The CFO your SaaS company actually needs. Without the full-time price tag.
Big Four-trained CFO embedded in your SaaS or AI business. Investor-grade financial models, MRR/ARR reporting, runway management, and board-ready metrics – from a senior finance leader who has done this before.
ARR Growth / Churn Rate / LTV:CAC Ratio / Net Revenue Retention / Runway Modelling / Investor Readiness / Series A / B / C / Board Pack Reporting / ARR Growth / Churn Rate / LTV:CAC Ratio / Net Revenue Retention / Runway Modelling / Investor Readiness / Series A / B / C / Board Pack Reporting /
The SaaS CFO Problem
You are scaling fast. Your finance function is not.
No investor-grade model
Your spreadsheets cannot survive a Series A data room. Investors see through a model that cannot flex on assumptions or cohort the revenue.
SaaS metrics are a mess
MRR, ARR, churn, NRR, LTV:CAC—your numbers are not clean, your definitions are inconsistent, and your board is asking questions you cannot answer.
Runway is a guessing game
Cash burn is tracked. Runway is not modelled. You do not know at what growth rate you run out, or when you need to raise before you have to.
A full-time CFO costs £180k+
You need CFO-level thinking, not a full-time salary, NI, pension, and share options. A fractional CFO gives you the calibre without the commitment.
What We Do
Senior finance leadership, embedded in your business.
We work alongside your founding team as a genuine finance partner—not a bookkeeper and not an accountant who visits once a quarter. We sit in your board meetings, speak to your investors, and build the financial infrastructure your SaaS business needs to scale.
“We went into our Series A data room with a model that investors actually respected. Our lead investor said our financial pack was the best they had seen from an early-stage SaaS. That was down to the work we did together.”
James T.
CEO, B2B SaaS • Series A, £7m
“Our churn analysis revealed a cohort problem we had completely missed. We fixed the product, improved NRR from 88% to 114%, and it directly contributed to our valuation at the next round.”
Priya M.
Co-Founder, AI Platform • Seed+, £3.5m
“I had tried two generalist accountants before. Neither understood SaaS. The difference is the language—MRR bridges, cohort retention, CAC payback. We finally had someone who knew the numbers before we explained them.”
Tom B.
Founder, PropTech SaaS • £2m ARR
Who This Is For
Built for UK SaaS & AI founders
We work exclusively with SaaS and AI companies. That means we understand your business model, your investor base, and your metrics from day one. No time wasted explaining subscription revenue to a generalist.
Pre-seed to Series B SaaS companies
AI and machine learning companies with complex cost structures
Founders preparing for a fundraise in the next 6–18 months
SaaS businesses scaling from £500k to £5m ARR
Companies whose board is asking financial questions the team cannot answer
Typical Engagement
1
Discovery Call
We map your financial gaps, metrics, and goals
2
Financial Model Build
Investor-grade model, SaaS metrics dashboard set up
A fractional CFO for SaaS operates as your senior finance leader on a part-time or project basis. That means building your financial model, owning your monthly management accounts, producing your board pack, managing your investor relationships, and ensuring your SaaS metrics are accurate and benchmarked. For fundraising companies, the fractional CFO leads the financial due diligence process and prepares the data room. The role is hands-on and strategic—not advisory at arm’s length.
Your accountant files your accounts and manages your tax. A fractional CFO builds forward-looking financial strategy. The two roles rarely overlap. Most SaaS founders keep their accountant and add a fractional CFO alongside them when the business reaches a point where historical reporting is no longer sufficient to run the company or satisfy investors.
The two most common triggers are a fundraise and an investor asking financial questions the team cannot answer. Beyond those moments, companies typically bring in a fractional CFO when they cross £500k ARR, when burn starts to matter, or when the board requires proper monthly reporting. The earlier you build the financial infrastructure, the cheaper and less painful fundraising becomes.
The core SaaS metrics we build into every client’s reporting stack: MRR and ARR (new, expansion, contraction, churn bridged), net revenue retention (NRR), gross revenue retention (GRR), customer acquisition cost (CAC), CAC payback period, LTV, LTV:CAC ratio, gross margin, Rule of 40, and magic number. For AI companies we also model GPU cost per unit of revenue, inference cost trends, and R&D tax credit flow.
Our retainers start from £2,500 per month plus VAT and are fixed, with no hidden costs. The fee depends on the scope of work, the complexity of the business, and the intensity of support required. A one-off financial model build starts from £3,500 plus VAT. Compared to a full-time CFO at £150,000–£200,000 per year plus NI, pension, and equity, the economics are clear. Book a discovery call and we will give you a fixed quote on the same day.
Yes. We work with both pure SaaS businesses and AI-native companies. AI company finances have unique characteristics—GPU and compute costs that scale with revenue, usage-based pricing models, significant R&D expenditure, and infrastructure cost curves that are different from traditional software. We understand these dynamics and build them into the financial model from the start.
ACA · ICAEW
Your Fractional CFO
Kishen Patel ACA
ICAEW Chartered Accountant · Big Four Trained · London
Kish is the founder of Consult EFC and the CFO behind SaaSFractionalCFO.co.uk. He is an ICAEW Chartered Accountant (ACA) with over 12 years of experience across Big Four audit, investment banking, and corporate finance advisory.
He has worked with over 100 UK businesses – from pre-revenue SaaS startups raising their first SEIS round to established software companies preparing for Series B and exit. Every engagement is led personally by Kish. Your work is never passed to a junior.
As a regulated ICAEW member, Kish is held to the highest professional and ethical standards in UK accountancy – the same standards that FTSE 100 boards and global investors rely on.
