How we help

A complete finance function, built around your business

Take the whole finance function off your plate, or just the pieces you need right now. Everything scales with you as you grow. Tap any service below to jump to it and see the detail.

Scroll to explore

Profit Optimisation

We find where your margin is leaking and help you keep more of what you make.

Why it matters

It's surprisingly easy to grow revenue and still make nothing. Discounting, rising ad costs, shipping, supplier terms and the wrong software all quietly chip away at your margin. Keeping costs under control, on the best rates, with the right suppliers and tools behind you, is what turns growth into actual profit.

Key features
  • A clear overview of your profit and where margin is leaking
  • Costs kept under control and on the best available rates
  • The right suppliers and software sourced to support strong margins
Advantages
  • A general, whole-business view of profit, not just endless spreadsheets
  • Fixes you can action now, not a theory-heavy report
  • Margin found without touching your pricing
What you gain
  • Stronger, better-protected margins as you grow
  • Costs kept lean, on the right rates with the right suppliers
  • More of your revenue reaching the bottom line

Common questions

Will this mean cutting my marketing spend?

Not necessarily. It's about spending where it pays. Sometimes that means spending more, just more wisely.

Do I need clean data before you can help?

No. Part of the job is getting the numbers to a point where margin by product and channel is actually trustworthy.

How soon will I see a difference?

Some fixes, like a pricing or discount tweak, land almost immediately. Others build over a few months as supplier and cost changes take effect.

Will you look at returns and shipping too?

Yes. For e-commerce they're often the biggest hidden drains on margin, so they're always in scope.

Is this a one-off or ongoing?

It can be either. Many brands start with a focused review, then keep margin under monthly review as part of an ongoing package.

Or start with a one-off Deep Dive Review →

AI-First Finance

Custom tools and an AI-first approach that connect your systems, sharpen your reporting and free up time and cash.

Why it matters

Your numbers are spread across your store, your couriers, your marketing, your payment providers and your accounting software, and none of them quite agree. Pulling it together by hand eats hours every month and the answers arrive too late to act on. Off-the-shelf software rarely fits a brand like yours. This is where a finance-first approach, with the right tools behind it, changes what's possible.

Key features
  • Custom apps and dashboards built around how your brand actually works
  • Your tools joined up so data flows on its own, from Shopify and ads to payments, 3PL and accounting
  • Automated reporting and AI-assisted analysis, reviewed by a human FD
Advantages
  • Built around your brand, not an off-the-shelf tool you bend to fit
  • A human FD signs off everything, AI does the legwork
  • Fewer hours lost chasing numbers across five different tools
What you gain
  • Month-end preparation time cut dramatically
  • Highly informed decisions, backed by numbers you can trust
  • Lower costs from tools that finally talk to each other
The Engine Room
The tools we build and run behind your numbers
Online
Plugged intoShopifyXeroCouriersStripeMeta Ads3PL

Overseen by your FD. Every tool reports to a person, not a dashboard.

Invoice CheckerCatches overcharges automatically
Plugs intoCouriers3PLXero
The problem

Courier, 3PL and supplier invoices are long, fiddly and almost never checked line by line, so overcharges and wrong rates slip through month after month.

What we built

An automated checker that reads each invoice against your agreed rate card, recalculates every charge and flags anything billed at the wrong rate, surcharged twice, or outside the deal.

The result

Billing errors and rate creep caught the moment they happen, so you only ever pay what you actually agreed.

Data Analyst BotAsk your store data anything
Plugs intoShopifyGA4Xero
The problem

The answer to most questions is buried across Shopify, your ad platforms and your accounts, and pulling it together by hand takes hours you don't have.

What we built

A finance-aware analyst you can ask in plain English, which queries your connected data and comes back with the number, the trend and a simple chart, no spreadsheet gymnastics.

The result

Answers to the questions that actually drive decisions, in seconds rather than a half-day of exporting and pivoting.

Shopify Store CombinerMany stores, one clear picture
Plugs intoShopifyShopify PlusXero
The problem

Running several Shopify stores or regions means the numbers never line up, and nobody can see the true, combined performance of the whole business.

What we built

A consolidation engine that merges every store, currency and channel into one clean set of figures, with each store still visible underneath when you want to drill in.

The result

One consolidated P&L and dashboard across every store, so you can steer the whole group instead of guessing.

Returns DetectiveTrue return rates, month by month
Plugs intoShopify3PL
The problem

Shopify counts a refund on the day it's refunded, not the day it was sold, so your return rate looks wrong almost every month.

What we built

A matched-returns engine that attributes every refund back to the month it was actually sold, and flags returns processed outside your stated policy window, a customer-service cost leak most owners never see.

The result

Return-rate reporting that reflects what actually happened, not a distorted refund-date snapshot.

Trend WatcherCost creep caught early
Plugs intoXeroShopify
The problem

A cost line creeping from 8% to 12% of revenue looks “in range” every single month on its own. The drift is the story, not any one month.

What we built

Every cost line expressed as a percentage of revenue over a rolling window, with sustained drift flagged automatically, before it's a real problem.

The result

Cost creep caught while it's still small, not six months later at year-end.

Savings ScannerFinds where money leaks
Plugs intoCouriersXeroSubscriptions
The problem

Most owners have no idea where money is quietly leaking: postage, platform fees, loan structure, subscriptions.

What we built

Free calculators that quantify the leak in minutes, feeding straight into a Deep Dive Review.

The result

One client saved over £50,000 a year on shipping alone, within about a month, just from reviewing their courier structure.

Board-Pack WriterYour monthly deck, drafted for you
Plugs intoXeroShopify
The problem

Management accounts either don't get written up in plain English, or take days to produce by hand every month.

What we built

The narrative and variance commentary drafted automatically from your numbers, reviewed and finalised by a human FD before it reaches you.

The result

A reporting deck that's ready every month, without a week of manual write-up.

Stock & Cash ForecasterSee reorders and cash ahead
Plugs intoShopifyXero
The problem

Stock ties up most of your cash, yet reorder timing and the cash hit that comes with it are usually a gut-feel guess.

What we built

A model that projects sell-through by SKU, flags what to reorder and when, and shows the cash impact before you commit to a purchase order.

The result

Fewer stockouts and less cash trapped in the wrong stock, with the cash impact visible before you buy.

Common questions

Is this off-the-shelf software?

No. It is fully customisable and built around your brand, so it fits how you actually work rather than forcing you to change how you run things.

How much do custom tools cost?

They are priced on demand once we have scoped what you need on a call, so you only pay for something that will genuinely pay for itself.

Do I need to be technical to make use of this?

Not at all. We handle the build and the connections, and hand you something simple to use, with support on hand whenever you need it.

Will AI be making decisions about my finances?

No. The tools do the heavy lifting on data and drafting, but a human FD reviews and signs off everything before it reaches you. AI does the legwork, a person makes the call.

Is my data safe?

Yes. We connect to your systems with read access wherever possible, keep your data within trusted, secure services, and never share it. Security comes first on every build.

Or start with a one-off Deep Dive Review →

Cost Savings & Benchmarking

We benchmark your couriers, fees and suppliers against brands like yours and claw back money you're overpaying, often thousands a year.

Why it matters

Costs get set once and rarely revisited. A courier rate that was fine at £10,000 a year becomes a fortune at £40,000 a month, still on the same deal, and card fees, subscriptions, insurance and supplier terms creep the same way. We run the finance function for brands like yours, so we know where you're paying over the odds.

Key features
  • A full sweep of couriers, card fees, software, insurance, interest and supplier terms
  • Benchmarking against what similar brands really pay, not list prices
  • Warm introductions to trusted partners where switching genuinely saves you money
Advantages
  • We know the right rate for a brand your size, so you're not negotiating blind
  • You keep every penny saved, we never take a cut of it
  • The switching is handled with you, not left in a report to chase
What you gain
  • Real money back in the business, often thousands a year, sometimes far more
  • Confidence you're not the brand quietly overpaying while competitors aren't
  • Costs that stay under review as you grow, not set once and forgotten

Common questions

How much do brands typically save?

It varies, and we can't promise a result. What we can say is that on every deep-dive review we've done so far we've found over £10,000 a year, and on one client we saved more than £50,000 a year on shipping alone just by restructuring their courier setup. Your figure depends on your size, your setup and how recently things were last reviewed.

Do you take a cut of the savings?

No. You keep every penny of what we save you. Where we introduce a trusted partner we may receive a referral fee from them, never from you, and only where it's genuinely the best option for your business.

Isn't this just haggling with suppliers?

It goes well beyond that. It's knowing the right rate for a brand your size, having the relationships to switch quickly, and spotting costs you didn't even know were negotiable.

Will switching suppliers disrupt my business?

We only recommend a switch where the saving clearly outweighs any hassle, and we manage the change with you so it's smooth.

What does it cost to have you look?

The cost review sits inside a Deep Dive Review or an ongoing package. Contact introductions are free either way.

Or start with a one-off Deep Dive Review →

Management Accounts

Clear monthly numbers you can actually use, with a plain-English steer on what they mean and what to do next.

Why it matters

Most founders get a set of year-end accounts months after the event, and a bank balance they check with their fingers crossed. That's fine for the taxman, but it's no way to run a growing business. You need timely, accurate numbers that tell you what happened, why it happened, and what to do about it.

Key features
  • Monthly P&L, balance sheet and cash, with a plain-English commentary on what moved and why
  • A KPI dashboard built around your store, channels and cohorts
  • Margin and contribution by product, channel and cohort
Advantages
  • Numbers within days of month-end, not a year later like a typical accountant
  • Explained in plain English, not left as a spreadsheet to decode
  • Built for e-commerce, so returns, ad spend and stock are handled properly
What you gain
  • You always know where you stand, with no nasty surprises
  • Quicker, calmer decisions on stock, ads and hiring
  • Reporting that's ready when an investor or lender asks

Common questions

How quickly after month-end do I get my accounts?

We aim for a fast, reliable close, usually within the first couple of weeks of the following month, depending on your systems.

Do you work with my existing bookkeeper and software?

Yes. We plug into what you already have, whether that's Xero, QuickBooks, Shopify or something else, rather than pulling it all apart.

What KPIs will I see?

The ones that actually drive an e-commerce brand: contribution margin, CAC and blended ROAS, return rate, AOV, stock cover and cash runway, tailored to your business.

I already get accounts from my accountant. How is this different?

Year-end accounts look backwards for the taxman. Management accounts are forward-looking, monthly, and built to help you make decisions while they still matter.

Is there a minimum commitment?

No long tie-ins. We earn the relationship each month, and you can scale the support up or down as your business changes.

Or start with a one-off Deep Dive Review →

Cashflow Management

A rolling cash forecast so you always know what's coming in, what's going out and what you can safely spend.

Why it matters

Stock-heavy e-commerce businesses live and die by cash. You pay for stock long before you sell it, VAT and tax land in lumps, and a brilliant sales month can still leave you short. Profit on paper doesn't pay the bills, and a lot of good businesses come unstuck because nobody was watching the cash.

Key features
  • A 13-week rolling cashflow forecast, kept live
  • Working capital, stock funding and VAT/tax set-asides planned in
  • Best, base and worst-case scenarios
Advantages
  • Updated as your business moves, not rebuilt from scratch each quarter
  • Stock, VAT and tax timing built in, not bolted on afterwards
  • Scenario-tested, so you see the downside before it arrives
What you gain
  • The confidence to invest in stock and growth at the right time
  • Early warning of any tight spots, with time to act
  • A much calmer relationship with your bank balance

Common questions

I've never had a cash forecast. Is it a big job to set up?

The first build takes a bit of work to get right, then it runs as a living tool that updates as your business moves.

Why isn't my profit the same as my cash?

Because you pay for stock before you sell it, tax and VAT land in lumps, and timing differences pile up. A forecast makes all of that visible.

Can you help if cash is already tight?

Yes. That's often exactly when we're brought in. We map the next few weeks, find the levers, and help you through it calmly.

Do you help with funding as well?

We do. Where funding makes sense, we help you secure or restructure it at the right price and the right time.

How often is the forecast updated?

It's a living tool, refreshed regularly so it always reflects where you actually are, not last month's plan.

Or start with a one-off Deep Dive Review →

Budgeting & Forecasting

Budgets and models that let you test the big decisions before you commit to them.

Why it matters

Growing means placing bigger bets. A new warehouse, a key hire, a marketing push, a new market. Without a proper model, those bets are guesses. A good forecast lets you see roughly how a decision plays out before you commit real money to it.

Key features
  • An annual budget built with you, from the bottom up
  • A joined-up model across P&L, balance sheet and cash
  • Scenario and sensitivity analysis for the big decisions
Advantages
  • Test a hire, a warehouse or a market before you commit the cash
  • One model, not three spreadsheets that disagree
  • Investor-ready modelling that builds credibility
What you gain
  • Big decisions made on evidence rather than gut feel
  • A clear target for you and the team to aim at
  • More credibility with investors, lenders and partners

Common questions

How often should the forecast be updated?

We reforecast regularly, usually monthly or quarterly, so the plan reflects where you actually are rather than last year's assumptions.

We're early stage. Is it worth forecasting yet?

Yes, arguably more so. A simple, honest model early on stops small brands making expensive, avoidable mistakes.

Can you model a specific decision for me?

Absolutely. We often build a focused scenario, like opening a new channel or taking on funding, so you can see the impact before you commit.

Will this help me raise investment or debt?

Yes. A credible, well-built model is exactly what lenders and investors want to see, and we can help you present it.

Do I need to understand the model myself?

We build it so it's clear and walk you through it, so you can use the outputs to decide without needing to be a modeller yourself.

Or start with a one-off Deep Dive Review →

Accounting, Tax & Compliance

Bookkeeping, VAT and year-end handled properly, so you stay compliant and can stop worrying about it.

Why it matters

As you grow, the admin gets more complicated. VAT across regions, international sales, payroll, year-end, and the controls that keep it all clean. Get it wrong and it's expensive. Get it right and you won't notice it at all.

Key features
  • Bookkeeping oversight and a tidy month-end close
  • VAT returns, including the international side
  • Year-end accounts and corporation tax coordination
Advantages
  • One team joining up bookkeeping, VAT, payroll and year-end
  • Sensible controls written down, so nothing falls through the cracks
  • Books that stand up to an audit or due diligence
What you gain
  • Peace of mind that everything's accurate and on time
  • Books that stand up to an audit or due diligence
  • Less time on admin and more on the business

Common questions

Do you replace my accountant?

We work alongside your accountant, or help you find the right one. Our job is the strategic FD layer that sits above the compliance work.

Can you handle VAT on international sales?

Yes. Cross-border VAT is a common headache for growing e-commerce brands, and it's well within what we handle.

What if my books are a mess right now?

That's a very normal starting point. We tidy things up first so everything downstream is built on numbers you can trust.

Do you look after payroll?

We oversee payroll and make sure it's accurate and on time, working with your provider or ours.

How do I know I'm actually compliant?

We put clear, written controls and a proper close process in place, so compliance is a routine that happens, not something you hope is being done.

Or start with a one-off Deep Dive Review →

E-commerce Operations

A proper look at your stock, couriers and systems to free up cash and protect your margin.

Why it matters

In e-commerce, finance and operations are joined at the hip. Too much stock ties up cash, too little loses sales. The wrong courier or 3PL rate quietly eats your margin. A messy tech stack makes every number harder to trust. This is where finance experience meets the day-to-day reality of running a store.

Key features
  • Stock planning and holding levels reviewed against cash
  • 3PL, courier and fulfilment cost review
  • A tidy tech stack for clean, reliable data
Advantages
  • Finance and operations looked at together, not in silos
  • Real experience of scaling a store, not just textbook theory
  • Operational KPIs sat right alongside the financials
What you gain
  • Less cash stuck in the wrong stock
  • Lower fulfilment and logistics costs
  • Numbers you can actually trust

Common questions

Is this only for Shopify businesses?

No. The thinking applies across platforms, though we do have a lot of experience with Shopify brands in particular.

Can you help reduce my shipping costs?

Yes. Courier and 3PL rates are one of the most common places we find savings, sometimes very large ones.

How do you decide the right stock levels?

We balance sell-through and lead times against cash, so you hold enough to not miss sales without tying up cash you need elsewhere.

My data is messy across tools. Can you still help?

That's usually the starting point. We tidy the tech stack and data flows so every number downstream can be trusted.

Do you work with my 3PL and suppliers directly?

Where it helps, yes. We're happy to deal with couriers, 3PLs and suppliers alongside you to get the rates and terms right.

Or start with a one-off Deep Dive Review →

Not sure which you need? Let’s work it out together.

A quick discovery call is the fastest way to see where an FD can make the biggest difference.