An outsourced CFO who actually owns the numbers.
No agency layers. No junior handoffs.
Senior, embedded outsourced CFO for UK SaaS, AI & tech founders. One Big Four-trained, ICAEW chartered finance partner — not a junior plus an FD plus a model contractor. Fixed monthly retainer, no long-term contracts.
The SaaS CFO problem
You’re scaling fast. Your finance function isn’t.
No investor-grade model
Your spreadsheet won’t survive Series A due diligence. You need driver-based modelling with cohort assumptions.
No MRR/ARR reporting
You can’t answer “what’s our net retention?” in under 10 seconds. Board will ask. Investors will ask.
Board pack rebuilt each month
30 hours of founder time, every month, on slides no one trusts. There’s a better way.
Runway anxiety
You don’t know how many months you have, or what changes the answer. Scenario modelling solves this.
Who we work with
Built for UK SaaS & AI founders at the inflection point.
This is a fit if…
- You’re a UK-incorporated SaaS, AI, or vertical-software company between £500k and £10m ARR.
- You’re preparing to raise (Seed extension through Series B) in the next 3–9 months.
- You’ve outgrown your bookkeeper but a full-time CFO is 12–18 months away.
- Your board (or future board) needs proper monthly reporting — not exported Stripe screenshots.
- You want one senior finance partner — not a junior plus an outsourced FD plus a model contractor.
Probably not a fit if…
- You need day-to-day bookkeeping, payroll filing, or VAT returns (we partner with your accountant).
- You’re pre-product or pre-revenue with no funding runway.
- You’re a services business, agency, or non-recurring-revenue company — we specialise in SaaS unit economics.
- You want hourly billing or ad-hoc Q&A — our model is a fixed monthly retainer with defined scope.
What you get
A senior finance leader, embedded in your business.
Investor-grade financial model
Driver-based, cohort-aware, defensible in a Series A data room.
SaaS metrics dashboard
MRR, ARR, NRR, GRR, churn, CAC, LTV — live, not a screenshot.
Board pack & investor reporting
Monthly board-ready PDF with commentary. No more 30-hour scrambles.
Runway & scenario planning
Base, upside, downside. Know which lever moves the needle.
Fundraise support
Model, data room, investor Q&A, term-sheet review — start to close.
Monthly finance partner
Embedded in your team. Slack-accessible. Strategic, not just numerical.
Investor-grade financial model
A driver-based three-statement model (P&L, balance sheet, cash flow) built around your SaaS unit economics — the kind Tier 1 VCs actually open.
- Cohort-based MRR build with new, expansion, contraction and churn drivers
- Headcount plan tied to revenue, with fully-loaded cost per hire by function
- Bottom-up sales capacity model (quota, ramp, attainment)
- Cash flow waterfall with VAT, payroll, and timing assumptions
- Three-scenario toggle (base / upside / downside) with one-click switching
- Investor-ready summary tab built for sharing
SaaS metrics dashboard
A live finance dashboard wired into Stripe, Xero/QuickBooks, and your CRM — refreshed automatically, not assembled by hand.
- Core: MRR, ARR, ARPA, gross & net retention, logo churn
- Efficiency: CAC, CAC payback, LTV, magic number, Rule of 40
- Cash: burn, runway, months of cash on hand, gross margin
- Funnel: pipeline coverage, win-rate, sales cycle
- Cohort retention & expansion curves by acquisition month
- Mobile-friendly views for board members and exec team
Monthly board pack
A board-ready PDF every month with the CFO commentary your investors expect. Delivered three working days after month-end close.
- One-page executive summary & KPI traffic-light
- Trading performance vs. budget & prior month, with variance commentary
- SaaS metrics deck — retention, cohorts, unit economics trend
- Cash & runway position with forward 18-month forecast
- Fundraise / strategic tracker, risks & mitigations
- Pre-meeting walk-through with the founder before circulation
End-to-end fundraise support
From model to signed term sheet — your CFO in every investor meeting that needs one.
- Investor-ready model and one-page financial teaser
- Data room build & index (financial, commercial, legal trackers)
- Diligence Q&A management — we handle the financial questions
- Valuation triangulation (comparables, DCF, ARR multiples)
- Term-sheet & SHA financial-clause review alongside your lawyers
- Post-close: investor reporting setup & covenant tracking
How it works
From call to CFO in 2 weeks.
Discovery call
20 minutes. We diagnose the gap — model, metrics, fundraise, board.
Diagnostic & proposal
Within 48 hours: fixed-fee proposal, scope, deliverables, timeline.
Embedded as your CFO
Model built, dashboard live, first board pack inside 2 weeks.
Comparison
Accountant. Full-time CFO. Or us.
Most SaaS founders try to stretch their accountant — or jump too early into a £150k+ full-time hire. Here’s how the three options compare.
| Your accountant | Full-time CFO | SaaSFractionalCFO | |
|---|---|---|---|
| Focus | Compliance & statutory accounts | Strategic finance leadership | Strategic finance, SaaS-native |
| Investor-grade model | ✗ | ✓ | ✓ Built in week one |
| SaaS metrics dashboard | ✗ | Usually outsourced | ✓ Live, automated |
| Board pack & commentary | ✗ | ✓ | ✓ Monthly, 3 days post close |
| Fundraise leadership | ✗ | ✓ | ✓ Multi-round experience |
| Cost | £500–£2k / mo | £150k+ / yr + equity | £2.5k–£8k / mo, no equity |
| Time to value | Already there | 3–6 month hire + ramp | Embedded in 2 weeks |
| Commitment | Annual engagement | Permanent hire | 30 days notice either side |
Pricing
Fixed monthly retainer from £2,500/mo
Scope agreed up front. No hourly billing. No long-term contract — 30 days notice either side. Typically 70–80% less than a full-time CFO.
The first 90 days
What changes, week by week.
A predictable onboarding so you know exactly what’s landing when — and what you’ll be able to show your board, your team, and your investors.
Foundations
- Discovery, data audit, system access (Stripe, Xero/QB, HRIS, CRM)
- Chart of accounts cleanup & SaaS revenue recognition fixed
- V1 investor-grade model delivered & walked through
- SaaS metrics dashboard live with one source of truth
Operating rhythm
- First full board pack delivered with CFO commentary
- Monthly close cadence locked in (3 working days post month-end)
- Budget vs. actual tracking & variance commentary embedded
- Hiring plan and runway scenarios pressure-tested
Strategic uplift
- Fundraise readiness review or annual planning kicked off
- Pricing & packaging analysis if relevant to your stage
- Data room & investor narrative drafted (if raising)
- Board-level KPI targets agreed for the next 12 months
Outcomes
What founders measure after 90 days.
Founder time reclaimed each month
No more rebuilding the board pack, chasing Stripe exports, or stitching together a runway spreadsheet at 11pm.
Faster investor diligence
Data room ready before the first IC meeting. Financial Q&A answered in hours, not weeks. Term sheets close faster.
Board confidence in the numbers
One single source of truth across MRR, ARR, cash and headcount — the same numbers in every meeting, every month.
Credentials & trust
Senior finance, proven track record.
ICAEW
Chartered Accountant — the highest UK professional standard for finance.
Big Four
Trained at a Big Four firm. The audit and advisory rigour your investors expect.
SaaS-native
Years of CFO-level work inside SaaS and AI businesses — not generalist.
What founders say
“Took our model from a tangled spreadsheet to something we put in front of Tier 1 VCs. Closed our Series A.”
“First board pack landed in week two. Our chair said it was the clearest financial reporting he’d seen from a portfolio company.”
FAQ
Questions founders ask.
How much does a fractional CFO cost?
Fixed monthly retainers from £2,500/mo. Scope is agreed up front — no hourly billing, no surprises, no long-term contract.
How is this different from hiring a full-time CFO?
You get a Big Four-trained, ICAEW chartered senior finance leader for 1–3 days a month — typically 70–80% less than a full-time CFO (£150k+ all-in), with no equity dilution.
How is this different from my accountant or bookkeeper?
Accountants look backwards (compliance, statutory accounts). A CFO looks forward — investor-grade models, MRR/ARR analytics, runway scenarios, board packs, fundraise support.
Which stage of SaaS companies do you work with?
UK SaaS and AI companies between roughly £500k and £10m ARR — Seed through Series B. Most clients are preparing to raise, have just raised, or are scaling toward profitability.
How quickly can we get started?
Discovery call this week, proposal within 48 hours, embedded as your fractional CFO the following Monday. Typical onboarding is 2 weeks to a fully built model and live dashboard.
Are you UK-only?
Based in the UK, working with UK-incorporated SaaS and AI companies. Most clients have UK + US revenue and we model both alongside multi-currency consolidation.
Do you sign NDAs?
Yes — mutual NDA before any financial data is shared. Discovery call itself requires no NDA.
What if I don’t need a CFO every month?
Project work is available for fundraise prep, board packs, or financial model builds. Discuss on the call.
Which tools do you work with?
Xero and QuickBooks for accounting; Stripe, Chargebee and Recurly for billing; HubSpot, Pipedrive and Salesforce for CRM; Google Sheets, Excel and Causal for modelling; Notion and Slack for working alongside your team. If your stack is different, we’ll adapt.
Will you replace our existing accountant?
No — we work alongside them. They keep handling statutory accounts, payroll and VAT. We handle the forward-looking finance work: modelling, metrics, reporting, fundraise.
What does the discovery call cover?
20 minutes, no pitch. We ask about your stage, current finance setup, upcoming fundraise or board moments, and where the friction is. You leave with a clear view of whether a fractional CFO is the right next step — even if it isn’t us.
Can you help with our Series A specifically?
Yes. Pre-raise: investor-grade model, data room, narrative, KPI pack. During: financial Q&A management, valuation triangulation, term-sheet review. Post-close: investor reporting setup, covenant tracking, board pack rhythm.
What kind of board pack do you produce?
Board-ready PDF, delivered three working days after month-end close. Executive summary, KPI traffic-light, trading vs. budget with variance commentary, SaaS metrics deck, cash & runway forecast, fundraise/strategic tracker, risks & mitigations. We pre-walk it with you before circulation.
How is data kept secure?
Mutual NDA before any data is shared. Read-only access to your systems where possible, MFA enforced, password manager-based credential sharing, no client data stored on personal devices.
Book a free call
Pick a time that works.
20 minutes. No pitch. We’ll diagnose where the gap is and whether we’re the right fit to help.
Prefer to write?
Send a few details.
Tell us what you’re working on. We’ll reply within one working day.
Related services
Explore more fractional CFO options
Fractional CFO London
London-based fractional CFO for SaaS, AI & tech startups (£500k–£10m ARR). ICAEW chartered, Big Four-trained. Investor-g…
SaaS CFO Services
Specialist SaaS CFO services for UK software companies (£500k–£10m ARR). Driver-based models, MRR/ARR/NRR dashboards, bo…
Fractional CFO for AI Startups
Fractional CFO for UK AI startups & ML companies. Compute-cost modelling, gross margin analysis, runway planning, invest…
Series A & Fundraise CFO
Series A fundraise CFO for UK SaaS & AI founders. Investor-grade financial model, data room, board pack, VC Q&A and fore…
Fractional CFO UK (overview)
UK fractional CFO for SaaS & AI companies. Investor-grade finance on a fixed monthly retainer.