Services / Virtual CFO
Senior financial leadership.
Without the full-time cost.
Most growing Irish businesses need more than a bookkeeper but cannot justify a EUR 150k Finance Director. Our Virtual CFO service gives you management accounts, cashflow forecasting, and strategic financial advice — for a fixed monthly fee.
What is included
A Virtual CFO retainer gives you the financial insight and leadership of a senior finance professional, delivered monthly and tailored to your business stage.
- Monthly management accounts
- Cashflow forecasting (13-week rolling)
- Annual budget preparation
- KPI dashboard and reporting
- Board pack preparation
- Profitability analysis by product / service / project
- Investor reporting
- Funding readiness assessment
- Bank and lender liaison
- Strategic financial advice
- Tax planning integration
- Monthly financial review call
Virtual CFO vs full-time CFO
Full-time CFO salary (Ireland)
EUR 120k–180k/yr + pension + PRSI
Recruitment cost
EUR 15k–30k (agency fees)
Virtual CFO (Finlay Mulligan)
Fixed monthly retainer. No hidden extras.
Who our Virtual CFO service is for
Scaling SMEs
You have outgrown basic bookkeeping but cannot yet justify a full-time Finance Director at EUR 120k+.
Startups raising funding
Investors expect clean financials, credible projections, and a finance function that instills confidence.
Owner-managed businesses
You want financial insight to make better decisions — not just a set of accounts once a year.
Companies preparing to exit
Acquirers look at financial quality. A Virtual CFO gets your financials investor-ready before a sale process.
Virtual CFO FAQs
What is a Virtual CFO?
A Virtual CFO (Chief Financial Officer) provides senior financial leadership on a part-time or fractional basis. You get the strategic thinking of a full-time Finance Director at a fraction of the cost — typically through a fixed monthly retainer.
How is a Virtual CFO different from an accountant?
A traditional accountant focuses on compliance — tax returns, VAT, year-end accounts. A Virtual CFO focuses on the future — cashflow, performance, growth decisions, and helping you use your financial data to run a better business.
How much does a Virtual CFO service cost?
Less than hiring a full-time CFO (typically EUR 120k-180k salary + benefits). Our Virtual CFO services start at a fixed monthly fee agreed in advance — typically a fraction of a full-time hire, with no employer PRSI, pension, or recruitment costs.
Will I get the same person each month?
Yes. You have a dedicated senior accountant as your Virtual CFO, with a named contact and a fixed monthly call. Continuity is central to the service.
Can you help us prepare for investment or a sale?
Yes — this is one of the most common reasons businesses engage us. We prepare investor-ready financial models, tidy up historical accounts, and help you present your business in the best possible financial light.
Get a Virtual CFO quote
Tell us your company size, stage, and what you need financially. We will scope the right service and send a fixed monthly quote.