Your finance function.
Without the full-time hire.
For UK business owners who need a finance function but cannot justify building one in-house. Fynlow covers the whole of it — day-to-day bookkeeping and payment preparation, monthly reporting and forecasting, the records and information needed for statutory filing (the filing itself can be done by an appropriate regulated firm introduced separately), automation of the manual work in between, and dedicated finance people working to your business for a monthly fee. From £149 a month. Start with a free 30-minute review.
illustrative
Can we afford a second engineer in November?
Yes — if the two overdue invoices land by 20 Oct. If not, January.
Illustrative example. Figures are fictional, not client results.
Ledger work, payment preparation, reporting and the thinking behind it — run by Fynlow on a fixed monthly fee, with the scope agreed in writing.
What would hiring for this cost you?
Drag the salary. We add employer's National Insurance and pension, then compare to Fynlow's Finance Support plan.
How much of it you hand over is up to you.
Start with the records, add the reporting, add senior input, or hand over a whole role. Most businesses begin in the middle and move as they grow.
Bookkeeping
Level 1 — your records, kept right. Reconciliations, bank feeds, VAT record-keeping, software upkeep and a monthly financial summary.
Finance Support
Level 2 — your numbers, explained. Everything in Bookkeeping, plus management accounts, a 13-week cash flow forecast, a decision log and a monthly review call.
Part-Time Finance Manager
Level 3 — someone in the room. Everything in Finance Support, plus board packs, KPI design, annual budget, scenario planning and process improvement.
Dedicated Finance Support
Your own finance person, without the hire. A named person working to your business on agreed hours — ledger work, payment preparation, reporting, whatever the role needs — with the work reviewed before it reaches you.
Fynlow is a service, not a subscription to a tool. There is no separate portal for you to manage; dashboards are included where they are useful. Statutory filing can be done by an appropriate regulated firm introduced separately; everything else may be delivered by Fynlow and approved delivery support, as agreed in writing, and is reviewed before it reaches you. Prices start at £149 a month; see full pricing or browse every service.
What the work actually looks like.
Four examples of what sits inside a plan. Cash flow and planning, payroll, sector reporting and dedicated roles are all covered too — we scope the exact list with you on the call.
Bookkeeping & recordsIn Bookkeeping
The foundation. Clean, current books are what everything else is built on.
- Purchase and sales ledger
- Bank and card reconciliation
- Bank feed setup and upkeep
- Supplier statement reconciliation
- Expense and receipt processing
- Credit card and petty cash
- Multi-currency transactions
- Year-end file prepared for your accountant
- Historic catch-up and clean-up
- Monthly financial summary
Management reportingIn Finance Support
What happened, why it happened, and what it means for next month.
- Monthly management accounts
- Profit and loss with commentary
- Balance sheet review
- Budget vs actual with variances
- Departmental and project P&L
- Margin and profitability analysis
- Customer and product profitability
- Channel reporting for e-commerce
- Board packs and investor updates
- Monthly review call
Compliance preparation and coordinationFiling by a regulated firm
Fynlow prepares the records and information. The filing itself can be done by an appropriate regulated firm introduced separately, which contracts with you directly, completes the filing and is responsible for that regulated work. Its fees are separate.
- VAT return preparation
- MTD-ready record keeping
- Self-assessment records
- Corporation tax information pack
- CIS records and deductions
- Year-end file for the accountant
- Deadline calendar and reminders
- HMRC correspondence organised
- Separate introduction to an appropriate regulated firm
- Liaison so you are not the go-between
Automation & AI in financeProject
Less manual work every month, fewer places for errors to hide. We map what your team does by hand, then automate the parts that should not need a person.
- Finance process review and mapping
- Month-end close automation
- Automated invoice and receipt capture
- AI-assisted invoice coding and filing
- Approval and payment-run workflows (you authorise)
- Email and document routing
- Bank feed and reconciliation rules
- Exception reporting and alerts
- Excel and Power Query reporting packs
- Live dashboard build
- Xero or QuickBooks setup and migration
- Chart of accounts design
- App stack selection and integration
- Written process documentation and handover
Don't see what you need? Ask on the free review call — and if it isn't something we do, we'll tell you who does.
What you get each month.
While we handle the day-to-day, three things come back to you on Finance Support and above: your management accounts, a 13-week cash flow forecast and a decision log — plus a call to talk them through.
Management accounts
Profit and loss, balance sheet and a plain-English commentary on what moved and why. Reviewed by a qualified finance professional, not generated by software.
- Actual vs budget with variances explained
- Typically delivered by the 5th working day
- One page you can read in five minutes
Cash flow forecast
A rolling 13-week view of what's coming in and going out, so you see a squeeze six weeks before it happens rather than the day the bank calls.
- Updated monthly from your accounting records
- Flags VAT, tax and payroll dates before they bite
- Options laid out, not just warnings
Decision log
Every recommendation we make is written down, dated and revisited. You can see what we advised, what you chose and what it was worth — so advice is accountable, not just talk.
- Each decision tied to a number, not an opinion
- Revisited the month after, honestly
- A written record for your board or your bank
Profit & loss — SeptemberIllustrative
Commentary: revenue beat budget on two new retainers; cost of sales ran hot on a one-off supplier price rise — worth renegotiating before Q4.
13-week cash flow — with the fix appliedIllustrative
Flag: cash dips to £5k in week 8 when the VAT payment lands. Options: chase the £6,400 overdue invoice now, or move the equipment purchase to week 10.
Illustrative decision logIllustrative
Should we take the £18k order on 90-day terms?
Recommendation: only with 30% upfront — as offered it would leave the business £4k short in week 6.
Illustrative outcome: agreeing 30% upfront would protect the cash position, keeping it above £9k.
Which of our three service lines should we drop?
Recommendation: none. Line C looked unprofitable until costs were allocated properly — it is your best margin at 41%.
Illustrative outcome: keeping Line C would retain about £2,100/mo of gross profit.
Can we afford a second engineer in November?
Recommendation: yes, if the two overdue invoices land by 20 Oct. If not, January.
Reviewing: 20 Oct, with October actuals.
Why this matters: software can show you the numbers. It cannot be held to what it told you to do about them.
Growing UK businesses like yours.
Limited companies
My accountant files once a year and disappears.
Monthly management accounts, live dashboards, budget vs actual and compliance co-ordination.
Startups
We need investor-ready numbers from day one.
Management accounts, KPI dashboards, cash runway reporting and finance function setup.
SMEs (5–50 staff)
I need a finance function but can't justify a full-time FD.
Part-time FM support, management reporting, budgeting, forecasting and board pack preparation.
Freelancers & contractors
I have no idea if my business is actually profitable.
Monthly management accounts, bookkeeping oversight, cash flow reporting and compliance co-ordination.
Landlords & property investors
I need to see my portfolio numbers in one place.
Portfolio dashboards, rental income reporting, yield analysis and tax compliance co-ordination.
Sole traders & self-employed
I just want to know if I'm making money.
Monthly accounts, bookkeeping, bank reconciliation and compliance co-ordination.
E-commerce sellers
I can't tell which channel is actually making money.
Channel reporting, margin analysis, multi-platform reconciliation and inventory cost tracking.
Tradespeople & CIS
My books are a mess and I don't know where I stand.
Bookkeeping clean-up, monthly financial summary, CIS support and accounts reconciliation.
Where a traditional accountant stops.
Annual accounts tell you what happened last year. Fynlow tells you what is happening now, and what to do about it.
A traditional accountant
- Often focused on year-end compliance
- Reactive — no forecasts
- No dashboards or live data
- FD-level thinking costs £80k+ in-house
- Reports often need to be requested
Fynlow
- Monthly management accounts
- Proactive — cash flow forecasts included
- Regular dashboards and reporting
- FD-level support from £599/month
- Delivered to a date agreed with you
Simple, transparent fees.
Prices start at £149 a month, excluding VAT. The exact fee depends on your transaction volume and scope, and we confirm it in writing before any work begins. Statutory filing can be done by an appropriate regulated firm introduced separately, and its fees are separate.
Bookkeeping
Clean books every month.
- Bookkeeping & reconciliations
- Bank feed maintenance
- VAT preparation & support
- Xero / QuickBooks upkeep
- Monthly financial summary
- Email support
Finance Support
A practical monthly finance function.
- Everything in Bookkeeping
- Monthly management accounts
- Cash flow forecasting
- Live dashboards
- Budget vs actual reporting
- Monthly review call
Part-Time FM
FD-level input at a fraction of the cost.
- Everything in Finance Support
- Monthly board pack
- KPI design & tracking
- Annual budget & forecasts
- Scenario planning
- Finance process improvement
Dedicated finance support
A named person working to your business on agreed hours, with the work reviewed before it reaches you. Priced on the role and the hours — typically a fraction of employing the same role directly once salary, employer’s NI, pension and recruitment are counted.
Finance automation & AI
We review how your finance work actually gets done, then automate the repetitive parts — invoice capture and coding, approval and payment routing, reconciliation rules, month-end close and reporting packs. Scoped as a fixed-price project, with the hours saved estimated before you commit.
One-off finance projects
Bookkeeping clean-up, management accounts setup, cash flow model, Xero & QuickBooks setup, Excel reporting pack, finance process review. Scope and price agreed upfront.
Compliance preparation and coordination
Self-assessment, VAT returns, corporation tax, CIS and year-end accounts. Fynlow prepares and checks the records and information. The filing itself can be done by an appropriate regulated firm introduced separately, which contracts with you directly, completes the filing and is responsible for that regulated work. Its fees are separate.
Not sure which is right for you? We'll recommend the best fit on your free 30-minute review call — no obligation.
Understand what you'll receive before you commit.
Start with a free review. We explain the recommended scope, deliverables and price before any ongoing work begins.
Free 30-minute review
We look at your numbers, understand your business and tell you exactly what you need. No jargon, no obligation.
We connect and set up
We get access to your Xero or QuickBooks, clean what needs cleaning and build your reporting structure.
Agree the scope first
You receive a clear outline of the proposed management accounts, cash flow forecast and dashboard before deciding whether to proceed.
We run it every month
Your numbers arrive every month without asking. We flag issues before they become problems. You focus on the business.
Questions we get asked a lot.
Xero, QuickBooks, Sage and the rest record what happened and show it back to you. None of them will tell you that a customer is quietly unprofitable, that week 8 is where cash gets tight, or whether you can afford a hire in November. That judgement is what Fynlow adds: we read your numbers every month and give you the decisions worth making, with the reasoning written down. We work inside the software you already have — we do not replace it.
Fynlow provides finance support services for UK businesses — bookkeeping and payment preparation, management accounts, cash flow forecasting, dashboards, automation and part-time finance manager support. Where statutory filing is needed, we prepare the information, and the filing can be done by an appropriate regulated firm introduced separately, which files it under a separate engagement with you.
Bookkeeping (from £149/month) covers reconciliations, bank feeds, VAT preparation and a monthly financial summary. Finance Support (from £299/month) adds management accounts, cash flow forecasting and live dashboards. Part-Time FM (from £599/month) is senior-level support — board packs, KPI design, budgeting, forecasting and strategic decision support. Think of it as the difference between a bookkeeper, a management accountant and a Finance Director.
Yes. One-off projects can include a bookkeeping clean-up, cash flow model, software set-up or management reporting pack. The scope and fixed fee are agreed clearly before work begins. There is no requirement to move to monthly support.
No. Fynlow is led by an experienced finance professional and is not a regulated accountancy firm. We prepare and check the information that gets filed; the filing itself can be done by an appropriate regulated firm introduced separately, which engages with you directly under its own terms, and its fees are separate from ours. We will tell you what those are likely to be before you commit to anything.
Fynlow works with Xero, QuickBooks, Sage and FreeAgent. If you are running on spreadsheets, that is fine too — we will tell you honestly whether moving to proper software is worth it for your size, and handle the move if it is. Any set-up or clean-up is scoped during onboarding.
Yes. We handle the migration of your financial data and get you set up as smoothly as possible, with no disruption to your compliance deadlines.
We connect to your Xero or QuickBooks, keep your bookkeeping clean throughout the month and deliver your management accounts pack monthly. You get P&L, balance sheet, cash flow and key commentary — everything you need to understand your business performance without chasing anyone.
Plans can be reviewed as your needs change. Any change in scope or price is discussed and agreed with you first.
Every business deserves the finance function the big ones have.
A £3m business and a £300m business face the same questions: can we afford this hire, will cash hold, which customer is actually profitable. The big one has a finance team to answer them. The small one gets a set of accounts nine months late.
Fynlow exists to close that gap. Software already does the bookkeeping — cheaply and well. What it can't do is sit with your numbers, spot the thing that matters and tell you plainly what to do next. That takes a qualified person who knows your business.
So our goal is simple: bring FD-level thinking to businesses that could never justify an FD salary, at a price they can plan around, with no jargon and no chasing.
If you need a glossary to read your own accounts, we've failed.
Your numbers arrive on an agreed date each month without you asking for them.
If a task is repetitive, it should be a workflow, not someone’s afternoon. We build that into how we run your finance function — and into yours where it helps.
If cash is tight or a price is wrong, you hear it from us early — not at year end.
We handle the day-to-day and the reporting. Statutory filing can be done by an appropriate regulated firm introduced separately, which engages you directly. Your engagement letter sets out who is responsible for what.
Request a free 30-minute review.
30 minutes. No obligation. We'll look at where you are, what you need and what it would cost — then you decide.
- A clear recommendation on the right level of support
- An honest view of the state of your books
- A fixed price before any work starts
Prefer email? hello@fynlow.co.uk
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