Practical tools, templates, checklists and frameworks covering regulation, fundraising, cashflow and strategic finance. Written by a practising fractional CFO who has done it in the real world.
A plain-English breakdown of CP25/14 and CP25/15 — the two consultation papers that will define the UK stablecoin authorisation regime.
FCA & RegulatorySixteen months of MiCA in live operation -- how UK firms with EU exposure are managing dual-jurisdiction crypto compliance and where the UK regime diverges most.
CFO StrategyAI agents executing multi-step financial tasks are moving from pilot to production. A practical guide to governance, controls and the real productivity gains -- and risks.
FundraisingThe UK IPO market is recovering. A decision framework for CFOs weighing public listing, secondary private round and strategic sale -- with a realistic preparation timeline.
CashflowAs the BoE cuts from the 5.25% peak, yield on corporate cash falls and working capital dynamics shift. How to reposition treasury strategy for a falling rate environment.
FCA & RegulatoryR&D tax relief, employer NIC, SEIS limits and crypto asset treatment -- the Spring Budget measures that require immediate CFO action.
FCA & RegulatoryThe real cost of DORA compliance for a mid-size fintech: people, technology, testing programmes and third-party audit -- with a practical CFO cost model.
Finance FundamentalsHow IFRS 15's five-step model applies to usage-based, hybrid and subscription SaaS pricing -- and the common errors auditors flag.
PaymentsFloat income, interchange, fee revenue and pass-through costs -- how to build and present a BaaS P&L that investors and regulators can understand.
FCA & RegulatoryA comprehensive 50-point CFO readiness checklist covering capital, governance, systems, controls and the FCA application itself -- seven months out from the gateway opening.
FundraisingThe lenders, the real cost (interest, warrants, OID, arrangement fees), the covenants and the decision framework for when venture debt makes sense vs equity.
CashflowTransaction, translation and economic FX exposure -- how to identify, quantify and hedge each, with guidance on IFRS 9 hedge accounting for finance teams.
CFO StrategyThe board pack structure, metric selection, narrative approach and common failures -- and how reporting should evolve from seed to Series C.
CFO StrategyThe dominant CFO agenda for 2026: regulatory readiness, AI integration, talent, profitability focus and treasury repositioning as rates fall.
CFO StrategyAI is reducing transactional finance work materially. How to restructure the team, manage the transition and hire for the skills the function actually needs.
FCA & RegulatoryThe transfer pricing obligations for UK fintechs with intercompany transactions -- arm's length documentation, master file, local file and the common HMRC challenge areas.
FundraisingHow to calculate LTV and CAC correctly, what benchmarks investors actually use, and the unit economics errors most commonly called out in due diligence.
Finance FundamentalsA 40-point year-end checklist covering accruals, cut-off, intercompany reconciliations, audit preparation and the going concern assessment.
FCA & RegulatoryHMRC's expanded crypto tax guidance, CARF reporting obligations, corporation tax treatment of crypto assets and the Section 104 pooling rule for companies.
FCA & RegulatoryConsumer Duty enforcement, the FCA crypto roadmap, PSR strategy updates, Open Banking progress and the HMRC digital asset framework -- the year in review.
CFO StrategyDriver-based budgeting, scenario planning, headcount budgets under AI, regulatory compliance cost lines and the board approval process for the annual plan.
PaymentsAPP fraud reimbursement costs, interchange reviews, VRP roll-out and open banking mandates -- the PSR's five-year strategy translated into CFO financial modelling implications.
CFO StrategyFrom disconnected spreadsheets to an integrated finance stack: what to build at each stage, how to sequence the investment and the common data governance pitfalls.
FCA & RegulatoryThe merged RDEC scheme, the 27% enhanced rate for R&D-intensive SMEs, qualifying expenditure categories and a worked calculation for a fintech claimant.
CashflowHow to build base, downside and stress scenarios, which assumptions to test, the triggers CFOs should define in advance and how to present scenario analysis to the board.
Finance FundamentalsThe three-stage ECL model, simplified approaches for trade receivables, the provision matrix and how the impairment charge flows through P&L and balance sheet.
FundraisingQuality of earnings, working capital analysis, revenue cohort review, the data room checklist and the common issues that kill or reprice Series B deals.
FCA & RegulatoryMethod A, B and C own funds calculations, the FCA's proposed safeguarding reforms and how PI and EMI regulatory capital requirements are changing.
CFO StrategyContribution margin targets, fixed cost leverage, gross margin expansion levers and the path-to-profitability model that Series B investors expect to see.
FCA & RegulatoryWhat the FCA found in its post-implementation reviews, where firms are still falling short, the financial risk of non-compliance and what a robust annual board report must contain.
CFO StrategyWhat AI FP&A tools can genuinely do, what they still cannot, the implementation reality and how to evaluate and select technology without being misled by vendor claims.
CFO StrategyAcquisition vehicle location, debt push-down, IP structuring, withholding taxes and the FX management discipline required between signing and completion.
FundraisingHow to calculate NRR correctly, what good looks like at each stage, the levers that drive it and how NRR compounds over time to determine LTV.
CashflowThe 13-week model, runway extension levers, bridge financing options and how to communicate a liquidity situation to the board and investors before it becomes critical.
Web3 & CryptoHow tokenised bond issuance works, the FCA Digital Securities Sandbox framework, the IFRS 9 accounting treatment and the operational advantages over traditional issuance.
CFO StrategyExactly who to hire, when to hire them, what tools support each stage and the finance function cost benchmarks at seed, Series A, B and C.
FCA & RegulatoryWhy HMRC is focusing on crypto, the types of enquiry, common triggers, proactive preparation and how to manage the response process effectively.
Web3 & CryptoThe genuine use cases, the risks that make most treasury teams cautious, the IFRS accounting treatment and a balanced framework for evaluating stablecoins in a treasury policy.
CFO StrategyWhat a fractional CFO can and cannot do, the cost comparison, the trigger points for a full-time hire and how to structure the transition effectively.
Finance FundamentalsBusiness email compromise, fake supplier scams, expense fraud and the control framework required for a distributed finance team -- including a controls matrix.
CFO StrategyThe three things investors actually want, the right format, model-specific metrics for SaaS and fintech, how to present bad news and the relationship with the board pack.
FCA & RegulatoryPlace of supply rules, EU OSS regime access for UK firms, the financial services VAT exemption and which fintech services are and are not VAT-exempt.
PaymentsWhat the digital pound is, the design features under consideration, the implications for payment infrastructure and safeguarding if it goes live, and the realistic timeline.
FundraisingThe common cap table problems that kill or delay fundraises, how to clean up a messy structure and what investors look for in equity due diligence.
CashflowThe cash conversion cycle, receivables and payables levers, invoice financing options and how rapid revenue growth creates a working capital trap.
FundraisingDeal volumes, valuations by stage, which sectors are attracting capital, the fundraising timeline reality and what CFOs must prepare for a 2025 raise.
FCA & RegulatoryTransfer pricing on intercompany loans, the thin capitalisation risk, the Corporate Interest Restriction rules and how to set defensible arm's length interest rates.
FundraisingThe defensible adjustments, the ones investors challenge, how to present a clear adjustments bridge and what the FRC and ICAEW say about non-GAAP metrics.
FCA & RegulatoryThe UK AML framework, CDD and EDD requirements, transaction monitoring, suspicious activity reporting and the personal liability of CFOs under the failure to prevent offence.
Finance FundamentalsThe architecture linking P&L, balance sheet and cash flow, the key fintech revenue drivers, common structural errors and the mistakes investors find in models they review.
Web3 & CryptoLiability vs equity vs revenue -- how the nature of the token and the attached obligations determine IFRS treatment, with a decision tree for token accounting classification.
FundraisingAnti-dilution mechanics, accounting and disclosure implications, shareholder communication obligations and how to rebuild credibility after a down round.
FCA & RegulatoryThe company qualifying tests, investor reliefs in detail, advance assurance process, compliance requirements and common mistakes that invalidate relief.
FCA & RegulatoryOBR growth forecasts, the employer NIC implementation context, R&D relief changes and the fiscal signal for fintech funding and investment.
Finance FundamentalsAP fraud risks in automated environments, the controls that must surround automation and the cost-benefit case for AP automation with a secure implementation approach.
FundraisingWhen debt makes sense vs equity, the debt instruments available to growth companies, the true cost calculation and how to present a blended capital structure to investors.
CFO StrategyQuality of earnings, working capital analysis, debt and debt-like items, tax and regulatory capital -- the FDD workstreams and the red flags that lead to price chips.
Web3 & CryptoFRS 102 treatment of crypto assets, the impairment-only model, trading stock classification, corporation tax timing differences and the disclosure requirements.
FundraisingThe state of VC funding entering 2025, how to position a raise in a competitive environment, realistic timelines and what term sheets look like in the current market.
PaymentsIlliquid currency markets, capital controls, NDF hedging instruments and treasury management for a company holding positions in ten-plus currencies simultaneously.
FundraisingWorked examples showing founder outcomes under different preference structures at the same exit valuation -- the economics that matter beyond headline valuation.
CFO StrategyThe regulatory calendar, AI implementation agenda, talent priorities, the 2025 fundraising environment and treasury strategy in a moderately high-rate environment.
FCA & RegulatoryOutput floor changes, standardised approach floors, FRTB and the counterparty implications for fintechs and corporates relying on bank lending and correspondent relationships.
Finance FundamentalsRight-of-use asset mechanics, the P&L impact on EBITDA and operating cash flow, how lease modifications are handled and a worked numerical example.
Finance FundamentalsWACC calculation, how elevated risk-free rates have increased cost of equity, the implications for investment decisions and how to recalibrate hurdle rates.
FCA & RegulatoryFull expensing, R&D claim preparation, group relief planning, the October 2024 Budget changes taking effect April 2025 and crypto asset timing considerations.
CFO StrategyInformation rights obligations, best practice for monthly updates, managing the narrative through difficult periods and the CFO's specific role in investor relations.
FundraisingDeal volumes, valuation resets, which sub-sectors attracted capital and the quality bar investors applied -- with implications for 2025 fundraising strategy.
CFO StrategyFinance function maturity assessment, gap prioritisation, sequencing the investment in people, systems and governance and how to present the roadmap to the board.
FCA & RegulatoryEmployer NIC rate to 15%, threshold to £5,000, CGT rate increases, carried interest changes and BADR rate changes -- with specific actions before April 2025.
PaymentsFund flow architecture, float management, safeguarding obligations, FX management in multi-currency flows and the reconciliation discipline required.
Finance FundamentalsRevenue recognition risk areas, the PBC schedule, common errors that cause delays, the going concern assessment and building a productive auditor relationship.
CashflowGross vs net burn, the 18-month runway rule, the 13-week cash flow model, the burn multiple efficiency metric and the decision framework for when to cut vs invest.
FCA & RegulatoryThe realistic authorisation timeline (12-18 months), the common reasons for delays, the cost of preparation and how to submit a complete, high-quality application.
Finance FundamentalsWhat creates it, when to recognise it, how it affects the cash flow statement (the counterintuitive direction) and how investors interpret a growing deferred revenue balance.
CashflowInvestment objectives, permitted instruments, counterparty and concentration limits, FX policy, board approval and a template treasury policy structure.
CFO StrategyDay one readiness, IFRS 3 accounting, goodwill and fair value, synergy tracking, integration cost disclosure and a 100-day integration finance checklist.
FCA & RegulatoryModel risk, explainability in credit decisions, Consumer Duty and AI outcomes, model governance requirements and the EU AI Act for UK firms with EU operations.
FCA & RegulatoryQualifying conditions, the investor tax advantages in detail, the advance assurance valuation process, disqualifying events and the post-Budget BADR rate changes.
FundraisingStructural options (SAFE, convertible, flat round), the negotiating positions that matter most, running a competitive process with limited competition and managing existing investors.
CashflowReceipts and payments method, key inputs, the weekly update discipline, variance analysis and the early warning indicators that should trigger board action.
Finance FundamentalsThe capitalisation criteria, the research-to-development phase transition, cloud/SaaS cost treatment and how capitalisation affects EBITDA and operating cash flow.
PaymentsVRP mechanics, the PSR mandate, the revenue model implications for payment firms and the cash flow timing and reconciliation implications for billing businesses.
Finance FundamentalsMarketplace P&L architecture, two-sided unit economics, liquidity economics and how to explain the business model to investors more familiar with SaaS.
CFO StrategyCurrent mandatory requirements, the LP push-down effect through PE/VC funds, fintech-specific ESG metrics and how to build a proportionate reporting framework.
FCA & RegulatorySubstantial Shareholding Exemption, dividend exemption, CFC rules, the Patent Box regime, IP structuring and the governance implications of a group structure.
PaymentsThe four-party scheme flow of funds, the regulatory caps, how to model blended interchange by card mix and the impact of PSR reviews on net interchange revenue.
CFO StrategySixty questions across revenue quality, cost structure, working capital, balance sheet, tax and regulatory capital -- a self-assessment for fundraising and M&A readiness.
CashflowBank deposits, money market funds, short-term gilts and fixed deposits -- the tradeoffs, how MMFs work and a tiered cash management policy for corporate treasurers.
Finance FundamentalsPurchase price allocation, goodwill treatment, separately identified intangibles, contingent consideration and a worked PPA example for a fintech acquisition.
FCA & RegulatoryMethod A, B and C calculations for PIs, the EMI 2% own funds requirement, qualifying instruments and a worked calculation showing how the combined requirement is determined.
FundraisingThe main grant schemes, eligibility criteria, how to write a winning application, IAS 20 accounting treatment and post-award compliance obligations.
FundraisingThe revenue quality spectrum, how investors apply different multiples to different streams, how to improve revenue quality over time and the due diligence red flags.
PaymentsBalance sheet vs facilitation models, regulatory requirements, loan book funding, credit risk and IFRS 9 provisioning for platforms adding lending capabilities.
FCA & RegulatoryEMI, CSOP, Growth Shares, RSUs and unapproved options compared across tax treatment, qualifying criteria, suitability and IFRS 2 accounting treatment.
Finance FundamentalsWhat belongs in COGS for a fintech, fixed vs variable cost classification, operating leverage dynamics and benchmark expectations at each funding stage.
CFO StrategyDay one readiness, the 30/60/100-day workstreams, ERP integration sequencing, synergy tracking, people management and the finance integration risks most often underestimated.
Web3 & CryptoHow the DSS works, which asset types qualify, who should apply, the modified regulatory requirements and the CFO implications of operating within the sandbox.
Finance FundamentalsHow to calculate DSO correctly, the debtor ageing analysis, credit policy design, the collections process and when to use invoice factoring or discounting.
CFO StrategyWhen to build FP&A, the right first hire profile, FP&A software vs Excel trade-offs, the operating cadence and how to make FP&A a genuine business partner.
Web3 & CryptoThree positions CFOs can take on crypto, the IFRS accounting treatment, treasury policy requirements, board governance and the 2024 regulatory environment.
CashflowEnter your cash balance, burn rate and revenue to see exactly how long your money lasts — with risk rating, fundraising window and suggested actions.
Finance FundamentalsSeparate gross burn from net burn, calculate your burn multiple and see how your capital efficiency compares against fintech investor benchmarks.
CFO StrategyCalculate your LTV:CAC ratio, CAC payback period and gross profit per customer. Benchmark against fintech peers and identify the levers that move the number.
FundraisingModel your raise size, timing and dilution impact in one view. See how different valuations, tranches and option pool refreshes affect your ownership at exit.
FCA & RegulatoryCalculate your minimum capital requirement as an EMI or PI under the FCA's own funds rules. Stress-test headroom across fixed overhead, variable, and base method.
PaymentsBreak down interchange, scheme fees, processing costs and FX margin to reveal true net revenue per transaction. Model volume thresholds and pricing scenarios.
Web3 & CryptoManage a mixed-asset treasury holding both fiat and tokens. Model sell-down schedules, price scenarios and fiat conversion timing to protect operational runway.
CashflowBuild a rolling 13-week cash flow forecast from scratch. Enter weekly receipts and payments by category, model collection lags and see when your cash dips below your minimum buffer.
CashflowCalculate your cash conversion cycle — days sales outstanding, days payable outstanding and days inventory outstanding — and model the working capital impact of changing payment terms.
CashflowApply shocks to your cash flow — revenue delay, customer loss, cost overrun — and see how many months of runway remain under each scenario. Includes a combined shock view.
Finance FundamentalsCalculate gross margin and contribution margin by product line, segment or customer cohort. Identify which revenue streams are diluting blended margins and model pricing adjustments.
Finance FundamentalsTrack deferred revenue balances, recognition schedules and contract liabilities across subscription tiers. Model the P&L impact of contract changes, upgrades and cancellations.
Finance FundamentalsVisualise what drove the change in EBITDA between two periods — volume, price, mix, costs and one-offs — as a waterfall bridge. Built for board presentations and investor updates.
CFO StrategyPlan headcount by department, hiring month and role level. Auto-calculate fully loaded people costs including employer NI, benefits and equipment, with a monthly phased P&L view.
CFO StrategyBuild base, upside and downside scenarios by toggling key assumptions — growth rate, churn, headcount, prices. See the P&L, cash and runway impact of each scenario side by side.
CFO StrategyValue an acquisition target using revenue multiples, EBITDA multiples and DCF. Model integration costs, revenue synergies and cost synergies to calculate an accretion/dilution view.
FundraisingCalculate the net cost to investors after SEIS and EIS income tax and CGT relief. Model the blended return at different exit multiples to show the true risk/reward for early-stage investors.
FundraisingModel the conversion mechanics of convertible notes and SAFEs at a priced round. See post-money cap, discount and interest effects on founder dilution across a range of Series A valuations.
FundraisingCompare the true cost of venture debt against equity dilution. Model interest, warrants, covenants and repayment timing against the dilution and control impact of raising the same amount as equity.
FCA & RegulatoryEstimate the annual cost of Consumer Duty compliance — systems, monitoring, reporting and governance — and model the ROI of investing in better customer outcomes vs remediation risk.
FCA & RegulatoryCalculate whether your safeguarded funds cover your relevant funds obligation under the FCA's safeguarding rules. Model intraday peak exposure and stress-test your buffer under settlement delays.
PaymentsCalculate blended interchange and scheme fees across card types, geographies and transaction volumes. Model the net revenue impact of pricing changes and scheme tier thresholds.
PaymentsCalculate your chargeback rate by volume and value, model the true cost of disputes including scheme fees and operational overhead, and see the revenue impact of chargeback threshold breaches.
Web3 & CryptoCalculate implied token price, fully diluted valuation and market cap across different circulating supply scenarios. Model price sensitivity to unlock events and compare against sector FDV benchmarks.
Web3 & CryptoAssess concentration risk, smart contract exposure and liquidity risk across a DeFi treasury. Model impermanent loss, protocol counterparty risk and the fiat equivalent value under stress scenarios.
CashflowA ready-to-use rolling cash flow template built for high-growth fintechs. Includes scenario tabs, variance tracking and board-ready output.
FundraisingThe exact folder structure and document list investors expect when you share diligence materials. Annotated with what goes where and why.
CFO StrategyA structured board reporting pack covering financials, KPIs, risks and strategic updates — formatted for non-executive scrutiny.
Finance FundamentalsAn integrated P&L, balance sheet and cash flow model built for founders. Includes a driver-based assumptions tab and monthly-to-annual roll-up.
FCA & RegulatoryA structured template for tracking own funds, capital headroom and regulatory return deadlines — built for EMIs, PIs and crypto-asset firms under FCA oversight.
PaymentsModel net revenue per transaction, scheme fee waterfalls, processing cost tiers and take-rate sensitivity — with a consolidated P&L view by payment method.
Web3 & CryptoModel token supply schedules, vesting unlocks, treasury sell-down and fiat conversion to build a compliant financial view of a token-based business.
CashflowTrack receivables, payables and inventory cycles in one view. Calculate your cash conversion cycle and model the working capital impact of growth or payment term changes.
CashflowDocument your treasury policy, counterparty limits and cash investment criteria. Includes a tracker for bank balances, term deposits and money market fund allocations.
FundraisingA structured monthly investor update covering MRR, runway, key wins, blockers and asks — written to the standard top-tier VCs actually read and respond to.
FundraisingTrack founders, employees and investors across all share classes, option grants and convertible instruments. Model dilution at each round and at exit.
FundraisingCompare competing term sheets side by side across valuation, liquidation preference, pro-rata rights, governance and founder protections. Quantify the economic impact of each clause.
CFO StrategyA driver-based annual budget with monthly phasing, department headcount planning and automated reforecast capability. Built for growth-stage companies managing rapid change.
CFO StrategyA single-page KPI dashboard covering revenue, growth, burn, unit economics and headcount — formatted for weekly leadership review and monthly board reporting.
CFO StrategyPlan and track the finance function's quarterly priorities — from systems implementation to audit prep and team hiring — aligned to company OKRs and board commitments.
Finance FundamentalsA structured chart of accounts designed for fintech, payments and crypto businesses — with cost centre segmentation, regulatory capital accounts and SaaS revenue line items.
Finance FundamentalsA complete monthly management accounts pack including P&L with variance commentary, balance sheet, cash flow statement and key metrics — ready for board distribution.
Finance FundamentalsTrack deferred revenue, contract liabilities and recognition timing across subscription, usage and one-time revenue streams — compliant with IFRS 15 and UK GAAP FRS 102.
FCA & RegulatoryMap critical business services, ICT dependencies and concentration risks as required under DORA. Includes a financial impact assessment and recovery time objective tracker.
FCA & RegulatoryA structured business-wide risk assessment for AML and financial crime — covering customer risk, product risk, channel risk and geographic exposure, with a residual risk scoring matrix.
FCA & RegulatoryTrack and evidence the four Consumer Duty outcomes — products, price and value, understanding, and support — with a monitoring schedule and board reporting framework.
PaymentsReconcile client funds held in safeguarded accounts against outstanding payment obligations on a daily basis — structured to meet FCA safeguarding requirements for PIs and EMIs.
PaymentsTrack multi-currency exposures, hedging instruments and mark-to-market positions across your treasury book. Model hedge effectiveness and currency P&L impact.
Web3 & CryptoMaintain a complete register of crypto assets held, including acquisition cost, fair value, impairment testing and disposal proceeds — structured for IFRS and UK GAAP compliance.
Web3 & CryptoModel team, investor and ecosystem token vesting with cliff and linear unlock schedules. Track circulating supply over time and quantify the treasury impact of each unlock event.
Fundraising50-point checklist covering financial model, data room, KPIs and legal structure — everything to have buttoned up before your first investor call.
Finance FundamentalsA structured close process for lean finance teams. Covers reconciliations, accruals, payroll journals, management accounts and board pack prep.
FCA & RegulatoryThe documents, policies and systems you need in place before submitting your FCA authorisation application — structured by the regulator's own requirements.
CashflowWalk through 12 cash flow risk scenarios — from customer concentration to payment delays — and verify you have controls in place before they become a crisis.
CFO StrategyEverything the finance team needs to prepare before a board meeting — from management accounts sign-off to KPI narrative, covenant compliance and audit committee items.
PaymentsFinance and compliance tasks to complete before going live as an authorised payment institution — capital, safeguarding, reporting and operational readiness.
Web3 & CryptoA structured checklist for crypto-asset businesses covering token accounting, HMRC reporting obligations, AML controls and financial disclosures under MiCA and the UK regime.
CashflowA step-by-step response plan for when cash falls critically low — covering immediate cost actions, revenue acceleration, creditor management and emergency financing options.
CashflowEnsure your cash position is clean at year-end — covering cut-off, bank reconciliations, petty cash, restricted cash disclosure and cash flow statement presentation under IFRS and FRS 102.
Finance FundamentalsA structured list of the financial controls every growth-stage company should have in place — from payment authorisation limits and expense policies to journal approval and bank mandate controls.
Finance FundamentalsEverything your finance team needs to prepare before auditors arrive — schedules, reconciliations, contracts, board minutes and disclosures — organised by audit area to minimise queries.
Finance FundamentalsA task-by-task checklist for moving between accounting systems or ERPs — covering data migration, chart of accounts mapping, parallel run, reconciliation sign-off and go-live cutover.
CFO StrategyA prioritised action plan for a new CFO or fractional CFO joining a growth-stage company — covering finance function assessment, quick wins, relationship building and 90-day deliverables.
CFO StrategyFinance workstreams for the first 100 days post-acquisition — chart of accounts alignment, intercompany eliminations, treasury consolidation, payroll integration and combined reporting.
CFO StrategyThe finance tasks underpinning a well-run annual planning cycle — from budget kick-off and board strategy session to final approval, KPI target setting and communication to the business.
FundraisingThe expanded financial due diligence package required at Series B — covering cohort analysis, unit economics, revenue quality, financial model, audit history and cap table hygiene.
FundraisingFinance and governance tasks when raising at a lower valuation — anti-dilution calculations, board consent requirements, employee option plan adjustments and investor communication protocols.
FundraisingConditions precedent, financial covenant calculations and board approvals needed before drawing down venture debt — plus the ongoing monitoring and reporting obligations once facilities are live.
FCA & RegulatoryPrepare and submit your annual FCA regulatory return — RMAR or REP — with a structured checklist covering data sources, calculations, review sign-off and submission deadlines.
FCA & RegulatoryA phased implementation checklist covering product and service reviews, price and value assessments, customer understanding testing and support adequacy — mapped to the FCA's own guidance.
FCA & RegulatoryThe financial, governance and AML documents required for FCA crypto asset business registration — structured to minimise rejection risk based on common application failure points.
PaymentsPrepare for an internal or external safeguarding audit — covering daily reconciliation evidence, bank letter confirmations, relevant funds calculation methodology and wind-down planning documentation.
PaymentsOperational compliance tasks for Visa and Mastercard principal and affiliate members — covering chargeback ratios, dispute response timelines, BIN sponsorship requirements and scheme reporting.
Web3 & CryptoFinance and legal tasks before a token generation event — covering token accounting policy, treasury management plan, vesting contract audits, exchange listing costs and HMRC reporting obligations.
Web3 & CryptoFinance and compliance tasks when onboarding to a new crypto exchange — KYB documentation, fee structure review, treasury controls, accounting treatment decisions and transaction monitoring setup.
CFO StrategyAnswer 15 questions to get a structured assessment of where your finance function is strong, where it is exposed, and what to fix first.
FundraisingA frank assessment of whether your numbers, narrative and processes are ready for institutional scrutiny — with a prioritised action plan.
CashflowIdentify your biggest cash flow vulnerabilities — concentration risk, covenant headroom, working capital cycles — and get a structured mitigation plan.
FCA & RegulatoryScore your compliance posture across capital adequacy, safeguarding, reporting and governance. Receive a prioritised gap analysis with remediation steps.
Finance FundamentalsEvaluate your controls across segregation of duties, approvals, reconciliations and fraud prevention. Get a maturity score and a staged improvement roadmap.
PaymentsAssess whether your payment unit economics are investable. Score net revenue per transaction, fee structure efficiency, FX margin and chargeback exposure.
Web3 & CryptoAssess the financial maturity of your crypto-asset business across accounting policies, treasury management, tax reporting and investor-grade disclosure readiness.
CashflowScore your working capital management across receivables, payables and inventory. Identify where cash is trapped, benchmark against sector peers and get a prioritised improvement plan.
CashflowAssess concentration risk, counterparty credit quality and liquidity risk across your cash and investment holdings. Score against treasury best practice for growth-stage fintechs.
Finance FundamentalsScore your revenue across predictability, concentration, churn risk and recognition quality. Identify the dimensions investors will discount most and get a clear action plan to improve revenue quality.
Finance FundamentalsAssess whether your accounting policies — revenue recognition, capitalisation, provisions, foreign currency and leases — are investor-grade and audit-ready, with specific gaps flagged for remediation.
Finance FundamentalsScore your financial planning and analysis capability across forecasting accuracy, scenario modelling, KPI reporting and business partnering — with a maturity roadmap from startup to Series C standard.
CFO StrategyAssess whether your finance team structure, skills and capacity match your current stage. Identify the gaps — in-house vs outsourced, CFO vs controller — and get a hiring and development roadmap.
CFO StrategyScore your board pack across financial quality, KPI relevance, narrative clarity and timeliness. Benchmark against best practice for growth-stage companies and get a concrete improvement plan.
CFO StrategyAssess your financial readiness to be acquired or to acquire — covering data room quality, management accounts standard, audit history, cap table hygiene and financial model robustness.
FundraisingA frank assessment of whether your financials are Series A ready — covering MRR growth, NRR, unit economics, burn multiple, financial model quality and data room completeness.
FundraisingScore your revenue across the dimensions institutional investors scrutinise most — predictability, concentration, churn, margin and growth quality — with a red/amber/green rating for each.
FundraisingIdentify cap table issues before investors do — option pool adequacy, liquidation preference overhang, anti-dilution trigger risk, drag-along mechanics and missing consents from prior rounds.
FCA & RegulatoryScore your regulatory compliance maturity as an EMI or PI across capital adequacy, safeguarding, regulatory reporting, wind-down planning and governance — with a gap analysis and remediation priorities.
FCA & RegulatoryAssess your Consumer Duty compliance posture across the four outcomes — products and services, price and value, consumer understanding, and consumer support — with an evidence gap tracker.
PaymentsAssess whether you are overpaying for payment processing. Score your interchange optimisation, scheme fee management, acquirer terms and currency conversion margin against industry benchmarks.
PaymentsScore your chargeback rate, fraud controls and dispute management process against scheme thresholds and industry benchmarks. Identify the interventions with the highest ROI before scheme penalties apply.
PaymentsAssess whether your embedded finance or BaaS revenue model is structured for profitability. Score margin per product, partner economics, revenue share terms and the unit economics of distribution.
Web3 & CryptoScore your token treasury governance against institutional standards — multi-sig controls, sell-down policy, concentration limits, counterparty risk management and board-level oversight of token holdings.
Web3 & CryptoAssess whether your crypto tax position and HMRC reporting obligations are under control — covering transaction records, cost basis methodology, DeFi income, staking rewards and disclosure requirements.
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