Built for UK SMEs · GBP-native

Know your cash, close your month, and walk into the board meeting ready.

Replace your patchwork of spreadsheets with one audit-ready platform for UK founders, finance managers and fractional CFOs — 13-week cash, month-end close, budgets and board packs. Group consolidation is there when you grow into it.

No card required · Full demo data included

Revenue (MTD)
£123,450
+12.4%
Cash on hand
£487,210
8.2 mo runway
Net Income
£28,900
+£3.1k vs budget
Everything you need

Everything a growing UK business needs from a finance function.

Start with cash, close and reporting on day one. Multi-entity consolidation is built in for the day your group needs it — not something you have to think about now.

Live dashboard

KPIs, runway, alerts and AI narrative in one view.

Automated 13-week cash forecast

Direct-method cash runway driven by your real AR collections and AP bill schedule.

Full P&L, BS & cash flow

Statutory layouts, drill-through to source entries.

Annual budget + rolling forecast

Set once, lock with approvals, re-forecast monthly.

AR & AP aging

DSO/DPO, overdue alerts and CCC computation.

Month-end close

Repeatable checklist, owner & due dates, RAG status.

UK compliance & audit trail

VAT, CT, PAYE and Companies House dates — every change logged.

Headcount planning

Salary, NI and pension by department with hiring plan.

Scenario modelling

Base / aggressive / conservative what-ifs in seconds.

Live bank & ledger sync

Secure feeds match actual cash balances against your forecast daily.

Group consolidation — when you need it

Grown into a group? Consolidate P&L and balance sheets across entities with automated FX translation.

Intercompany eliminations

For group structures: automatic net-zero elimination of internal trading and loan balances.

How it works

From zero to an investor-ready board pack in 30 minutes.

No complex enterprise onboarding cycles. Just connect, sync, and export.

STEP 01

1. Connect your ledger

Link Xero, QuickBooks, Sage or FreeAgent in one click with secure OAuth — or import your history from our Excel template if you'd rather not connect anything yet.

STEP 02

2. Review your live numbers

Your P&L, balance sheet, AR/AP aging and 13-week cash forecast populate immediately, with KPIs and alerts against your budget. Running a group? Add entities and consolidation runs automatically.

STEP 03

3. Inline Narrative & Export

Review your auto-generated 13-week rolling cash forecasts and financial commentary. Inline-edit paragraphs directly inside the preview workspace, then export to premium PDF or unstyled Word formats.

Security & trust

Your financial data, protected at the database layer.

MouCFO enforces access at the database — not just in the UI. The same rules apply whether you use the app, our API, or a direct SQL client.

Role-based access control

Row-level security scopes every financial table to your organisation. Viewer accounts stay read-only at the database, not just in the UI.

Tamper-proof audit log

Every material change is append-only. A database trigger forces the actor to the authenticated JWT identity — history cannot be forged.

Workspace isolation

Each entity is its own workspace with a hard org boundary. Cross-tenant reads and writes are structurally blocked.

Encrypted credentials

Xero, QuickBooks and Sage tokens are AES-256-GCM encrypted at rest. 256-bit TLS in transit. UK GDPR aligned.

Bank-grade security

Plans that scale with your team

Bank-grade security. Trusted by modern finance teams and fractional CFOs. Start free for 14 days.

Growth

For established businesses with internal finance teams.

£149/mo

billed annually — £1788/yr

  • Up to 5 users
  • Full P&L, balance sheet & cash flow
  • Annual budget + AI forecast
  • Board pack export (PDF)
  • UK compliance calendar — VAT, CT, PAYE & Companies House reminders
  • Audit trail
  • Priority email support
  • Bank-grade data encryption
  • Up to 3 entities
Most Popular

Scale

For finance teams, fractional CFOs and agencies.

£399/mo

billed annually — £4788/yr

  • Everything in Growth, plus:
  • Up to 15 users
  • 13-week cash forecast & scenario modelling
  • Custom KPI tracking & alert thresholds
  • AI-generated board commentary
  • Dedicated success manager
  • Multi-entity consolidation (up to 10 entities)

Enterprise

For complex corporate groups and custom setups.

Let's talk

Custom pricing tailored to your group

Contact Sales
  • Everything in Scale, plus:
  • Unlimited users
  • Custom API access & webhooks
  • Single Sign-On (SSO / SAML)
  • White-label client reporting
  • Dedicated accounting engineer
  • Custom SLA guarantees
  • Unlimited entities & group consolidation

Bank-Grade Security

256-bit encryption and GDPR compliant, safeguarding your financial data.

Expert Support

Priority access to dedicated finance platform experts and account setup assistance.

Seamless Integration

Connects securely with your existing major accounting ledgers.

Interactive demo · No signup

Click through MouCFO before you sign up

A live walkthrough of the dashboard, board pack export and 13-week cash forecast — all on real demo data.

Free consultation · No obligation

See MouCFO on your numbers

Book a 30-minute walkthrough. We'll load your last 12 months, wire up your KPIs and show you the board pack — no obligation.

Prefer to explore first? Start a free 14-day trial — no card required.

Frequently asked

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Ready to take control of your numbers?

Join finance teams who've replaced their spreadsheet chaos with MouCFO.