Virtual FD & Cash-flow Forecasting
A part-time finance director for growing businesses: rolling cash-flow forecasts, KPIs and monthly review meetings.
Senior financial support, without a full-time hire
As your business grows, decisions about hiring, investment and funding depend on reliable financial information. Many growing businesses need the insight of a finance director but are not ready for a full-time appointment.
Our Virtual FD service gives you that senior support on a part-time basis, with rolling cash-flow forecasts, clear KPIs and regular review meetings.
What a Virtual FD does
A Virtual FD service typically includes:
- Rolling cash-flow forecasts, updated regularly
- Key performance indicators that matter to your business
- Monthly review meetings with you and your team
- Budgeting and scenario planning
- Financial information for funding discussions with lenders and investors
We agree the scope and frequency with you so the service fits your stage and budget.
Who it's for
This service is for owner-managed businesses that want senior financial support, including:
- Growing businesses planning to hire or invest
- Businesses preparing to raise finance
- Owners who want clearer control of cash flow
- Businesses without an in-house finance director
What you get
As a Virtual FD client, you receive:
- A rolling cash-flow forecast
- A monthly KPI dashboard
- Monthly review meetings
- Budgets and scenario plans
- Financial information for funding discussions with lenders and investors
- Access to a qualified accountant between meetings
How our Virtual FD service works
- Understand your business
We review your business, goals and current reporting. - Agree the measures
We agree the KPIs, forecasts and meeting rhythm. - Build the forecast
We build your cash-flow forecast and reporting pack. - Monthly review
We meet with you monthly to review performance and cash. - Keep plans current
We update forecasts and plans as your business changes.
What we need from you
- Up-to-date bookkeeping, or access to your accounting software
- Your latest management or year-end accounts
- Your budget and plans, even in rough form
- Time each month for a review meeting
Timescales and key dates
- Your first cash-flow forecast is usually ready within a few weeks of the information arriving. We confirm the timetable when we agree the scope
- Reviews then follow the rhythm we agree, usually monthly
How it works
Your first conversation is a Discovery & Scoping Call. Its purpose is to understand your situation and agree where IB&Co can help. From there, the process follows five clear steps.
Discovery
We start by understanding your circumstances and objectives.
Scope
We identify the areas requiring further consideration.
Review
Where appropriate, we undertake a detailed advisory review.
Recommendations
We provide professional guidance based on the agreed scope of work.
Ongoing Support
Where required, we provide ongoing planning and advisory support.
Meet your adviser
Ishmael Bangura, Managing Partner
Other services for small and medium businesses
A Virtual FD service builds on reliable bookkeeping and management accounts. Explore our other services for growing businesses below.
Management Accounts
For business owners who want to know how things are going during the year. We prepare regular management accounts with clear commentary, so you can make decisions without waiting for the year end.
Strategic and Business Planning
For business owners with clear goals and no set plan to reach them. We work with you to turn those goals into measurable steps and targets, and review progress with you over time.
Bookkeeping Services
For small and medium-sized businesses that want their books kept properly. We keep your records accurate and up to date, so your returns, accounts and reports are built on reliable figures.
Payroll Management
For employers of any size, including sole directors. We run your payroll, issue payslips and make your submissions to HMRC, so your staff are paid correctly and on time.
End of Year Accounts
For limited companies of all sizes. We prepare your year-end accounts and file them with Companies House and HMRC, with practical advice along the way rather than just a set of figures.
Business Tax Advisory
For owner-managed and growing businesses. We review your plans with you and give practical tax advice before decisions are made, rather than looking at tax only once the year has ended.
Frequently Asked Questions
Management accounts report on past performance. A Virtual FD uses them, along with forecasts, to help you plan and make decisions.
Usually monthly, but we agree a rhythm that suits your business.
Not necessarily, but reliable, up-to-date bookkeeping is essential. We can provide it or work with your existing bookkeeper.
We can prepare forecasts and financial information for lenders and investors. We do not arrange investments or give regulated investment or credit-broking advice.
We agree the term and notice period with you in your proposal before work starts.
Fees are agreed in advance, after your Discovery & Scoping Call, based on the scope of work. You will receive a written proposal before any work starts.
Request a callback
Prefer us to call you? Leave your details, the service you are interested in and a convenient time, and a member of the IB&Co team will call you back to talk through your circumstances.
Get senior financial support for your business
Book a Discovery & Scoping Call to talk through your plans, or ask for a quote and we will come back to you with a proposal.
Checked on 30 October 2026.