Know your numbers. Make confident decisions.
We help SME owners get clarity on cashflow, forecasting and the financial information they need to make big decisions with confidence, and without surprises.
Profitable on paper. Tight in the bank.
Your P&L says the business made money last quarter. Your bank balance doesn't feel like it. Payroll day is stressful. A big invoice gets delayed and suddenly the whole month looks different.
You've got decisions to make, hiring, investment, new contracts, and no clean way to test them against the numbers.
Most SMEs don't lack data. They lack clarity. We help you fix that.
What we do
We offer a range of services to meet the needs of every client. Have something else in mind? We'd be happy to work with you to create a custom quote.
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Building a working cashflow model you can actually use, one that shows you 13, 26 or 52 weeks ahead, updates without heroics, and flags pressure points before they become problems.
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Stress testing the big decisions before you commit. What happens if you land the contract. What happens if you don't. What if you hire, invest, or stretch to acquire. Numbers that support the conversation, not replace it.
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Designing the monthly and quarterly reporting that actually tells you how the business is doing. Clear, fast, and focused on the metrics that drive decisions.
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Packaging financial information for banks, investors or funders. Clear narrative, clean numbers, no surprises.
Finance is your fuel gauge.
A car without a fuel gauge can still drive. Until it can't.
Financial clarity is the fuel gauge and the rev counter of your business. It tells you whether you've got runway, whether you're revving too hard, and whether the next gear will pull or stall.
We don't replace your accountant. We work alongside them, and alongside you, to make sure the numbers you have are the numbers you need to make decisions.
Built from real experience
The team has worked on commercial finance and performance across a range of business types and scales. This has included:
Financial modelling and scenario planning for a major UK engineering business, including a £5m front-end engineering study where pricing, risk profile and commercial structure shaped the winning proposal
Four scenario production scale-up modelling for an early-stage construction technology business, running cashflow, unit cost and working capital implications from pilot through to commercial volumes
Monthly financial and performance reporting for a UK professional services business, building the framework that turned raw transaction data into decision-ready information
Deal analysis and scenario modelling for a property investment portfolio, covering mortgage, investor and bridging finance structures with a 52-week cashflow model
Integration work between project planning, cost control and management reporting systems so the commercial picture stays joined up as the business scales
The common thread is the same across all of them: know the numbers well enough to sleep at night, and well enough to act when the moment comes.
Who this is for?
This service is right for you if:
You're a founder-led SME between £500k and £10m turnover
You have an accountant but still feel in the dark on cashflow
You're about to make a big decision (hire, invest, acquire, raise) and want to test it first
Your reporting is slow, manual or gives you the wrong answers
You want to know the numbers, not just outsource them
If that sounds familiar, let's have a conversation.
Ready to see the numbers clearly?
The first call is free and there's no commitment beyond it. We'll listen, look at what you currently have, and help you work out where the gaps are.
DISCLAIMER
PeakRatio provides commercial financial support for businesses, including cashflow modelling, forecasting, and management reporting. We do not provide regulated financial advice. For investment, mortgage, pension or insurance advice, please consult an FCA authorised adviser.