Virtual CFO
Ready for a CFO — but not the salary? We've got you.
Your business is growing, but so are the financial hurdles. You need strategic insight — not just spreadsheets. That’s where SBO Financial steps in.
We go beyond compliance. Backed by deep experience in finance, reporting, and business operations, we don’t just relay numbers; we turn financial data into smart decisions and tangible results.
Our VCFOs are financial strategists. We partner with Founders and CEOs to bring clarity to your business decisions, structure to your planning, and foresight to your finances.
Every engagement starts with three foundational phases. These are essential to set you up for success.
Once your strategy and systems are in place, we move into high-impact, as-needed advisory tailored to what will best move the needle for your business.
VCFO Packages
The SBO Growth CFO Framework
PHASES 1–3: YOUR FOUNDATION
These first three steps are the entry point for every client (unless you already have a documented strategy). They give us the strategic and financial base to build from.
1. Strategic Planning & Business Objectives
Where are you going — and how will you win?
We begin by clarifying your strategic direction. If your business already has a documented strategy, we review it to ensure it aligns with your financial goals. If not, we help define the fundamentals:
- What market are you playing in?
- What’s your competitive edge?
- How will your business grow and scale?
Outcome: A clear, documented strategy that informs every financial decision.
2. Long-Range Financial Planning
Turn strategy into a financial roadmap.
With your direction set, we develop a 3–5-year financial model to bring it to life. This includes:
- Revenue, cost, and profitability budgeting
- Identifying key growth drivers and financial assumptions
- Setting and tracking the right performance metrics
Outcome: A forward-looking plan with measurable targets.
3. Financial Visibility & Systems
Set up your finance function for speed, accuracy, and insight.
We make sure your finance systems deliver the data you need — on time and in a format you can use. That includes:
- Developing the right KPIs that you should be tracking
- Implementing dashboards and reporting using tools like Fathom
- Ensuring visibility over your margins, revenue streams, and cost base
Outcome: A finance function that delivers insights, not just reports.
Ongoing Support: Where Your VCFO Adds Value
Once your financial foundation is in place, your SBO VCFO becomes your strategic partner — ready to tackle the financial challenges and opportunities that come next.
Cash Flow & Working Capital
Plan ahead. Avoid surprises.
- Build 12-month or 13-week rolling cash flow forecasts
- Model best/worst-case scenarios
- Improve working capital cycles (receivables, payables, inventory)
- Evaluate funding options when needed
Outcome: Greater predictability and confidence in your cash position.
Profitability & Performance Optimisation
Drive growth with data-backed decisions.
- Maintain rolling 12–24-month forecasts
- Analyse margins, pricing, and cost structures
- Benchmark margins against industry peers
- Model decisions like hiring, new products, or expansion
Outcome: A clear plan to boost efficiency and scale profitably.
Capital Planning & Exit Readiness
Get ready for what's next — funding, sale, or restructuring.
- Review and optimise capital structure
- Support for debt and equity funding processes
- Business valuation and exit planning
- M&A support available via our Assurety team
Outcome: You’re prepared for investor discussions, exits, or major transitions.
On-Call CFO Support
High-impact advice when you need it most.
- Ongoing strategic reviews
- Pricing reviews, business model changes, market entry plans
- Special projects or urgent decision support
Outcome: A trusted advisor to guide critical financial decisions.
Why SBO Financial? Because reporting is just the start.
You need financial leadership that sees the big picture — and helps shape it. SBO’s VCFO service is built for growing businesses that want CFO-level thinking without hiring full-time. Whether you’re chasing scale, gearing up to raise capital, or looking to professionalise your finance function, we help you bring the strategy, systems, and clarity to get there.
“It's been great to be able to get all of our data into one place, know that the integrity's there and be able to use that and rely on that to make better decisions, which is exactly what I need as a CEO.”
Simon Griffiths, Co-Founder and CEO
