CFO Services

Senior Financial Leadership: Without the Full-Time Cost

Most growing businesses reach a point where a bookkeeper isn’t enough, but a full-time CFO feels out of reach. Our outsourced CFO services give your business the financial strategy, clarity, and leadership it needs. Our CFO services are a fraction of the cost of a full-time hire, with no long-term contract

Book Your Free CFO Strategy Session Now | Call: 020 3007 2700

Is Your Business Growing, But Your Finances Aren’t Keeping Up?

You’re busy running the business. Winning clients, managing people, chasing invoices. But when it comes to the bigger financial picture: where the cash is actually going, whether the margins stack up, what the numbers genuinely mean for your future, and there’s a nagging feeling something is slipping through the cracks.

Your bookkeeper keeps the records tidy. Your accountant files the returns on time. But nobody is sitting at the strategic table with you, asking the hard questions:

Where is our cash going each month?	What happens if we hire two more people?
Can we afford to take on this contract?	Are we in a position to approach a lender?
Are our margins actually healthy?	What does next year look like financially?

That gap between compliance and strategic financial leadership is exactly where a CFO belongs.

The problem? A full-time CFO in London will cost you upwards of £100,000 per year in salary alone, before bonuses, pension contributions, and employer on-costs. For most growing businesses, that simply is not viable. Yet the need for that expertise is very real, and ignoring it is costing you more than you realise.

The True Cost of Not Having a CFO

Without senior financial oversight, most SMEs find themselves stuck in one or more of the following patterns:

• Avoid financial tragedies
• Making major investment decisions on gut feeling rather than solid financial data
• Watching cash flow tighten without fully understanding why or how to address it
• Leaving growth opportunities on the table because the numbers are unclear
• Struggling to present credible financials to lenders, investors, or potential acquirers
• Firefighting financially, month to month, rather than planning strategically for the future
• Spending on the wrong things because no one is tracking what is and isn’t working

None of this is a reflection of how hard you are working. It is simply what happens when a business outgrows its financial management. The good news? It is entirely fixable.

EFJ Consulting’s CFO services give you the expertise of a seasoned Chief Financial Officer, available when you need it, at a cost your business can genuinely sustain.

We work alongside you and your existing team as a strategic financial partner. Whether you need monthly oversight, quarterly reviews, or support for a specific project, our service is built around your business, not a one-size-fits-all package.

As Your Outsourced CFO, We Will Provide:

• Cash Flow Forecasting: Know your cash position weeks and months ahead. Understand requirements before a crisis hits and make decisions with confidence.

• Break-Even Analysis: Know exactly what you need to sell to cover costs. Essential for pricing strategy, capacity planning, and sustainable growth.

• KPI Identification & Reporting: We define and track the numbers that matter most in your specific business, so you always know how you are performing.

• Fixed vs Variable Cost Analysis: Understand the real structure of your costs — and where the best opportunities are to improve margins without harming growth.

• Debt Planning & Reduction: A structured, strategic plan to manage any liabilities built up during harder times, without squeezing day-to-day operations.

• Board-Level Financial Reporting: Clear, confident reporting for you, your stakeholders, investors, or lenders whilst presenting your finances in the best possible light.

• Fundraising & Lender Preparation: We prepare the financial models, forecasts, and documentation that give you the best possible chance of securing funding.

 

Why Businesses Choose EFJ Consulting’s CFO Services

• Chartered Certified Accountants with decades of combined experience

• No long-term contracts, we earn your business every single month

• Fast response times, we’re here when you need us, not just at year-end

• Bundled with your existing accountancy, seamless, joined-up financial management for greater value

• A team behind you, not a single individual, our experts collaborate on your account

• London-based, serving businesses across the UK  Headquartered in Bexleyheath, DA6

• Modern technology combined with traditional expertise and personal service

 

How It Works

• A no-obligation 30-minute call with our team. We will listen to where your business stands today, where you want it to be, and what is standing in the way. No sales pitch, just an honest conversation about whether our CFO services are the right fit for you.

• We design a customised CFO engagement around your business, the right level of involvement, the right reporting cadence, and the right focus areas for your stage of growth. No two plans look the same.
• We get to work. Month by month, you will have clarity on your finances, confidence in your decisions, and a trusted partner holding your financial strategy, so you can focus on running and growing your business.

Book Your Free CFO Strategy Session Now | Call: 020 3007 2700

What Our CFO Services Include

Our CFO services are entirely bespoke. We create a tailored financial strategy for each client based on their industry, stage of growth, and business objectives. Typical engagements include:

• Cash Flow Forecasting: Cash flow is the lifeblood of any business. You may be turning a healthy profit on paper, but if you do not have sufficient cash to cover day-to-day operations, the business is at risk. Our CFO will build and maintain a rolling cash flow forecast so you always know your position and can plan ahead rather than react.

• Break-Even Analysis: Do you know exactly how much revenue your business needs to generate before it becomes profitable? Many business owners do not. Our CFO will identify your precise break-even point, critical information for your sales team, production planning, and pricing strategy.

• Budget v Actual Reporting: We establish a realistic, data-driven budget for your business, and then measure performance against it every month. When variances appear, we explain what they mean, what caused them, and what to do about them.

• KPI Identification & Reporting: What gets measured gets managed. We will work with you to define the key performance indicators that genuinely reflect how your business is performing, and build a reporting framework so you can track them with confidence.

• Fixed vs Variable Cost Analysis: Understanding the difference between your fixed and variable costs, and actively managing both, is one of the most powerful levers for improving profitability. Our CFO will identify where costs can be reduced or restructured without impacting growth.

• Debt Planning & Reduction: If your business has accumulated liabilities during periods of difficulty, our CFO will create a structured reduction plan that protects your working capital and maintains financial stability while you recover and grow.

 

Our CFO services are customised to meet your needs. We create a bespoke CFO strategy to help smooth your finance operations for the long-term success of your business and to help you make your operation more profitable. A business in a service industry will need a different skillset CFO from a business in the product-selling industry. As a part of CFO services, we provide certain reports:

Cash flow forecasting

It is key to business success. Businesses may be very profitable, but if they do not have sufficient cash to run day-to-day operations, they may collapse. This tool helps you and your business to understand the cash requirements and make decisions in advance.

Budget actual reporting

We provide variance analysis between the budget and actual figures. Your CFO will help you set up a realistic budget, analyse performance and make predictions, and provide you with information where there is a large variance.

Break-even analysis

Lots of businesses fail to calculate the breakeven point. Our CFO services will help you identify the breakeven point, which the sales and production teams must know. This will give the CEO of the company a better understanding of the cost and the sales price needed.

Variable vs. fixed expense reporting

Businesses will incur fixed costs regardless of what they do. Businesses will also have variable costs and incur them when you do work. The stronger possibility is to control these costs efficiently. Your EFJ Consulting Virtual CFO will be an expert at identifying these and help you set strategies to reduce them.

Identifying the KPI’s

Our CFO will help your business identify your key performance indicators, which will help to measure how effectively a company is achieving key business objectives.

Debt Planning and reduction

Our CFO will help you to set a strategy to optimise your liabilities that were built during hard times. The experts will create a reduction plan/payment without impacting your working capital.

Frequently Asked Questions About CFO Services

What is an outsourced CFO service?

An outsourced CFO service provides your business with the strategic financial expertise of a Chief Financial Officer on a flexible, part-time basis. Rather than hiring a full-time executive, which can cost well over £100,000 per year, you access the same level of expertise at a fraction of the cost, paying only for what you actually need.

How much do CFO services cost at EFJ Consulting?

ur CFO services are a fraction of the cost of a full-time hire. The exact cost depends on the scope of engagement, the frequency of work, and whether you bundle additional accountancy services. Many clients find that combining CFO services with their existing accounts package delivers exceptional value. We will always agree on a fixed, transparent price upfront.

Is there a long-term contract?

No. Our CFO services are offered on a rolling monthly basis. We do not lock clients into long-term agreements; we believe the quality of our work is what keeps you with us, not contractual obligation.

What is the difference between a CFO and my accountant?

Your accountant ensures your books are accurate and your tax obligations are met on time. A CFO takes a strategic view of your business finances, planning for growth, managing financial risk, improving profitability, and ensuring every significant financial decision is made with clarity and confidence. The two roles are complementary, not interchangeable.

Can I combine CFO services with my existing EFJ accountancy package?

Yes, and we actively encourage it. Clients who combine our CFO services with management accounts, bookkeeping, or annual accounts benefit from a fully joined-up financial function. Our team already knows your numbers, which means the CFO’s work is faster, more accurate, and more valuable from day one.

How quickly can we get started?

In most cases, we can begin within days of your initial consultation. Once we understand your business and agree on the scope of work, we move quickly.

What types of businesses do you work with?

We work with startups, SMEs, and growing businesses across a wide range of sectors, including construction, property, e-commerce, professional services, care homes, and technology. Whether you are a sole trader scaling up or an established limited company preparing for investment, our CFO services can be tailored to you.

 

Book Your Free CFO Strategy Session Now | Call: 020 3007 2700

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