessment Tax Returns for Directors
  • Payroll and Auto Enrolment Pension for a number of employees
  • VAT returns & Book keeping
  • Annual Company Accounts & Tax Returns & Tax Planning Session (with custom video on what it all means!)
  • Annual Confirmation Statement & Standard Companies House filings

Extras:

  • Complimentary access to Mini CFO Learning Wonderland 
  •  Discounted access to Harriet’s other offerings, projects, training and events

From £770  (+ VAT) per month

 Start up needs vary greatly, but this is an illustrative example of how we might put together a bespoke package for a start up that requires monthly strategic CFO support in this type of scenario.

CFO Support:

  • Onboarding, set up and welcome call
  • ANNUAL Budget Setting Cycle
  • MONTHLY Strategic Finance Planning Session/Reviews
  • MONTHLY Management Accounts 
  • Ad hoc CFO Support – Unlimited strategic ‘talk it through with a CFO’ calls
  • Support chat with Harriet for day-to-day queries

Accounting Compliance:

  • Payroll & Self Assessment Tax Returns for Directors
  • Payroll and Auto Enrolment Pension for employees
  • VAT returns 
  • Annual Company Accounts & Tax Returns & tax planning (with custom video on what it all means!)
  • Annual Confirmation Statement & Standard Companies House filings

Extras:

  • Complimentary access to Mini CFO Learning Wonderland including for your own internal finance staff 
  • Discounted access to Harriet’s other offerings, projects, training and events
  • Discounted day rate/project pricing to add on extra support for funding rounds, board attendance, financial modelling etc. 

From £1,200 (+ VAT)  per month

 An illustrative example of how we might put together a bespoke package for simply CFO support

CFO Support:

  •  QUARTERLY Strategic Finance Planning Sessions 
  •   Ad hoc CFO support – up to 3 strategic ‘talk it through with a CFO’ calls  
  • CFO Support Chat Function for day-to-day queries

Extras:

  • Complimentary access to Mini CFO Learning Wonderland 
  •  Discounted access to Harriet’s other offerings, projects, training and events

Price from £175 (+ VAT) per month

 An illustrative example of how we might put together a bespoke package for Mini CFO Coaching support

Mini CFO Coaching is:

  • Monthly Strategic Business Coaching Call   
  • Access to Harriet (Email/Voxer/Whatsapp) for support in between sessions

Extras:

  • Complimentary access to Mini CFO Learning Wonderland 
  •  Discounted access to Harriet’s other offerings, projects, training and events

Price from £250 per session, £1,200 (+VAT) for block of 6 sessions. Other packages avaiable.

 

 Meet your new CFO, Harriet 

Harriet Formby MA ACA
Founder of Below The Line Finance | Fractional CFO | Chartered Accountant | Business Mentor

ICAEW CHARTERED ACCOUNTANT

POST GRAD BUSINESS STRATEGIST

LEVEL 7 EXECUTIVE BUSINESS MENTOR

TRAUMA OF MONEY™ CERTIFIED


"I know finances can feel daunting when you are a business owner, whether it's simply getting the basics right, navigating cashflow obstacles, developing a profitable model, making informed decisions, or accumulating the financial resources necessary to foster the growth of your aligned vision.

But don't worry! I an here to support you every step of the way - with practical and down to earth financial expertise. To help you navigate the financial complexities of running and growing your business, overcoming problems, raising funds and embracing change

I'm here to simplify processes and provide tailored insights that cater to your unique business needs. You'll gain a crystal-clear understanding of your financial situation, spot exciting improvement opportunities, and implement effective strategies to achieve your goals.

My friendly and down-to-earth approach ensures that we'll have open, straightforward conversations about your finances. No jargon or confusing language here! I want to empower you with the knowledge and confidence you need to make informed financial decisions that propel your business forward.

Together, let's transform those daunting finances into a powerful tool for growth and prosperity. With my support, navigating financial challenges becomes less stressful and more achievable. I'm ready to guide you every step of the way!

Book A Discovery Call

The first step is to speak with Harriet to explore working together through a Fractional CFO Package. This is a chance for you to find out more, ask questions and get to know each other, and assess fit – with no pressure.

You can book straight into my diary at a time convenient to you.

And by completing the pre call questionnaire, when we talk I will be up to speed and ready to help so that it’s a really engaged session.

A Fresh Approach to CFO Input 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 your business to thrive

 

Mini CFO is going to change the game for your business and life

 

Power Hour Style: Taster Session

 

Get a feel for our value with a One-Off Advice Consultation 

During this focused and dynamic 90-minute session, we’ll address your specific business/ financial questions and concerns, empowering you to move  towards clarity and profitability with peace of mind.

One-0ff session: £275 (plus VAT)

🌟 TESTIMONIALS 🌟

"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" 💡
Founder
"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

 

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

 

Full transparency…

Mini CFO is likely NOT a good fit for you if …

 You are trying to source the cheapest service on the market 

 You are not looking to make any changes or improvements in your business

 You prefer to only speak to an accountant once a year 

 You favour the old ways, inefficient processes and that trusty desktop version of Sage 😉 

 You only have a very short-term need for CFO input  (Instead one of Harriet’s other offerings might suit you better such as a one-off finance consultation call, perhaps a CFO project or dip into our  mentoring training offering).

But Mini CFO is likely to be a GREAT fit for you if …

 You are ready to Fractional CFO advice on at least a 3-6 month basis.

 You have some serious plans, goals and aspirations for your mission-led business

 You value commercial insight and a proactive approach.

 You embrace new ideas and innovative technology (even if it sometimes confuses you!)

 You are looking for a trusted finance partner to support your business journey

MINI CFO FAQS

 

Simply schedule a call and Harriet will be delighted to talk through your requirements and  access if this is going to be good fit for your business, answer all your questions and provide you with a proposal to get started.

The investment will depend on the complexity and size of your organisation and your current needs.

As a guide: 

  • Mini CFO™ Advisor Package – from £1,500- £3,500 per month (minimum term 12 months) *concessions available
  • Mini CFO™ Focus Package – from £3,500-6,000 per month (minimum term 4 months)
  • Mini CFO™ Executive Package – from £8,000 – £10,000+ per month (minimum term 6 months)

VAT at 20% is charged on top of all quoted prices.

The first step is to book a discovery call to discuss your business and to receive a quote

*sliding scale payment option available for a limited number of not for profits and other qualifying organisations

A Fractional CFO like a normal CFO – but  instead of taking on a full time hire, you gain access on a more part time, or fractional basis

 Supporting with activities like:

Business Planning, Budgeting, and Goal-setting

To help you align your business model and finances with your unique aspirations in a tangible action-orientated way and reach your destination more quickly and use your resources sustainably.

Routine Business Decision Making and Advice around Key Milestones

 Helping you make informed decisions that support your business goals – such as when to make an investment, pivot into a new market, hire or restructure.

Profitable Pricing Strategies

Helping you develop pricing strategies that ensure you are fairly compensated for your time and effort, while also allowing you to invest in your business.

This includes savvy pricing positioningmodelling your results and profits based on pricing and advice on pricing in contract negotiations.

Raising funds for your Next Phase of Growth

Providing guidance and financial models for raising funds through grants, loans, and investments, including support with creating rigorous and compelling applications and business plans

Cashflow Forecasting for Peace of Mind

Forecasting your cash removes the guesswork and fear from managing costs, essentials, and aspirations, without any nasty surprises. It’s about foresight and reacting to any shortfalls smoothly.

Reviewing and Improving your Commercial Performance

 Performance review is important so that you can strategise, plan and respond in a savvy way to what is actually happening, rather than reacting to what you think is happening.

Fit for Purpose Finance Systems and Processes

 Support you to set up scalable  and insightful finance systems and processes that can handle an increase in customers without resulting in overloaded capabilities, reducing delays, overwork, and stress at minimal cost. 

Act as a Sounding Board and Business Partner

Bounce around new ideas and problem-solving, providing relevant expertise and proactive advice on the business finance implications and strategies for success

Supporting you with Difficult Conversations 

Helping you with hard decisions and conversations such as crisis management, negotiations, dealing with customers who pay late, or crafting price increase letters that may feel intimidating to send out. 

Finance function oversight

Overseeing your finance team, including line management style responsibilities 

Yes we provide Fractional CFO services  to Not for Profits/ charities and rates for such organisations receive discretionary pricing. 

Yes as a Chartered Accountancy Practice Registered with ICAEW, we are able to offer a suite of accountancy and compliance services including statutory accounts, tax filing, Payroll, VAT, companies house administration etc. We have limited capacity for these services and they are only available as add-ons to Fractional CFO packages.

Our Fractional CFO Packages compliment the work of your existing compliance accountant who handles your routine filings, taxes, bookkeeping and day to day accountancy support. We can also offer such services as add-ons.

 

 

If you’re not in a place to commission a Fractional CFO we offer some other options:

You can book a one-off Finance Consultation 

We can undertake a finance consultancy project.

 Harriet offers Coaching and Mentoring in Money Management, Business Finance & Strategy to Business Owners/CEOs/Professionals. 

We also provide a full suite of accessible finance training & resources via our Get Number Savvy Platform.

Harriet will be happy to hear from you. Get in touch and ask your questions.