Below The Line Finance

Are you a purpose-driven start-up looking for a bit more expertise and aligned support with your finances than a typical compliance accountant offers?


Seeking savvy and strategic finance advice, that’s a little more approachable & relatable than a traditional fractional CFO – to help you scale successfully?


Good news!  

Below The Line Finance brings a feel good outsourced CFO solution fit for a new era.

 Holding your hand through the finance fundamentals and into savvy commercial strategy.  So you can build your dreams with profits, purpose, healthy cashflows and high vibes!

We support startups at various stages of growth:

 From those early days when you are  figuring it all out, testing out your idea, and learning through trial and error.  

Here we support you to build the finance foundations and frameworks for a sustainable future.

To start ups who are are seriously levelling up, who have secured investment or are seeking their next round of funds. 

We get stuck in with out strategic financial insights,  fit-for-stakeholder financial reporting, planning, forecasting capabilities and  precision cashflow management! 

Bring your dreams to life, 

with Mini CFO’s bespoke strategic finance support, 

built to your requirements.

Here’s how we help Start Ups succeed with the financials

Strategic Finance Subscriptions

The CFO subscription solution for a savvy profitable venture!

Ongoing robust, friendly and relatable financial insights, support and advice to level up your Start Up journey.

Consultancy, Projects & Outsourced FD

Outsourced Strategic Finance and project support for Start Ups.

Access to CFO level advice that grows with you, as you innovate, pivot & adapt.

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 investor ready 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 and your team with the finance knowledge and skills to thrive.

Book A Discovery Call


I offer a complimentary introductory call to explore working together. This is a chance for you to find out more, ask questions and get to know each other – 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 useful session for you.

 Meet your new CFO, Harriet 

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




 Xero optimised for your business 

As long term Xero champions and partners we can advise, implement and manage the best app ecosystem for your business to grow with you in a super automated fashion giving you the functionality and metrics for decision making and to enable a smooth and profitable customer journey


"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