A virtual CFO gives your SaaS or tech business access to senior financial leadership — delivered remotely, flexibly, and at a fraction of the cost of a full-time hire. If your business has moved beyond basic bookkeeping but isn't ready for a £150k in-house CFO, a virtual CFO fills that gap.
I work as your virtual CFO on an ongoing retainer, integrating with your team through video calls, shared dashboards, Slack, and your existing tools. You get the strategic thinking and financial rigour of a CFO without the overhead of a permanent executive.
What Does a Virtual CFO Do?
A virtual CFO provides the same services as a traditional CFO — financial strategy, cash management, fundraising support, board reporting — but works remotely and flexibly. For SaaS and technology companies, the role typically covers:
Financial Modelling & Forecasting
Building and maintaining your financial model, running monthly reforecasts, and creating scenario analysis for key decisions. Whether it's modelling the impact of a new pricing tier, projecting runway under different growth scenarios, or building a three-year plan for investors, the model becomes your financial decision-making engine.
SaaS Metrics & KPI Tracking
Setting up and monitoring the metrics that matter for your stage: MRR growth, net revenue retention, gross margin, LTV:CAC ratio, payback period, burn multiple, and Rule of 40. I build dashboards that give you and your investors real-time visibility into financial health.
Fundraising Preparation
Getting your financials investor-ready for Seed, Series A, or later rounds. This means building a robust data room, preparing financial projections that stand up to due diligence scrutiny, modelling dilution scenarios, and helping you tell a compelling financial story to VCs and PE firms.
Cash Flow & Runway Management
For startups, cash is survival. I build rolling cash forecasts, track burn rate against plan, optimise payment terms, and make sure you always know exactly how much runway you have. No surprises, no last-minute panics.
Board Packs & Investor Reporting
Monthly or quarterly reporting packages that keep your board and investors informed. Not just numbers — a clear narrative that explains performance, highlights risks, and shows you're in control. I design board packs that get read and drive useful conversation.
Commercial Finance Support
Working alongside your sales and product teams on pricing analysis, deal evaluation, market entry modelling, and customer economics. Finance shouldn't be a back-office function — it should be embedded in every commercial decision.
Virtual CFO vs Full-Time CFO: Which Do You Need?
The honest answer: most SaaS companies between £1M and £15M ARR don't need a full-time CFO. The workload doesn't justify the cost, and the best CFOs at that level prefer portfolio careers where they can work across multiple businesses.
A virtual CFO typically works 1-3 days per week with your business. That's enough to build your financial model, run monthly reporting, support fundraising, attend board meetings, and be available when you need strategic input on decisions. You get 80% of the value at 20-30% of the cost.
You should consider moving to a full-time CFO when your business exceeds £15-20M ARR, when you're preparing for IPO or a complex M&A transaction, or when the volume of financial decisions requires daily hands-on attention.
How Virtual CFO Services Work
Everything is delivered remotely, using the tools your team already uses — Zoom, Slack, Google Workspace, Xero, or whatever your stack looks like. I attend your leadership meetings virtually, share live dashboards, and maintain a regular cadence of financial reviews.
Most engagements start with a financial health check: I review your current accounts, identify gaps in reporting, build or rebuild your financial model, and set up the metrics framework. From there, it's an ongoing partnership where I act as your finance function's strategic brain.
Typical retainers range from 2 days per month for early-stage businesses to 3 days per week for companies in active fundraising or preparing for exit.
Who Is This For?
Virtual CFO services work best for SaaS, AI, and technology companies that have reached product-market fit and are scaling revenue, need strategic financial leadership but aren't ready for a full-time CFO, want investor-ready financials and board-quality reporting, or are preparing for a fundraise or exit in the next 12-24 months.
I work primarily with UK-based tech companies, with a focus on SaaS, AI, and B2B software businesses in London and across the UK.
Book a free discovery call to explore whether a virtual CFO is the right fit for your business.
