Virtual CFO & Part-Time FD for Startups
At a glance: A virtual CFO gives you senior financial leadership – forecasting, cash management, board reporting and fundraising support – for a fixed monthly fee, without the cost of a full-time finance director. ICAEW/ACCA regulated, led by Waqas Sagar ACA FCCA, 18+ years’ experience and 5,000+ clients served.
Most startups and growing SMEs reach a point where bookkeeping and year-end accounts aren’t enough. You need someone who can tell you how long your cash will last, what to price, when to hire and how to present your numbers to investors. That’s what our virtual CFO service does.
Why Hire a Virtual CFO
- A fraction of the cost – senior finance expertise for a set number of days or hours each month.
- Decisions backed by numbers – rolling forecasts and scenario planning for hiring, pricing and spending.
- Investor confidence – professional board packs and a finance lead who can take investor calls.
- Joined up with compliance – the same firm prepares your accounts, tax, VAT and payroll, so nothing falls between two providers.
- Chartered and regulated – led by Waqas Sagar ACA FCCA, regulated by ICAEW and ACCA.
What Our Virtual CFO Service Includes
- Monthly management accounts and a KPI dashboard
- Rolling 13-week cash-flow forecast and 12–36-month financial model
- Budgeting, variance analysis and scenario planning
- Burn, runway and fundraising timing
- Board packs and attendance at board meetings
- Pricing, margin and unit-economics analysis
- Fundraising support: investor-ready accounts, data room and due diligence
- Tax strategy: R&D relief, Patent Box, EMI and SEIS/EIS
- Finance systems: Xero or QuickBooks set-up, approvals, expenses and integrations
- Bank, lender and grant applications
How Our Virtual CFO Service Works
- Diagnostic – we review your numbers, systems and goals.
- Scope – we agree a fixed monthly fee based on the days and deliverables you need.
- Set up – we build your forecast, KPI pack and monthly reporting calendar.
- Monthly cycle – close the books, report, review with you and update the forecast.
- Scale up or down – increase support around a fundraise or year-end, and reduce it when things are steady.
Related: startup accountants, tech accountants and accountants for SaaS businesses.
What We Offer Based on Your Business Structure
Compliance
- Bookkeeping
- Annual /Year End Accounts
- VAT Returns
- Confirmation Statement
- Payroll & PAYE
- Workplace Pensions
- Management Accounts
- Budgeting & Forecasting
Tax Advisory & Automation
- Company Tax Returns
- Personal Tax Returns
- R&D Tax Credits
- EIS/SEIS
- Capital Allowances
- Part Time FD
- Accounting System Automation
- Apps Integrations
Setup & Others
- Company Registration
- PAYE Registration
- VAT Registration
- Personal Tax Registration
- Company Secretarial Services
- Business Advisory Services
- Tax Investigation Insurance
- Business Growth IDeas
- Accounts Receivables
- Accounts Payable
Compliance
- Bookkeeping
- Annual /Year End Accounts
- VAT Returns
- Confirmation Statement
- Payroll & PAYE
- Workplace Pensions
- Management Accounts
Tax Advisory & Automation
- Company Tax Returns
- Personal Tax Returns
Setup & Others
- Company Registration
- PAYE Registration
- VAT Registration
- Personal Tax Registration
- Company Secretarial Services
- Tax Investigation Insurance
Compliance
- Bookkeeping
- Annual /Year End Accounts
- VAT Returns
- Confirmation Statement
- Payroll & PAYE
- Workplace Pensions
- Management Accounts
- Budgeting & Forecasting
Tax Advisory & Automation
- Company Tax Returns
- Personal Tax Returns
- Capital Allowances
- Accounting System Automation
- SPV Tax planning
- SPV Restructuring
Setup & Others
- SPV Registration
- PAYE Registration
- VAT Registration
- Personal Tax Registration
- Company Secretarial Services
- Business Advisory Services
- Tax Investigation Insurance
- Business Growth IDeas
Compliance
- Bookkeeping
- LLP Accounts
- VAT Returns
- Confirmation Statement
- Payroll & PAYE
- Workplace Pensions
- Management Accounts
- Budgeting & Forecasting
- Partnership Tax Return (SA800)
Tax Advisory & Automation
- Self Assessment Returns for Partners
- Capital Allowances
- Accounting System Automation
Setup & Others
- LLP Registration
- PAYE Registration
- VAT Registration
- Personal Tax Registration
- Company Secretarial Services
- Business Advisory Services
- Tax Investigation Insurance
- Business Growth IDeas
Compliance
- Bookkeeping
- Self Employed Accounts
- VAT Returns
- Payroll & PAYE
- Workplace Pensions
- Budgeting & Forecasting
- CIS Returns (if in construction industry)
Advisory & Automation
- Self Employed Tax Returns & Personal Tax Returns
- Capital Allowances
- Accounting System Automation
- Apps Integrations
Setup & Others
- Self Employed Registration
- PAYE Registration
- VAT Registration
- Personal Tax Registration
- Business Advisory Services
- Tax Investigation Insurance
- Business Growth Ideas
- Switching to Ltd company
- MTD - ISTA
Compliance
- Bookkeeping
- Property Accounts
Tax Advisory & Automation
- Personal Tax Returns
- Capital Allowances
- Accounting System Automation
- Apps Integrations
Setup & Others
- Personal Tax Registration
- Tax Investigation Insurance
- Making Tax Digital Setup
Compliance
- Bookkeeping
- Property Accounts
Tax Advisory & Automation
- Personal Tax Returns
- Capital Allowances
- Accounting System Automation
- Apps Integrations
Setup & Others
- Non-Resident Landlord Scheme (NRL) Registration
- Personal Tax Registration
- Tax Investigation Insurance
Compliance
- Bookkeeping
Tax Advisory & Automation
- Personal Tax Returns
- EIS/SEIS Reporting
Setup & Others
- Personal Tax Registration
- Tax Investigation Insurance
Compliance
- Bookkeeping
- Annual /Year End Accounts
- Yearly Statement
- Management Accounts
- Budgeting & Forecasting
Tax Advisory & Automation
- Overseas Entity Tax Returns
Setup & Others
- Register as an Overseas Entity
- Tax Investigation Insurance
- Company Secretarial Services
Compliance
- Bookkeeping
- Partnership Accounts
- VAT Returns
- Payroll & PAYE
- Workplace Pensions
- Management Accounts
- Budgeting & Forecasting
Tax Advisory & Automation
- Partnership Returns
- Personal Tax Returns
- Part Time FD
- Accounting System Automation
- Apps Integrations
Setup & Others
- Partnership Registration
- PAYE Registration
- VAT Registration
- Personal Tax Registration
- Business Advisory Services
- Tax Investigation Insurance
- Business Growth Ideas
- Switching to Ltd company
FAQs – Virtual CFO
What is a virtual CFO?
A virtual (or fractional) CFO is a senior finance professional who works with your business part-time, remotely or on-site, providing strategic financial leadership without a full-time salary.
When does a startup need a virtual CFO?
Common triggers are preparing to raise investment, a cash crunch, rapid hiring, a board that needs regular reporting, or founders spending too much time on finance.
How is a virtual CFO different from an accountant?
An accountant focuses on compliance – accounts, tax returns and filings. A virtual CFO looks forward: forecasting, cash planning, KPIs, fundraising and strategic decisions. We can provide both.
How much does a virtual CFO cost?
We charge a fixed monthly fee based on the time and deliverables you need, agreed in writing before we start. Contact us for a quote.
Can you attend our board meetings?
Yes. We prepare the board pack and can present the financials at board and investor meetings.
Do you work with our existing bookkeeper?
Yes. We can work with your in-house team or existing bookkeeper, or take over bookkeeping and compliance ourselves.
Which software do you use?
Mainly Xero and QuickBooks, with forecasting and reporting tools layered on top.
Is there a minimum contract?
No fixed minimum term. Our engagements run month to month and can be ended on 28 days’ written notice, in line with our standard terms.