Cash flow & working capital
Forecast cash, tighten the cash-conversion cycle and release capital trapped in receivables, payables and inventory.
UK · US · Europe
Senior CFO experience. India pricing. Available to your business, anywhere.
UK finance directors cost £110k–£220k all-in. US CFOs run $195k–$364k. European FDs €110k–€200k. BizFractional delivers the same calibre of senior financial leadership, trained inside global majors, IFRS-fluent and English-first, as a flexible monthly engagement at a fraction of the cost.
The cost arithmetic
The difference is the cost, not the capability.
All-in annual cost of a senior finance hire versus a BizFractional retainer of two to four days a month.
| Market | All-in cost of a local CFO or FD | With BizFractional |
|---|---|---|
| United Kingdom | £110,000 – £220,000 | 70–85% saving |
| United States | $195,000 – $364,000 | 75–88% saving |
| Europe | €110,000 – €200,000 | 70–85% saving |
Local costs include salary, employer taxes, pension or 401(k), benefits, bonus and recruitment fees. Ranges are indicative for growth-stage businesses.
What you get
The full CFO remit, delivered remotely.
MIS & management reporting
Monthly MIS, KPI dashboards and review packs that turn raw data into management insight, with the top three to five actions for next month made obvious.
Budgeting & forecasting
Annual budgets broken into monthly targets, rolling forecasts and scenario planning, so leadership always has a forward view and a plan.
Profitability & margin improvement
Find exactly where you make money and where you quietly lose it: product, customer, project and channel profitability, pricing and cost structure.
Internal controls & governance
Financial SOPs, approval matrices, maker-checker controls and review mechanisms that cut leakage and let you scale safely.
ERP & finance process transformation
Finance process design, ERP reporting alignment, chart-of-accounts structuring and automation that removes manual effort and speeds up the close.
Fundraising and capital-raising advisory is offered to India-based businesses only. For UK, US and European clients we prepare investor and lender reporting and support diligence, working alongside your local advisers.
Where the experience comes from
Trained inside the world's largest energy and data companies.
Schlumberger
World's largest oilfield services company, NYSE:SLB. Ten years across Malaysia, Russia, Romania and Dubai: multi-entity consolidations, tax integration across 25 countries, business control for a fast-expanding region.
Weatherford
NYSE:WFRD, oilfield services in 75+ countries. CFO for Iraq and Turkmenistan through the oil-price collapse and regional conflict: liquidity protected, balance sheet cleaned, first positive top line in seven years.
Shell
FTSE-listed energy major. Performance analytics and FP&A transformation for Integrated Gas and New Energies.
Equifax
NYSE:EFX, global data analytics. CFO and board member for emerging-market businesses: governance, reporting and data-driven automation across multi-country operations.
Chartered Accountant (ICAI)MBA, Manchester Business SchoolIFRS-fluent, multi-entity consolidations30+ countries of operating experience
In their words
Trusted across 30+ countries by CFOs, GMs and area directors.
Iraq delivered for the first time in 7 years a positive top line. Harish played an important part, and was very resourceful in protecting and cleaning our balance sheet. I like to think you will not take a big risk in hiring Harish.
I would work for, with or recruit him. He took the team from OK performers to top regional performers. Improved AR efficiency was a material metric.
Harish is not scared of asking the big WHY and always tries to find a lean approach to his work. Working outside his home region has shown how strong he is in international environments.
Choose your market
Guides for UK and US businesses.
Outsourced CFO and virtual Finance Director for UK businesses
Full UK cost breakdown, how the hybrid model works with your UK accountant, and the ICAI-to-ACA comparison.
Outsourced CFO and virtual CFO for US and Canadian businesses
US CFO all-in costs, working alongside your CPA, and East Coast morning availability.
Common questions
Frequently asked questions
Can an India-based CFO handle IFRS and UK or US reporting?
Yes. Indian Accounting Standards are closely aligned with IFRS, and senior Indian CAs routinely prepare IFRS-compliant reporting. Our founder's career at Shell, Schlumberger, Weatherford and Equifax involved multi-entity consolidations across 30+ countries. For US GAAP specifics and statutory filings we work alongside your local CPA or accountant.
How does the time zone work?
India is four and a half to five and a half hours ahead of the UK and nine and a half hours ahead of US Eastern. We hold a fixed window for UK afternoons and US East Coast mornings, and most work is asynchronous with a weekly review call.
How is the ICAI qualification compared with ACA, ACCA or CPA?
In rigour it is broadly equivalent, and its final-level pass rate consistently sits below 10%, among the lowest of the major accounting qualifications. Add 25 years inside global majors and the experience matches a senior UK or US finance director.
What does it cost?
Typically 70–85% less than an all-in local CFO or finance director hire, for a flexible monthly retainer of two to four days. We quote a fixed monthly fee after the strategy call.
Next step
Twenty-five years of global finance leadership, on a flexible retainer.
Book a 30-minute call in your time zone. We will tell you honestly whether a remote CFO fits your business.