What FinThinkers does

Clear numbers, every week,
without the accountant silence.

Most owners get their books once a year and guesswork the other 364 days. FinThinkers reads your numbers, tells you the story they’re telling, and gives you one clear action. Simple language. No software to learn.

The gap nobody fills

Too busy to ignore your numbers.
Too lean for a CFO.

Bookkeeping alone
Cheap & silent

Records the past. Tells you nothing about what to do next. Goes quiet after filing season.

Where you sit
FinThinkers

A human clarity layer. Someone who reads your numbers weekly and tells you, in plain words, what they mean and what to do.

Fractional CFO
$2,500+/mo

Real guidance, but priced for $5M+ companies. Out of reach for an owner running the whole thing themselves.

Start here

The Clarity Audit

One deep read of where your business truly stands. Real profit after every cost, your actual cash position, your margins, your biggest risk, and your biggest opportunity. You get a jargon-free report and a walkthrough call, not a spreadsheet you’ll never open.

For example, if you run a Shopify or e-commerce store, that means your true margin after COGS, fees and payouts, plus which products and customers actually make you money. Run a different kind of business? The same clarity applies. We’ll read whatever numbers you have.

£250 one-time

Fair pricing for your region. Not currency-converted.

  • Deep read of profit, cash and margins
  • Your biggest risk and biggest opportunity, named
  • Plain language report, no jargon
  • Walkthrough call to talk it through

The audit pays for itself. Join any monthly plan after your audit and the full fee is credited to your first month. You only carry the cost if you just want the one-time read of where you stand.

Our promise. The audit delivers a complete written read of your numbers, your true profit, real margin, cash position and 90-day direction, your biggest risk and biggest opportunity, plus a walkthrough call. If we don’t deliver that, you don’t pay.

Book a call to start
The three ways we work together

Built around what you actually need.

1
The foundation

Clean Bookkeeping

Accurate, current books so every number after this one is trustworthy. For owners who are behind, doing it themselves and unsure, or who just want it off their plate. Each month you get a short plain-English summary of how the month actually went.

Transactions categorised Accounts reconciled Tax-ready records Monthly plain-Language summary
2
The weekly habit

Weekly Clarity Signal

One short message a week that keeps you on top of your money, with zero finance knowledge needed. Where your cash stands, what needs your attention this week, and what to do about it’s usually one thing, sometimes more. It’s the thing that means you’re never surprised by your own bank balance again. It comes built into our Clarity and Partner plans.

One weekly message (WhatsApp or email) Cash position What needs watching What to do about it
3
Flagship

Financial Advisory

For ambitious owners ready to improve profit and make bigger calls with real numbers behind them, not just record the past. A monthly deep-dive on profit, margins, pricing and cash forecast, plus a finance brain on call between sessions. CFO-level thinking, built for where your business is now, so you can make the decisions that get it to the next stage.

The sounding board, in practice: a supplier wants 50% upfront for a bigger order. Can you afford it without choking your cash? Message before you decide and you’ll get a clear, reasoned answer, not a guess.
Monthly profit & margin deep-dive Pricing guidance Cash forecast Product & customer profitability CAC, repeat rate & LTV Ask before any big money decision
What you actually receive

This is what clarity looks like.

No dashboards to log into. No reports you don’t have time to read. Just clear answers, in the format you already use.

Weekly Clarity Signal
Monthly Insight
Revenue£18,240 ▲ 12%
Cost of goods£7,510
Real profit£3,180 ▼ 6%
Cash in bank£11,900
True margin17.4%
The story: sales were up, but profit slipped because shipping costs ate the gain. You’re not in trouble. If shipping stays here, set free delivery to start at £45 so small orders stop eating your margin. We’ll talk it through on our call.
Cash Flow Snapshot
£8,420
Cash today · 90-day view
Tightest point: week 6 (£2,100). We flag it three weeks early so you can move a payment, not panic.
Flagship work A page from a real FinThinkers client review showing customer economics: one-time customers worth £51 versus repeat customers worth £188, with a retention value scenario.

One real page from a client review. Anonymised for sharing.

Inside Financial Advisory

The depth behind the decisions.

This is the actual work, not a mock-up. A clear read of where the money is really going, what’s working, what’s leaking, and exactly what to do about it, written for an owner, not an accountant. It’s the same depth behind the way we think about your numbers. The Advisory tier delivers this kind of thinking every month.

Read the full case study

How we start

From “no idea” to clarity in three steps.

STEP 01

A free 20-minute call

We look at your situation and name the one thing most worth your attention right now. No pitch, no obligation. You’ll leave with a clearer head than you came in with.

STEP 02

The Clarity Audit

One deep read of your real numbers, delivered as a jargon-free report and walkthrough. This is where we prove the shape of the problem with your actual data.

STEP 03

Ongoing clarity

Pick the plan that fits, from a weekly signal to full advisory. Set up takes a read-only bank feed and one kickoff call. Then it just runs.

Free

Want to see your cash flow right now?

Use our free cash-flow tool. Pop in your numbers and instantly see where your cash is heading over the next 90 days. Free to use, and no finance knowledge needed.

  • Enter it your way. Type figures in by hand, or import a CSV or Excel export from Shopify, Xero or QuickBooks.
  • See your runway. A clear projected cash-flow line shows where you’re heading, and where it dips.
  • Try a what-if. Drag the timeline to a planned purchase or payment and watch the line redraw, so you can see if you can afford it before you commit.
Check your numbers free
Your cash, next 90 days live preview
£8,420
cash today
Drag to test a purchase
Move the marker to any future date to see the effect on your balance.
Plans & pricing

Honest starting prices. No surprises.

Bookkeeping scales with how many transactions you run, so our service plans start from these anchors. We lock your exact number together on the call once we’ve seen your business.

Fair pricing for your region. Not currency-converted.

Most popular
Clarity
from£199/mo
Bookkeeping + weekly human clarity
Bring us your books. We keep them clean and keep you in the loop.
  • Clean Bookkeeping, done for you
  • Your Weekly Clarity Signal, by WhatsApp or email
  • clear monthly summary
  • Tax-ready records
  • We connect your accounts on the back end to deliver it
  • Optional: add your own live tool access for £49/mo
Book a call
Partner
from£499/mo
Everything in Clarity, plus advisory
A financial partner in your corner.
  • Everything in Clarity
  • Monthly profit & margin deep-dive
  • Pricing & cash forecast
  • Product & customer profitability
  • Ask before any big decision
  • Live tool access included free
Book a call
Software only · no service

Live tool access

Your own live access to your numbers. Connect your bank, Xero or Shopify once and it auto-syncs, so you can check your cash flow yourself, anytime. Works on its own, or add it to Clarity. Included free with Partner.

£49
per month
Book a call

Every plan starts with the free clarity call, so you only ever pay once you know exactly what you’re getting and what it costs. Final pricing is locked together on that call, never sprung on you later.

Still have questions? Read our FAQ.

In plain terms

What is FinThinkers?

FinThinkers gives small business financial clarity: plain-English help understanding your cash, profit, and margins, without needing to learn software or wait for an accountant once a year. It’s built for small and micro business owners who want to know where their money stands and what to do next.

Instead of leaving you to figure out the numbers alone, you get a real person reading them each week and telling you the one thing that matters, plus clean bookkeeping and CFO-level advisory when you need it. Prefer to watch your cash yourself? An optional live tool lets you do that too. The result is simple: small business financial clarity you can act on, at a price built for an owner, not a finance department.

Questions, answered

Frequently asked questions

Do you replace my accountant?
No, and we work happily alongside one. FinThinkers handles bookkeeping, clarity and business financial guidance. Formal tax filing stays with a registered accountant or tax agent. Many owners keep their accountant for year-end and use us for the day-to-day clarity they were missing the rest of the year.
How much does it cost?
Service plans start from £199/$279 a month for Clarity (bookkeeping plus a weekly clarity signal) and from £499/$699 for Partner (everything plus advisory). A one-time Clarity Audit is £250/$300, credited back if you join a plan. The optional live tool is £49/$59 a month. Your exact number is set together on a free call once we’ve seen your business.
What is the Weekly Clarity Signal?
One short message a week, by WhatsApp or email, that tells you where your cash stands, one risk to watch, and one action to take. A real person reads your numbers and sends it, so you stay on top of your money without learning any software.
Do I need to be a Shopify or e-commerce business?
No. Shopify and e-commerce owners are a great fit because profit is easily hidden by fees and COGS, but the same clarity applies to any small or micro business. We’ll read whatever numbers you have.
What does the free tool do?
It’s a free cash-flow tool you can use yourself: enter your numbers or import a CSV/Excel export from Shopify, Xero or QuickBooks, and see where your cash is heading over the next 90 days. There’s also an optional paid version that connects to your bank or accounts and stays live automatically.
How do we get started?
Start with a free 20-minute clarity call. We’ll look at one real problem in your business and you’ll leave with something useful either way. If it’s a fit, the next step is the Clarity Audit, then a plan that suits you. No pressure, no prep needed.
A clear note on what we do. FinThinkers provides bookkeeping, clarity, and business financial guidance, covering profit, pricing, cash, margins and decisions. We are not a regulated accountant or tax agent. We do not file tax returns and do not give regulated financial or investment advice. We prepare and clarify your numbers; formal filings go to a registered accountant, and we’re happy to work alongside yours.

See your numbers clearly.

Start with a free 20-minute call. We’ll look at one real problem in your business and you’ll walk away with something useful, whether or not we ever work together.

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