Do we need to move to specific software?

We'll use whichever of Xero, QuickBooks, Sage or NetSuite makes most sense. If you're on something else, we'll advise honestly whether a switch pays back.

How does this compare to hiring a full-time FD?

A permanent in-house FD runs £120k+ all-in; plus bookkeeper, plus accountant, plus payroll. The VFO wraps all of that into one partner-led subscription, with a Part-Time FD add-on available alongside any package.

What if we grow or shrink?

Change packages any time, the new price applies from the next billing cycle. No retroactive billing. We'll re-scope transparently.

You do, always. The software, the ledger, the reports, all in your name. If you ever leave, we hand over cleanly within 5 business days.

Flagship offering

Your finance function.
Reimagined.

FMY's Virtual Finance Office delivers 125+ years of cumulative Big 4 and corporate-finance expertise through partner-led service, handling everything from management accounts and cash-flow forecasting to board reporting and scenario planning, all for a transparent, fixed monthly fee.

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The problem

Growing businesses face an impossible choice.

Hire a full-time in-house CFO/FD and a finance team you can't quite afford yet, or make do with reactive accounting that never gets ahead of the curve.

We become your strategic finance team. Management accounts, cash flow forecasting, board reporting, scenario planning, all handled, at mid-market pricing.

Partner-led, every time

Your engagement is owned by a partner, not by an account manager two rungs removed from the work.

Scale without hiring

Bookkeeper, accountant, tax lead, payroll, and fractional FD, live on day one, no recruiting cycle.

Mid-market pricing

A finance function that would cost £250k+ to build in-house, delivered at a fraction of that outlay.

Business-centric advice

Advice rooted in your commercial reality, not generic tax-planner output lifted from last year's template.

Reliable, responsive service

Named contacts. Real SLAs. Same-day response on material issues; next-day on everything else.

Tailored strategies

Your structure, your KPIs, your board pack. We build to your ambition, not to a template library.

Institutional-grade expertise

Big 4 training, regulated experience, listed-entity board exposure, brought in-house to your finance function.

CFO-level strategic insight

Beyond historical reporting: pricing, margin architecture, scenario planning, and capital strategy.

Clarity from complexity

We turn messy cross-border, cross-entity, or cross-currency problems into one-page answers.

Proactive planning

We pre-empt year-end issues in Q1, not Q4. The goal is never a surprise, to you, to HMRC, or to your board.

Plain English, no jargon

You should be able to follow every sentence of every deliverable. If you can't, that's our failure.

Fixed fees, no surprises

Written scope, written fee, written exclusions. If we underquote, we absorb it, not you.

Your team

Five specialists. One point of contact.

Every VFO engagement is delivered by a named team. You'll know who signs off your accounts, who runs your payroll, and who picks up when something urgent lands.

Partner

Strategic oversight, sign-off, relationship

Chartered accountant

Statutory work, month-end, review

Dedicated bookkeeper

Daily transactions, reconciliation

Tax lead

CT, VAT, R&D, planning

Payroll specialist

Pay runs, pensions, compliance

Pricing

Transparent, fixed monthly fees, scoped to your business.

VFO engagements are priced per business. We publish three ready-made packages covering compliance, advisory and full operational support, and we quote the premium services you bolt on (Part-Time FD, Business Mentoring, Software Integration) up front.

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Virtual Finance Office

How the VFO actually works