Finance as a Service
for B2C companies
Increase the financial performance of your B2C company with our specialized financial services.
Increase sales and improve customer experience by simplifying and streamlining your financial processes. Discover how we can help you work more efficiently and increase your sales.
Experience from 350 projects.
Quantifiable successes for
CFO as a Service
Draw on our financial expertise and see how precise analysis and tailored solutions help your B2C company achieve demonstrable success.
Our experts work closely with you to optimize your financial processes and secure sustainable results.
Situations for Finance as a Service
Our Know How
Our experience spans 350 projects, including interim mandates and consulting projects such as digitalising a finance department. This includes working with common finance tools, from accounting and controlling to reporting.
Up to 80% of your consulting costs as a grant – we handle the application
Depending on where your business is based, the grant is 80 percent (up to €2,800) or 50 percent (up to €1,750) of the eligible consulting costs. It is calculated on the assessment basis of at most €3,500, not on the total project cost. We check which rate applies to your location in advance – and we take care of the application.
- We check whether you are eligible
- We take care of your application
Here is an example
Where is it hurting in finance right now?
Our Partners & Collaborations
Carefully selected to create synergies that provide real added value to our customers. We work hand in hand with leading experts and organizations to ensure innovative solutions and exceptional service.
CFO as a Service process
Initial consultation and needs assessment
The process starts with an initial consultation, in which we understand and analyze the specific needs and goals of your company. Based on this information, we develop an individual financial service plan that is tailored exactly to the requirements and challenges of your company.
Implementation of financial systems and processes
After defining the scope of services, we implement the necessary financial systems and processes. This includes implementing accounting software, setting up accounting frameworks, and integrating financial management tools specifically designed to help young companies grow.
Ongoing support and optimization
We offer continuous support and regular financial reviews to ensure the financial health of your business. Through ongoing advice and adaptive financial strategies, we help you to respond effectively to changes in the market and in your company development and always make optimal financial decisions.
What is different about finance in a B2C company
Many small transactions call for automation
Consumer business produces hundreds or thousands of postings a day across a range of payment methods. Manual processing does not scale here. The leverage lies in automated matching of incoming payments, clear rules for credit notes and cancellations, and a reconciliation that runs daily rather than monthly.
Customer value instead of the single sale
Whether a new customer is profitable is rarely decided at the first purchase. You need a cohort analysis that sets repeat purchase rate, order value and acquisition cost against each other over time. Only then does it become clear how much marketing budget is justified – and whether growth improves or worsens the result.
Seasonality in liquidity planning
B2C business is rarely evenly spread. Stock and marketing are pre-financed weeks before the revenue arrives. Liquidity planning based on monthly averages misses exactly the weeks when things get tight. A weekly rolling plan covering at least two quarters is the sensible approach.
Typical starting points in consumer business
The month-end close takes too long
Thousands of individual postings and several payment methods turn the close into legwork. Automated matching and daily reconciliation shorten it from weeks to days.
Marketing budgets are decided without customer value
Without a cohort calculation it is unclear how much a new customer contributes over their lifetime – and therefore what acquisition price is justifiable.
Seasonal peaks hit liquidity unprepared
Stock purchasing and campaigns run weeks ahead of the revenue. A weekly rolling plan makes that gap visible before it opens up.
FAQ
Why does the monthly close take so long in a consumer business?
Because hundreds or thousands of transactions arise every day across several payment methods and are processed manually. Automated matching of cash receipts, clear rules for credit notes and cancellations and a daily reconciliation cut the close from weeks to days.
How much may a new customer cost?
That can only be answered once you know what a customer brings in over their lifetime. What is needed is a cohort calculation that sets repeat purchase rate, order value and acquisition cost against each other over time. Without it, marketing budgets are decided blind.
How do you tell whether growth improves the result?
Whether a new customer is profitable is rarely decided at the first purchase. Only the cohort view shows whether additional marketing budget lifts the result or just revenue – and at which acquisition price it tips over.
How do you plan liquidity with strong seasonality?
Pre-financing of stock and marketing falls due weeks before the sales. A liquidity plan on monthly averages overlooks exactly the weeks in which it gets tight. What helps is a weekly rolling plan that makes this gap visible before it arises.
What can be automated with thousands of small transactions?
Matching cash receipts, handling credit notes and cancellations by fixed rules, and the daily reconciliation of payment methods. Manual processing does not scale in B2C – the effort grows in line with the business.
When does Finance as a Service pay off in B2C?
When the close is regularly late, marketing decisions are taken without a customer value calculation, or seasonal peaks surprise the liquidity. In the first call we clarify which of the three should be tackled first.