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Accounting and People
Part-time CFO services in Ghana
Senior finance judgement, one to four days a month.
Part-time senior finance leadership: budgeting and forecasting, cashflow management, pricing and margin analysis, board reporting, and lender and investor relations. Typically one to four days a month.
Request a CFO scope All accounting and peopleThe judgement layer is what separates an outsourced finance function from a bookkeeping service. Whether to take the facility. Whether the margin on that contract is real. Whether you can afford the hire. A bookkeeper cannot answer those, and you do not need a full-time CFO to have them answered.
What a part-time CFO actually does here
Builds a forecast that reconciles to the ledger and is monitored against actuals. Models the decision in front of you before you commit to it. Prepares and presents the board pack rather than emailing a spreadsheet. Manages the relationship with your lender or investor, which is a job in itself once you have one.
The conversation you are paying for
When the numbers say something you do not want to hear. A contract that loses money once it is loaded properly. A customer whose receivable has quietly become a loan. A margin being eroded by a supplier arrangement nobody has looked at for two years. That is the part that pays for the fee.
When it is not the right answer
If your transaction processing is unreliable, fix that first. CFO time spent correcting bookkeeping is expensive bookkeeping. We will tell you if that is what we are seeing rather than billing days against it.
Per month, scoped to what the business actually needs
Reporting prepared and presented, not emailed
Decisions tested before they are committed to
Scope
What CFO time covers
Agreed at the start and reviewed quarterly, because what the business needs changes as it grows.
Budgeting and forecasting
A budget the business is measured against monthly, and a rolling forecast that reconciles to the ledger rather than sitting beside it.
Cashflow and working capital
Thirteen-week rolling cash forecasting, debtor and creditor discipline, and the working capital tied up in stock or unbilled work.
Pricing and margin analysis
Contribution by line, contract or customer, and what a price change would actually do. Modelled before it is committed to.
Board, lender and investor reporting
The pack prepared and presented, covenant monitoring where facilities exist, and managing the relationship with whoever is funding you.
Process
How the arrangement works
A fixed monthly commitment with an agreed agenda, not ad hoc availability billed by the hour.
Assessment
What decisions are pending, what information exists, and whether the underlying records will support the work.
Week 1Scope and rhythm
Days per month, the standing agenda, and what is delivered each cycle. Written down.
Week 2Monthly cycle
Forecast update, variance review, the decisions in front of the business, and the board pack.
MonthlyQuarterly review
Whether the arrangement still fits. Businesses outgrow this service, and we would rather say so than continue.
QuarterlyExit or handover
When you are ready to hire, we help you specify the role, assess candidates and hand over properly.
When it is timeEngagement
Fees, timing and who does the work
Fee basis
Monthly, by daysOne to four days a month at an agreed rate. Additional days quoted when a specific piece of work needs them.Who does the work
A partner or senior managerThe same person throughout. Continuity is most of the value.Review
QuarterlyIncluding an honest view on whether you still need us.Questions
Questions before you engage a part-time CFO
Do we get a real CFO or a bookkeeper with a title?
How many days do we need?
Can we use this without outsourcing the bookkeeping?
When should we hire someone full time?
Will you attend our board meetings?
Related
Read before you brief us
Next step
Tell us what decision is coming.
A funding round, a price change, a hire, or a contract you are not sure about. That tells us how much CFO time you actually need, which is often less than you expect.
Also under Accounting and People
Outsourced finance function
Bookkeeping, reconciliations, payables and receivables, and management accounts by working day five with a commentary on what moved and why. Run by qualified people, for a fixed monthly fee.
Payroll processing and statutory filings
End-to-end payroll: gross to net, PAYE, SSNIT Tier 1 and Tier 2, Tier 3 where operated, benefits in kind, bonus treatment and expatriate staff. Payslips issued, filings made, and a review before submission rather than after an assessment.
Xero implementation and training
Migration from spreadsheets or a legacy system, a chart of accounts designed around how you report rather than around a default template, bank feeds and approval workflows, and training so the system belongs to you.
Finance recruitment and HR consulting
Finding finance and operations staff who can do the job, including the technical assessment most recruiters cannot run. Plus employment contracts, handbooks and performance frameworks compliant with the Labour Act 2003 (Act 651).
Finance team and executive training
Technical training for finance teams on IFRS, Ghanaian tax and month-end reporting, and executive sessions for boards and management on the figures they are asked to approve. Built from your own reporting and delivered by the people who do this work every day.