Scale Services
Financial Planning
& Analysis
Decisions made without reliable forward-looking financial analysis are guesses dressed as strategy. Most SMEs lack the FP&A function that turns data into decisions — Consult EFC provides it at a fraction of the cost of an in-house hire.
We build three-way financial models, rolling forecasts, scenario analyses, and board-ready reporting packs for UK SMEs and SaaS companies. Led by Kishen Patel, ICAEW ACA, Big Four trained with investment banking modelling experience.
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Kish reviews every enquiry personally
Why FP&A Matters
The difference between a business that reacts and one that leads
FP&A is not bookkeeping. It is the analytical engine that tells you what to do before the problem arrives rather than after it has already cost you money.
01
No model means no visibility on runway
Without a three-way model, you cannot answer the most basic question a founder or board member faces: how long does our cash last if revenue grows slower than planned? The answer to that question determines almost every other decision.
02
Forecasts that are built once and never updated
A forecast that is prepared in November and never revisited is not a planning tool — it is a historical document. Good FP&A means rolling forecasts that reflect what has actually happened and what the business actually expects.
03
Investors cannot interrogate your numbers
When a VC, PE firm, or strategic investor stress-tests your projections and the model breaks, the deal slows or dies. Investor-grade FP&A means building models that hold up to every question before the investor asks it.
04
SaaS metrics that cannot be traced to revenue
ARR, MRR, churn, NRR, CAC, and LTV are the language of SaaS investment — but if they cannot be reconciled to statutory revenue, sophisticated investors will discount every number you present.
What We Deliver
Six FP&A capabilities
Most engagements begin with a financial model build and expand into a full FP&A capability as the business grows.
Three-Way Financial Modelling
Integrated P&L, balance sheet, and cash flow that reconcile automatically. Built to Big Four standards with clear assumption inputs, scenario toggles, and outputs designed for investor scrutiny.
Rolling Forecast Process
Replace the once-a-year budget with a monthly rolling 12-month forecast. Actuals flow in automatically, variances are explained, and management always has a current picture of expected performance.
Scenario & Sensitivity Analysis
Base, upside, and downside cases built into the model. Sensitivity tables that show the impact on cash and EBITDA of changing key assumptions — revenue growth, gross margin, headcount, and working capital.
Fundraising Financial Models
Models built specifically for VC, PE, and debt raising — with return analysis, valuation methodology, use-of-proceeds schedules, and the scenario architecture investors expect to interrogate.
SaaS Metrics & Unit Economics
ARR, MRR, gross and net churn, NRR, CAC, LTV, and Rule of 40 — all reconciled to statutory revenue and presented in the investor-grade format that VC and PE diligence teams expect.
Board & Investor Reporting
Monthly board packs and investor update packs that combine financial performance, forecast, and strategic commentary — structured to answer the questions a board or investor will ask before they ask them.
Why It Matters Who Builds Your Model
The quality of the model reflects the quality of the adviser who built it
A financial model built by a Big Four-trained ICAEW Chartered Accountant carries a different weight in a due diligence process, an investor meeting, or a board presentation than one built by a bookkeeper or a generalist consultant.
Kishen Patel trained in structured financial modelling at a Big Four firm and has applied that methodology to investment banking transactions, VC fundraises, and M&A processes across a range of sectors. Every model Consult EFC builds is structured, auditable, and built to hold up under interrogation.
Verify ICAEW membershipCommon Questions
Frequently asked questions
If your question is not below, book a free call and we will give you a straight answer.
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Tell us what decisions you need your numbers to drive
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Kish Patel ACA
ICAEW Chartered Accountant • Founder, Consult EFC
"I have sat across the table from investors and seen what they do to a model that has not been built properly. The first question is always the one that breaks it. We build models so that question never lands."
Big Four Model Standards
Every model is structured, colour-coded, and auditable to the standard investors and lenders expect.
Fixed Fee — No Surprises
Scope and cost agreed before any work begins. No hourly billing or scope creep.
Kish Leads Every Engagement
No junior analysts. The person who scopes the work builds the model and presents the output.
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