Project Based
Access fractional CFO consultancy precisely when you need it most. Whether you're diversifying products or territories, integrating an acquisition, optimising systems, covering short-term capability gaps, preparing for a business sale, or navigating an audit, our trusted expertise ensures you achieve your objectives with confidence.
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Turnaround
Facing pressures and challenges that impact cash flow and profitability? The expert guidance of a portfolio CFO can help navigate this critical period, mitigating risks and ensuring that each decision is a positive step forward.
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Scale Ups
Your business is expanding rapidly, but are your systems, controls, and plans equipped for growth? Are your margins and cash flow optimised? Do your plans and forecasts align with your investment needs? Are your commercial contractual terms favourable? Are your stakeholders confident? Benefit from experienced collaboration to refine your strategies and a sounding board for your ideas.
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Start Ups
At the early stages of your business, you may have basic in-house or external accounting support. While a full-time CFO isn't on the cards yet, strategic financial guidance can be invaluable. From setting up KPIs, controls, and cash forecasts to refining your systems, we provide the support you need. Our expertise also extends to enhancing your business case and pitch deck, helping you accelerate your progress and secure crucial funding.
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LUME SERVICES
Tailored portfolio CFO services when you need them most.
Experienced
Lume Finance was founded by Toby Stubbington FCA, driven by a passion to support SME owners, founders, and CEOs who tirelessly build their businesses, often in relative isolation without the benefits of a dedicated CFO or Finance Director. With over 25 years of experience in finance, accountancy, commercial and leadership, Toby has worked across start-ups to large corporations, adept at tackling challenges and seizing opportunities.
Purposeful
Lume Finance Consulting Limited is a registered firm of the Institute of Chartered Accountants in England and Wales. The name Lume was chosen it relates to light and also the fluorescence on watch hands, helping the time to be seen, in the dark. Our mission is to help businesses see their true numbers and performance, empowering them to shape their future confidently. Through fractional, or portfolio, CFO services.
Empowering
In many SMEs, CEOs and management teams wear multiple hats, often prioritising daily demands over building robust financial and operational plans. This can impact future success. Our portfolio CFO services bridge this gap, providing the strategic financial guidance you need.
Accelerating
Your existing external accountants and tax advisors provide many benefits however they are more likely to be focussed on year end accounts and tax computations or specific financial transactions. For companies being audited, these firms are restricted on how they can engaged, a portfolio CFO services are complementary and add value quickly, from Day one.
Enlightening
At Lume Finance, we are attentive and collaborative. We listen, advise, and challenge, knowing that strong relationships are built on trust and mutual respect. While we support companies remotely, our team of financial experts is readily available to assist businesses across London, Essex and the UK.
ABOUT LUME
SUPPORTIVE
PROACTIVE
AGILE
Strengths
Agile: Flexing to the specific conditions of your company and team, to add the right pragmatic advice at the right time.
Proactive: Envisioning next steps and plans so that each piece of advice and action works towards longer term objectives.
Supportive: Working together to achieve more, ensuring that the business operates autonomously with our input adding strength and resilience.
Approach
Onboarding, regular reviews and alignment on objectives are key, alongside gaining a sense of key team members and culture. We always reflect on our input against six key pillars: objectives, insight (KPI’s and performance), planning (profits and cashflow), systems, compliance and relationships.
Our experience extends across B2B and B2C businesses and across subscription services to transactional purchases, as well as regulated environments. We hone our approach to your business model.
Providing the insight to drive you forward