Finance support for profitable owner-managed businesses.
You have built a profitable business. The question is what to do next, and what you can afford. We run your month-end, show you the cash and the margins, and help you take profit out efficiently while building something worth selling.
Profitable is not the same as in control
Plenty of owner-managed businesses are profitable and still cannot answer the questions that matter. Where is the cash going? Can we afford this hire, this site, this purchase? Am I paying myself the right way? Is the business actually worth anything to a buyer?
That gap usually shows up when the accountant files the year-end and little else. The numbers are accurate, but they arrive too late to act on and they do not tell you what to do. We close that gap with a finance function that runs every month and an owner’s view of profit, cash and value.
This sounds like you if
- You are profitable, but cash still feels tight some months.
- Your accountant files on time but never tells you anything you can use.
- You are weighing a big call and cannot say for certain the business can take it.
- You are not sure you are taking profit out in the most efficient way.
- You have started thinking about your own exit, and want the business worth more.
- Reporting is once a year, when decisions happen every month.
The finance function, run properly
Run your month-end
Accurate monthly management accounts, on time, with commentary in plain English. You see performance, cash and margins while you can still act on them.
Show you the cash
A clear view of cash in and cash out, the timing, and what is coming, so the bank balance stops being a surprise.
Help you decide what you can afford
We model the big calls before you make them: a hire, a price change, a large purchase. You see the impact and the trigger point first.
Plan your drawings and tax
A sensible, efficient mix of salary, dividends and pension, planned ahead, so you are not guessing at year-end.
Tighten the finance function
Bookkeeping, payroll, VAT, credit control and controls, run properly underneath the reporting, so the numbers can be trusted.
Build value for your exit
Clean books, reliable reporting and a clear financial story make the business easier to sell and worth more when you do.
Established, owner-managed businesses
“In our very first year with AI Accounts, they have saved us over £120,000. Working with AI Accounts is like having your very own financial controller within your business.”Director, 20i · bootstrapped, profitable tech business
Prime Optical has worked with us since 2018: incorporation, bookkeeping, cash flow management and business advisory. Both are owner-managed, profitable businesses that wanted finance to keep pace with growth.
Read the case studiesYou can see what we cost
Most finance support for businesses your size is quote-only. Ours is not. Finance Operations starts from £1,500 + VAT a month, scoped to the size and complexity of your finance function, on a fixed monthly fee with no long contract.
View full pricingCommon questions
Annual accounts tell you what happened. We help you see what is happening now and what you can afford next: monthly reporting, cash visibility, planning and advice. Many owners move to us because the business has outgrown the support their current accountant offers.
Profit and cash are not the same. Cash gets tied up in debtors, VAT, tax, stock, timing and drawings. We look at the timing, rather than only the profit figure, so you can see what is really available.
Yes. We plan a sensible mix of salary, dividends and pension around your position, ahead of year-end rather than after it. We do not use aggressive or risky tax schemes.
Not always. Most owner-managed businesses need a reliable finance function and clear monthly numbers first. If you later need forecasting, scenario planning or exit preparation, we add CFO input then.
Yes. Clean books, reliable reporting and a clear financial story make a business easier to sell and worth more. We help you build that over time.
Finance Operations starts from £1,500 + VAT a month, fixed and scoped to your business. We give you a clear monthly fee with no surprises.
Know what your business can afford.
In 15 minutes you will know if we are the right fit and roughly what it would cost. No pitch, no pressure.