Per month for business owners.
On all reconciled transactions.
Faster scaling with clear financials.
Industry Challenges We Solve
Specific industries face specific financial hurdles. We understand the context of your sector.
Founder burnout from late-night admin
Cash flow surprises
Late penalties from SARS
Lack of visibility into profitability
Unreconciled debtors and creditors
Payroll and VAT records that do not agree to the books
"Moving from annual catch-ups to monthly management accounts gave us the visibility we needed to secure funding."
Use Cases
- Businesses with R1m - R50m turnover
- Teams growing beyond 5 employees
- Founders needing to step back from admin
Prerequisites
- Bank Feed Access
- Cloud Accounting Access
- Payroll Data
- Latest VAT and PAYE Returns
- Debtors and Creditors Lists
Services Included
- Monthly Management Reports
- Full Payroll Function (Payslips, EMP201)
- VAT201 Submissions
- Annual Financial Statements
- Cash Flow Forecasting
- Tax Planning Sessions
- Debtors and Creditors Review
- Month-End Close Checklist
- Owner Drawings and Director Loan Review
Compliance & Context
Our processes support IFRS for SMEs, SARS filing requirements, PAYE and UIF administration, VAT record keeping, and the Companies Act records a growing company needs before year-end, funding applications, or a SARS query.
A growing SME usually needs a monthly rhythm before it needs a large finance department. The core routine is simple: bank accounts reconciled, VAT reviewed, payroll posted, debtor and creditor balances checked, and management reports prepared while the month is still fresh.
That routine gives the owner a reliable view of margin, cash flow, tax exposure, and staff costs. Without it, growth can hide weak collections, old supplier balances, VAT pressure, or owner drawings that have not been reviewed properly.
- Bank, VAT, payroll, debtors, and creditors reviewed monthly
- Management accounts prepared before decisions go stale
- Owner drawings and director loan accounts monitored
Many SMEs do not need a new accounting system first. They need the old file cleaned, control accounts reconciled, missing documents identified, and recurring exceptions made visible. Once the file is stable, the monthly close can run with fewer surprises.
We separate historical cleanup from the live month so current trading does not keep mixing with old problems. That makes VAT, payroll, annual financial statements, tax returns, and management reporting easier to trust.
- Historical errors separated from live monthly work
- Old balances and suspense accounts cleared deliberately
- Reports built around decisions the owner actually makes
How We Work
A structured approach designed for your industry.
We review bank feeds, VAT history, payroll records, debtors, creditors, loan accounts, and year-end risks before changing the monthly process.
We fix historical errors, reconcile control accounts, clear misallocated transactions, and organise the source documents needed for SARS or annual financial statements.
We implement cloud tools such as Xero, Sage, and Dext where they reduce manual capture without removing the review controls a growing SME still needs.
We run a monthly close covering bank reconciliations, VAT checks, payroll journals, debtor follow-up, creditor balances, and management reporting.
We meet quarterly to review margins, cash flow, tax exposure, staffing costs, and practical next steps for the next stage of growth.
Specialist Insights
Comparing monthly performance against targets is the single best habit for sustainable growth.
Outsourcing finance allows the founder to focus entirely on product and sales.
Growing SMEs usually need better month-end controls before they need a full internal finance department.
VAT, payroll, and debtor follow-up should be reviewed together because they all affect the same cash position.
A clean month-end close gives owners enough visibility to fix margin, stock, staffing, or collection issues early.
Debtors and creditors are management tools, not just accounting schedules, because they show where cash is stuck.
The finance process should scale before transaction volume forces the owner back into reactive admin.
Common Questions
Is this cheaper than hiring a full-time accountant?
Typically, yes. You get access to a team of experts across bookkeeping, tax, payroll, and accounting review for less than the cost of one junior employee. It also avoids leave cover, supervision, software, and training overhead.
How involved do I need to be?
We aim to minimize your admin time. Once setup is complete, you mainly approve payments, answer exceptions, and review reports. The key is a consistent monthly rhythm so questions are handled while transactions are still fresh.
Can you handle PAYE and UIF?
Yes. We manage the full payroll cycle, including all SARS and Dept of Labour submissions.
Can you clean up historical bookkeeping first?
Yes. We usually start with a cleanup phase if the records are behind before moving the business onto a monthly cycle. That can include bank reconciliations, VAT control accounts, payroll journals, suspense accounts, and missing source documents.
Do you prepare monthly management accounts?
Yes. We prepare management accounts so owners can review profit, cash flow, VAT, payroll, and key movements before year-end. The aim is to make decisions while there is still time to act, not months after the problem started.
What changes when an SME registers for VAT?
The bookkeeping needs tighter invoice capture, valid tax invoice checks, VAT control account reviews, and regular reconciliations. Poor records after VAT registration usually create penalties, missed input claims, or cash flow shocks.
Can you support funding or bank applications?
Yes. Current management accounts, tax compliance, payroll records, and annual financial statements give banks and funders a clearer view of the business. We focus on records that can stand up to review.
What should a monthly close include for an SME?
A useful close includes bank reconciliations, VAT checks, payroll journals, debtor and creditor review, owner loan account review, fixed asset updates, and a management report. It should show what changed and what still needs attention.
Can you manage debtors and creditors reporting?
Yes. We can maintain debtor and creditor schedules, flag overdue balances, reconcile supplier statements, and help the owner see which cash movements are real. This is important when sales look strong but collections are slow.
How do you reduce SARS penalty risk?
We reduce penalty risk by keeping bookkeeping current, matching payroll and VAT to the accounting records, checking filing calendars, and resolving exceptions early. The main control is routine, because rushed submissions create avoidable errors.
Do you work with existing Xero or Sage files?
Yes. We review the current file, chart of accounts, bank feeds, user access, VAT setup, payroll links, and reporting categories. If the system is usable, we improve it instead of rebuilding from scratch.
What if the business is not ready for a full finance hire?
That is usually the right stage for outsourced support. We provide monthly structure, review, and reporting without the cost and management burden of hiring, training, and supervising an internal finance role too early.
How do you help owners see margins by product or team?
We can adjust the chart of accounts, tracking categories, and reporting packs so revenue and costs are grouped in a way the owner can actually use. This helps identify weak margins before growth hides the problem.