Virtual CFO · Cash flow and finance

Guards the cash. Every number tied to how much oxygen you have left.

The Virtual CFO protects cash above everything. For any spend or hire it computes payback and the cash-flow effect in months, always with a base case and a downside, and it says bluntly when the unit economics do not work.

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Virtual CFO

Cash flow and finance

What the CFO does

Calculates months of cash flow, breakeven revenue at your margin, and a downside case with revenue 30% lower.
For a hire or a purchase, computes the sales needed to pay for it at your gross margin and how many months of cash it consumes if it does not.
Watches the R1 million VAT registration threshold and provisional tax timing, and flags SARS and statutory matters for a registered professional.
Builds the financial summary and funding readiness reports a bank will ask for.

Questions owners bring to it

A customer wants 60-day terms on a R400,000 order. Can I carry it?
My gross margin is 22%. Is that a problem?
Should I take the overdraft the bank offered?

What it replaces

A fractional CFO in South Africa typically costs R15,000 to R50,000 a month. The Virtual CFO is included from R899 a month on Growth.

The Virtual CFO gives general business guidance and is not a registered accountant, tax practitioner or attorney. Matters that need a licensed professional are flagged in the answer.