Fractional CFO for growing businesses
You've built it on instinct and hard work. Now grow it on numbers.
A strategic partner to build the numbers behind every decision your business is facing — big or small — only when you need it.
Vittorio SantagostinoChartered Accountant · CFA CharterholderFounder & Fractional CFOYou work directly with me, which is why I only accept a handful of clients at a time.
Proud to have worked with
$200m+
Supported in capital raised
10+
Years in institutional finance
14
Engagements since 2025
Hundreds
Of models built and reviewed
Sound familiar?
You are venturing into uncharted territory.
Based on numbers you're not sure about.
Calculated by you. At 2am. On your own.
The problem
Every big decision is mired in doubt and uncertainty.
Cash is tight in months the P&L says were good, and nobody can tell you why.
The next hire is a gut call you've been putting off for a quarter.
You have no idea what a price increase might do to your bottom line.
The bank said no and gave you nothing to work with.
The solution
A senior finance partner guiding you through every call.
You know where every pound is tied up, and how to get it back.
You know what the hire has to bring in, when to make it, and the month it pays for itself.
You know exactly how much volume you can afford to lose, and the optimal price to maximise your bottom line.
You know what a lender will test before you apply, and it's already fixed by the time you hit send.
Your bookkeeper records what happened. Your accountant files it. I work one layer up.
The process
A holistic approach. Tailored to your business.
Start with a conversation and go only as far as your business actually needs.
Every stage builds upon the previous one.
30 minutes · Free
We work out where you are, where you want to go, and how we can get you there. You'll get a straight answer either way, including if the answer is that you don't need me yet.
Scoping and pricing appropriate to your business
Where your numbers, reporting, margins and funding position actually stand: scored, written up, and ordered by what to fix first. It's a standalone deliverable. You can action the findings yourself or move on to the next step.
Scoped and priced upfront
The model, the forecast, the pricing rebuild, the lender or investor pack: whatever the audit says you need, and nothing you don't. Your business is now ready for a CFO — but don't worry if you're not. Price is fixed and agreed before I start.
Regular frequency appropriate to your business
Senior finance leadership by your side whenever you need it. Your numbers stay current, your funding plan stays live, so you can stop making the big calls on your own.
What I do
A true strategic partner who owns your numbers. So you can focus on what you do best.
All of it is aimed at the same thing: sharper decisions. Not more reporting, but the numbers behind the call actually in front of you, so the judgement stays yours, and it's an informed one.
Forecasting & Cash Flow Planning
Cash flow planning
A rolling forecast you actually trust. 13-week cash flow models, budget-vs-actual tracking, and scenario planning, including Monte Carlo simulation where appropriate, so a cash crunch or a funding need shows up months in advance rather than the week it happens.
Cash today
£42.0k
Lowest point
£31.2k
Week 9
Cover at the trough
3.0 wks
Of total outgoings
Range shown
80%
Net movement
+£19.4k
Over 12 months
13-week cash flow, with the range around it
Where the cash is tied up
- Owed by customers£21.8k
- Stock on hand£14.2k
- Tax due£9.4k
- Paid up front£3.6k
What lands, and when
- W2Quarter rent−£6.2k
- W5VAT payment−£9.4k
- W9Lowest point£31.2k
- W11Two large invoices due in+£14.6k
Running an institutional mandate?
I also serve funds, investment banks, and investment managers on complex valuations, underwriting, and deal models. If you need institutional-grade firepower, see the full InsightLayer offering.
Vittorio Santagostino
Chartered Accountant · CFA Charterholder
Founder & Fractional CFO
About
Ten years on the money's side of the table. Now I'll sit on yours.
For ten years my job was to decide what a business was worth, and then defend the answer. Portfolios worth hundreds of millions, taken apart line by line and marked every quarter in front of a FTSE 100 firm's committee and its auditors. You cannot do that without understanding what actually drives a business: which customers really pay, which margins hold under pressure, which growth is real and which is just an input on a spreadsheet.
Nothing you bring me will be harder than that. What changes now is the side I'm on. I'm not judging the business — I'm building it with you. Where your margin actually sits. What the next hire has to earn, and by when. Which growth you can fund and which one breaks you.
The judgement stays yours. The numbers behind it are mine.
Vittorio is an exceptional FP&A and financial modeling analyst and more importantly, a true strategic partner. We worked together on several complex projects that required not just technical skill, but real business judgment - things like restructuring service pricing, modeling out multi-scenario forecasts, and cleaning up messy assumptions. He's fast, thoughtful, and highly collaborative. I never had to over-explain things, he just got it. I'd absolutely work with him again and again!
For accountants, lenders and business support
The work your clients ask for that you'd rather not staff.
Accountants
Forecasts, three-statement models, valuations, fundraising packs. I do that work alongside you, not instead of you.
Lenders and brokers
When you decline someone, you have nothing to offer them. Send them to me instead: I run your own tests before they reapply, so the next application is approved instead of declined again.
Business support and growth programmes
Free clinics, workshops and one-to-one sessions on financial and funding readiness for the businesses on your programme.
Ready to start
Book your free financial review
No documents, no homework — bring the decision and we'll work from there. You'll see where you stand on screen before we finish.
Work with meSenior CFO leadership, without the full-time hire.