Virtual CFO

Strategic finance leadership. Clear insight. Flexible support for growth.

Stannards’ Virtual CFO service gives growing businesses access to experienced senior finance leadership without the cost, commitment or complexity of appointing a full-time CFO. We work with owners, executives and boards to improve financial visibility, strengthen decision-making and create a more disciplined finance function.

A Virtual CFO is most valuable when a business has outgrown basic accounting support but is not yet ready, or does not need, a permanent CFO. Whether the priority is growth, funding, margin improvement, cash flow management, governance, systems uplift or better board reporting, we provide practical financial leadership that is tailored to the stage and needs of the business.

Financial strategy and
decision support

  • Financial strategy aligned to business goals, growth plans and risk appetite.
  • Commercial input on pricing, margins, investment decisions and business performance.
  • Strategic support for expansion, acquisitions, restructuring or major operational decisions.
  • Profitability analysis, margin improvement and performance diagnostics.
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Board reporting and
governance support

  • Preparation of board and management reporting packs.
  • Attendance at board or leadership meetings where required.
  • KPI design and reporting aligned to business drivers.
  • Clear commentary on performance, risks, opportunities and required actions.
  • Support with financial governance, accountability and decision-making disciplines.
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Forecasting, budgeting
and scenario planning

  • Integrated three-way forecasts covering profit and loss, balance sheet and cash flow.
  • Annual budgets and rolling forecasts.
  • Scenario modelling for growth, funding, hiring, pricing, capital expenditure or market changes.
  • Cash flow forecasting and runway analysis.
  • Variance analysis and practical recommendations to keep performance on track.
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Cash flow and funding support


  • Cash flow planning and working capital management.
  • Support with finance applications, lender reporting and funding discussions.
  • Financial modelling for debt, equity or reinvestment decisions.
  • Preparation of financial information for investors, banks or other stakeholders.
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Finance function leadership
and resourcing

  • Oversight and mentoring of internal finance teams.
  • Review of finance roles, responsibilities, workflows and reporting cadence.
  • Short-term finance leadership support during periods of growth, transition or staff absence.
  • Uplift of controls, month-end processes, reconciliations and management reporting.
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Systems, processes and reporting uplift

  • Review and improvement of accounting systems, reporting tools and finance processes.
  • Cloud accounting, dashboard and automation recommendations.
  • Design of reporting frameworks that improve visibility, accuracy and efficiency.
  • Practical process improvements to reduce manual work and improve confidence in the numbers.
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The Stannards Difference

The Stannards Difference

CFO-level insight without full-time overhead
Clients access senior financial leadership, strategic input and decision support in a flexible model that scales with their needs.
Board-ready reporting and commercial clarity
We turn financial data into clear reporting, meaningful KPIs and practical actions for owners, executives and boards.
Forward-looking financial management
Our focus is on forecasting, scenario planning, cash flow visibility and risk management, not just historical results.
Integrated finance function support
Integrated finance function support
Practical, hands-on partnership
We work alongside leadership teams to improve confidence, accountability and financial discipline as the business grows or changes.

Meet our specialists

Jonathan Kress

Business Services

Director

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Fabian Lapolla

Business Services

Director

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Our people

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