FINANCIAL CLARITY & FINANCE OPERATING SYSTEMS FOR GROWING SMEs

Revenue is growing.
Cash should not
feel like a mystery.

A3Z Finance helps SME founders turn fragmented finance data into clear cash visibility, forecasts, scenarios and board-ready reporting — without hiring a full finance team.

Book a Free Clarity Review See Our Services
£2m–£15m
Typical client turnover
CIMA
Qualified & CGMA designated
Fast
Setup from TB data to financial clarity
1 view
Cash, margin, runway & forecast

Financial clarity before the decision becomes expensive.

The Problem
Many growing SMEs are making decisions without a clear forward view.
You may have a bookkeeper, an accountant and accounting software — but still no clear view of the decisions ahead.
01
Revenue growing but cash not keeping up?
See exactly where the money is going before it becomes a problem. Margins, debtors, VAT, payroll and working capital timing — all visible in one place.
02
Planning a new hire, investment or CapEx decision?
Model the cash impact before you commit. Know whether you can genuinely afford it — not just whether the P&L looks healthy this month.
03
Unsure how many months of cash runway you really have?
Get a clear forward view, not a rough guess. Know your runway, your burn rate and your break-even point at all times.
04
Still relying on basic spreadsheets and month-end reports?
Build one clear financial operating view for better decisions. One source of truth, one dashboard, updated every month without manual rebuilds.
What We Deliver
One financial operating
system. Built for your business.
Built from a proven framework, configured entirely to your business — your revenue streams, cost structure, customer mix and growth strategy.
CR
Cash Runway
See your cash position month by month with early warning before cash gets tight. No surprises, no guesswork.
SC
Scenario Summary
Compare base, upside and downside scenarios so you can make decisions with confidence — before you commit.
FP
CapEx & Hiring Clarity
Understand whether you can afford the next hire, asset purchase or growth investment. Model it first, decide second.
R↑
Revenue vs Cash
Track exactly why revenue growth is not converting into cash — margins, debtors, VAT, payroll, working capital or timing.
KPI
Executive Dashboard
One view. Revenue, EBITDA, gross margin and closing cash. Updated monthly and built to your business — not a generic template.
BP
Board Pack PDF
A monthly PDF your accountant, investor or bank can read in five minutes — no spreadsheet required. Professional, reconciled and ready to present.
Our Services
Two ways to work with A3Z Finance
Both start with a fully customised FOS installation. The difference is what comes after.
One-Off Setup
Full implementation,
then you own it.
We architect and configure a finance operating system built entirely around your business. Then we hand it over — and you run it.
  • Discovery session — we understand your revenue streams, cost structure and growth strategy
  • Trial balance and chart of accounts mapped, cleaned and structured for reporting
  • FOS configured to your specific business — custom scenarios, 13-month forecast and annual budget
  • Executive dashboard configured — revenue, EBITDA, margin and cash in one view
  • Two onboarding sessions — so you know exactly how to use it
  • One month of hypercare, support and tweaks
  • Reconciled Data Summary PDF at handover
Best for founders who want to own and run their own numbers.
Ongoing Partnership
Setup plus monthly
support and insight.
Everything in the one-off setup — plus we run it for you every single month. Complete grip on your business, commercially aware, every month.
  • Full FOS installation — everything above included
  • Monthly data refresh and model update — we run it, not you
  • Annual budget set up with monthly variance analysis vs actual performance
  • Scenario and forecast updated as your business changes
  • Variance commentary — what moved, why, what it means for decisions
  • Monthly finance strategy call — commercial review, not just reporting
  • Board-ready PDF with written insight, delivered every month
Best for founders who want a finance function without the hire.
About A3Z Finance
CIMA-qualified. Built for founders who need real finance clarity.

A3Z Finance was built for founder-led SMEs between £2m–£15m turnover that need the clarity of a CFO-style finance view, without the cost of a full-time hire.

With a background spanning commercial finance, business partnering, SaaS and financial modelling, every FOS we build is structured, reconciled and tested with CIMA-level financial discipline and professional judgement.

🎓
CIMA Qualified — CGMA Designated Chartered Institute of Management Accountants
🏢
Senior Finance Business Partner Public sector and infrastructure commercial finance experience
💻
SaaS, Infrastructure & Commercial Finance Background Experience across SaaS, infrastructure, commercial finance and operational business management
📊
Excel, Financial Modelling & Valuation Analysis Advanced financial operating system architecture and FP&A
"Many founders have revenue, a bookkeeper and an accountant. What they often lack is a clear view of tomorrow. That's exactly the gap A3Z Finance closes."
— Muhammad, Founder, A3Z Finance | CIMA, CGMA
Get Started
Free Financial Clarity Review

A short review for founder-led SMEs that want clearer cash visibility, stronger forecasting and better management reporting. No hard sell. No files required before the first conversation. Just a practical view of where your finance visibility may be weak.

You will leave with a clear view of your current reporting gaps, cash visibility risks and the next 2–3 finance improvements worth prioritising.

By submitting this form, you agree that A3Z Finance may contact you about your enquiry. Your details will not be shared with third parties.

Available to UK SMEs between £2m–£15m turnover  ·  No hard sell, just clarity