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Build a finance function that scales; without hiring risk, high fixed costs, or burnout

We help fractional CFOs, scale-ups, SMEs, and accounting firms to unlock execution capacity by taking ownership of finance operations so senior leaders can focus on strategy, growth and value creation.

Book a 20-minute Finance Capability Call

Who This Is Built For

Fractional CFOs

Deliver impact faster without building a full in-house team.

Start-ups & Scale-ups (Pre-/Post-Funding)

Investor-ready finance without premature senior hiring.

SMEs modernising finance with AI

Move from manual processes to scalable, insight-driven finance.

Accounting Firms & Accounting-Led Businesses

Scale client delivery without margin erosion or partner overload.

The Problem We Solve: The Capacity Ceiling

Most finance organisations are not limited by demand but by execution capacity:

  • Hiring is slow, expensive, and risky
  • 60–80% of finance effort is still operational
  • Senior talent is consumed by review, fixes, and firefighting
  • Margins compress as salary costs rise
  • Growth stalls and leadership bandwidth disappears

Our Solution: The Invisible Finance Execution Layer

We operate as an embedded extension of your team, owning execution while you retain control.

How it works:

  • Work delivered under your brand, templates, and standards
  • Fully embedded into your tools and workflows (ERP, accounting stack, reporting)
  • Review-ready outputs — you approve, we execute
  • Flexible capacity that scales up or down with demand

Your stakeholders experience you.
We stay invisible.

What We Handle

Daily Operations

Bookkeeping & reconciliations

Close & Compliance

Month/quarter-end close, working papers

Management Reporting

FP&A drafts, performance packs

Audit & Fundraising Support

Schedules, documentation, readiness

Special Projects

Data clean-ups, process fixes, system migrations

Service Models

Starter

Monthly bookkeeping, reconciliations & reporting Best for stable SMEs or early-stage finance needs

Growth

Weekly accounting, FP&A support, client-ready packs Best for scale-ups and stretched finance teams

Scale

Multi-entity delivery, portfolio reporting, transactions & projects Best for PE-backed firms, accounting firms, and complex environments
Capacity flexes with seasonality, growth, and complexity.

The Result

  • Onboard more clients or scale operations without increasing fixed costs
  • Protect margins despite rising salary pressure
  • Reduce CFO / founder / partner overload
  • Shift finance from production to advisory
  • Build a scalable, AI-ready finance backbone

Why XFactor

Finance-led leadership (CA / CMA background)

Big-4 & Global GBS process discipline

Secure, GDPR-aligned delivery

Europe leadership + India execution teams

Variable-cost model — zero hiring risk

Book a 20-minute Finance Capability Call