Coco Fowell | Accountant for Small & Medium Businesses

Profit is on paper. Cash is in the bank.

I keep the books, close the month and explain the numbers for small and medium-sized businesses, from online shops and wholesalers to hair and nail salons, studios, agencies and AI service providers, so you always know how much money you will have, and where it is stuck.

Qualified accountantMBA in Financial ManagementBuilt & sold my own e-commerce brandXero certified

	Wk 9	Wk 10	Wk 11	Wk 12	Wk 13
Cash in	4,700	8,700	9,900	9,100	6,400
Cash out	4,680	8,700	2,980	20,950	5,090
Closing cash	19,370	19,370	26,290	14,440	15,750
Your buffer	15,000	15,000	15,000	15,000	15,000

Wk 9

Wk 10

Wk 11

Wk 12

Wk 13

Cash in

4,700

8,700

9,900

9,100

6,400

Cash out

4,680

8,700

2,980

20,950

5,090

Closing cash

19,370

26,290

14,440

15,750

Your buffer

15,000

Working formulas built in. Every template is a ready-to-use spreadsheet: type in your own numbers and the totals, warnings and charts update themselves. No formula skills needed.

13-Week Cash Flow Forecast

The same weekly cash view I used in my own brand, built for small and medium-sized businesses, with extra lines for stock if you sell products. Enter what you expect to come in and go out, and it shows your cash in the bank for every week of the next quarter, with a red warning the moment you dip below your safety buffer.

Start HereA 10-minute setup guide and tips from running my own e-commerce brand.
InputsYour opening cash, start date, currency and safety buffer.
Forecast13 weeks of cash in and out: sales, card and marketplace payouts, wages, rent, ads, and stock if you hold it. Includes a summary and a chart.
Stock CheckYour inventory days, and how much cash you could free up from your shelves.

Preview of the 13-week cash flow forecast with example figures, a red warning in week 12 and a chart — The Forecast tab, with example figures. Click to enlarge.

$29 one-time · instant download

Shops, salons, studios, agencies and online sellers

Working formulas built in: you only type your numbers

Works in Excel and Google Sheets, any currency

Example numbers included, so you see how it works first

Buy the template

Secure checkout. The file is emailed to you straight after payment. Buy all six in the Owner's Finance Kit for $79.

More templates

Know your margins

Product Profit Calculator

The real profit on every product after marketplace fees, payment fees, freight, packaging, returns and ads. Ranks your products and gives the price you need for your target margin.

$19Buy

Preview of the budget vs actual monthly check with on track, watch and off track labels

Stay on track

Budget vs Actual Pack

Your 12-month budget and actuals side by side, with a one-page monthly check: each line on track, watch or off track, for the month and the year to date.

$24Buy

Preview of the stock and reorder planner showing reorder and slow-moving flags

Free up cash

Stock & Reorder Planner

Weeks of stock left for every product, when to reorder, how much, the cash you will need, and which products are moving too slowly.

$24Buy

Preview of the invoice tracker with age bands, a chart and chase-now flags

Get paid faster

Invoice & Payment Tracker

Who owes you, how much and for how long, sorted into age bands with a "chase first" name. Includes a friendly reminder email you can copy.

$15Buy

Preview of the break-even calculator with price scenarios

Price with confidence

Break-Even & Pricing Calculator

The sales you need each month to cover your costs and hit your profit goal, and what a discount or price rise really does to the orders you need.

$15Buy

Best value

The Owner's Finance Kit

All six templates in one download, every one with working formulas. Worth $126 bought separately.

$79Buy the kit

Your books, done properly, every month.

Fully remote, fixed monthly fees, in English or German. I work in the accounting software you already use, including Xero, QuickBooks, DATEV and Odoo. Whether you sell products or services, I understand how money moves through your business: I have worked for companies with turnover in the millions, and I built and ran my own.

Monthly Bookkeeping

from $350 per month

Bank and card reconciliations
Sales, purchase and expense entries
Card, booking and online shop payouts matched
Monthly report on your profit, cash and costs

Hire me for bookkeeping Up to 150 transactions a month

Month-End & Management Accounts

from $650 per month

Month-end close with accruals and adjustments
Profit and loss, balance sheet and cash flow
13-week cash forecast kept up to date
Monthly review call with clear commentary

Hire me for monthly accounts Includes bookkeeping review

Invoicing & Credit Control

from $250 per month

Customer invoices sent on time
Friendly, firm chasing of late payers
Supplier bills checked and ready to pay
A weekly list of who owes you

Hire me to get you paid Agencies, service providers and B2B sellers

Year-End Pack for Your Tax Adviser

from $450 one-off

Books cleaned up and reconciled for the year
Stock count and valuation checked
Trial balance and supporting schedules
Everything your tax adviser asks for, in one pack

Book your year-end Your local tax adviser files the return

For growing businesses

Fractional CFO

Senior finance leadership, part-time. For businesses that have outgrown bookkeeping, are preparing to raise money, or need someone at the table for the big decisions, without the cost of a full-time CFO.

Every month

Management accounts, cash forecast and KPI dashboard
Budget, pricing and margin reviews
Board and investor reporting
Monthly strategy call with you and your team

When you need it

Getting investor-ready: financial model, forecasts and data room
Bank and lender negotiations
Board meeting packs, and a seat at the meeting
Cash and stock planning for growth

from $1,500 per month

from $3,500 investor-ready project

Talk to me about fractional CFO

How it works

Free 20-minute call. We look at your business, your software and what you need.

Fixed monthly fee. You get a written quote, so there are no surprises.

Access to your software. You add me as a user in whatever accounting software you already use.

Numbers in 5 working days. Your books and reports are ready within 5 working days of month-end, once your bank feeds and receipts are in.

Need help with one thing?

Cash Flow Check-up

$149 one-off

60-minute video call
I set up your 13-week forecast with you
Your three biggest cash risks, in writing

Book a check-up Online, in English or German

Xero or QuickBooks Setup

from $390 project

Chart of accounts built around your business
Bank feeds plus your shop, booking or payment apps
A monthly checklist so it stays clean

Start your setup Xero certified · QuickBooks experienced

I have sat where you sit.

2007Qualified as an accountant in Germany and started my career in a tax firm, doing the books for small businesses.

2010–23Financial Controller for international companies in IT consulting and freight, reporting to the CEO and Board every month.

2023–25Founded my own luxury equestrian e-commerce brand and built it to a net present value of AED 1.5 million, then sold it successfully.

2026MBA in Financial Management with Merit. My dissertation studied cash flow and stock in my own business.

Running my own brand taught me what no textbook did: cash gets stuck in stock long before the profit and loss shows a problem. I fixed it with bundles that still made a margin on every item, and weekly offers that kept cash coming in. Now I teach that to other owners, in plain words and simple spreadsheets.

Profit is on paper. Cash is in the bank.