Fractional CFO
As a company’s decisions become more complex, because of growth, new financing or pressure on liquidity, so does the need for systematic financial information and planning. Our Fractional CFO service provides management with ongoing financial support.
We work with management, the finance function, the accounts department and the company’s external advisers, turning the available financial data into meaningful insight on profitability, liquidity and the next steps.
How we can help
- We build a clear monthly financial picture, with results, cash flows and key indicators that are of real value to management.
- We monitor liquidity and future capital requirements, so that potential financing needs are identified in good time.
- We prepare budgets and financial forecasts and track deviations against the company’s actual performance.
- We analyse profitability by activity, product, customer or unit, where the available data allow.
- We support management in significant financial decisions with analysis, alternative scenarios and a clear view of the financial impact.
- We provide support with new bank lending, refinancing and the restructuring of existing debt obligations.
- We prepare the financial information needed for discussions with banks, investors or other providers of finance.
Debt restructuring
When existing debt obligations no longer match the company’s cash-generating capacity, we examine the options available and support management throughout the process:
- We map out the company’s existing debts in full.
- We estimate a realistic repayment capacity, based on the company’s projected cash flows.
- We assess the alternatives available for restructuring the debt.
- We prepare the financial documentation for discussions with creditors.
- We monitor liquidity, so that the new obligations can be met.
How we work
Initial assessment
We get to know how the business operates, the financial data available, management’s needs and the areas that need closer attention.
Financial information & planning
We set up the monthly financial update, the budget, the forecasts and liquidity monitoring.
Ongoing support
On a regular basis, we review the company’s performance, any deviations and the financial decisions ahead of management.
Monthly:a financial update covering results, cash and key indicators · a liquidity forecast · a meeting with management on the decisions for the period ahead.
When it matters
When management needs a more systematic view of profitability, liquidity and the company’s future direction, or when an existing finance function needs reinforcement for a specific project or at times of heavy workload.
Particularly when growth adds complexity to the business, when new financing or the restructuring of existing debt is being planned, or when better financial preparation is needed for banks, investors or a future transaction.