Monam Khalid
Monam has built and run a technology business with clients and delivery teams across several countries, including the UK, US and Germany.
From bookkeeping and payroll to management accounts, cash-flow forecasting and experienced CFO support, IFRION gives growing businesses the finance function they need, without the cost of building one in-house.
Your month, handled
What happens without you lifting a fingerYour part: answer a few questions and make the decisions. We do the rest.
It usually starts with a spreadsheet and an accountant at year-end. Then the team grows, the invoices multiply, and finance quietly becomes another job for the founder.
Receipts, invoices and reconciliations eat into the time you should spend on customers and your team.
The bank balance looks fine, but you're not sure what's committed, what's coming in, or how long it lasts.
VAT, payroll and filings get done, but always under pressure and never with time to plan.
Hiring, pricing and investment choices get made without numbers you fully trust.
Most founders end up choosing between someone who does the books and someone who gives advice. IFRION gives you both, built on systems that keep it running smoothly.
Think of it as a fractional CFO with a finance team behind them: we don't just advise, we do the work.
Your business is too complex for you to manage finance personally, but not yet ready for an in-house finance team.
Technology and SaaS is a specialism, not a requirement. If you're founder-led and growing, we'd like to hear from you.
Every service starts with the outcome. The detail of how we do it is underneath, if you want it.
No more backlog, and no more evenings matching transactions.
Payroll handled every month, without you running it.
Returns prepared in good time, ready for you to review and approve.
See trouble coming early, and plan with confidence.
Clear numbers each month, and a conversation about what they mean.
Back your next hire, price change or funding round with numbers.
Each option has its place. Here's an honest view of where they tend to fit.
| Option | Typically good for | What it may leave out |
|---|---|---|
| Doing it yourself | The very early days, when volumes are low and cash is tight | Founder time, and a reliable view of the numbers as you grow |
| Traditional accountant | Year-end accounts, tax returns and compliance | Day-to-day bookkeeping, monthly reporting and forward planning |
| Fractional CFO | Senior strategic advice, part-time | Someone to carry out the day-to-day finance work |
| In-house finance team | Larger businesses with steady, high volumes | Cost-effectiveness at an earlier stage, and time to recruit |
| IFRION | Founder-led businesses that need the work done and CFO support | Where a business needs a full-time, on-site finance team, we'll say so |
Founder experience, finance execution and CFO judgement. Each matters on its own; together they give you a complete finance function.
Monam has built and run a technology business with clients and delivery teams across several countries, including the UK, US and Germany.
Nisa leads the dedicated delivery team that runs your finances day to day: bookkeeping, reconciliations, payroll, VAT and month-end reporting.
She sets the review process every piece of work goes through before it reaches you, and is your main contact for day-to-day questions.
Jonathan is a UK chartered accountant with over 20 years' experience in finance leadership across UK, US and European businesses.
He helps founders understand their numbers and make decisions: on cash, growth, hiring and funding.
Jonathan on LinkedInA 30-minute diagnostic call about your business, your current setup and what's taking up your time.
We agree the scope, set up access to your systems and take over the routine work.
Any backlog is brought up to date, quoted separately so you know the cost up front.
Monthly accounts, cash forecasts and a regular review so you always know where you stand.
As you hire, expand or raise funding, the support grows with you.
Move the slider to the hours you spend each week on bookkeeping, invoices, payroll and chasing numbers.
That's more than six working weeks every year.
What would you do with that time? Based on 52 weeks and a 37.5-hour working week.
Prices depend on transaction volumes, systems and complexity. We confirm your package once we understand your business.
For smaller teams that need clean books and a monthly view of the numbers.
For growing teams that need forecasting and regular decision support.
For businesses preparing for investment, a board or more complex operations.
Partly. You get fractional CFO support from Jonathan, but you also get a delivery team that does the day-to-day finance work, from bookkeeping and payroll to VAT and monthly reporting. Most fractional CFO arrangements cover the advice; we cover the work too.
Financial leadership is UK-based: Jonathan is your CFO. Day-to-day accounting is carried out by our dedicated delivery team in Pakistan, led by Nisa, who is your main contact for routine questions.
This model is how we can offer a full finance team at a cost that suits a growing business. Work is reviewed before it reaches you.
Access to your systems is permission-based and limited to the people working on your account. We'll walk you through exactly how access, confidentiality and data handling work during the diagnostic, and set them out in your engagement letter.
Usually not. We normally work within your existing Xero or QuickBooks setup and connected tools. If a change would genuinely help, we'll explain why before suggesting it.
Yes, this is common. We assess the backlog during the diagnostic and quote any catch-up work separately, so you know the cost before we start.
It's a 30-minute conversation about your business, how finance is handled today and what's taking up your time. You'll come away with a clearer view of what you need, whether or not you work with us.
Not necessarily. Many clients keep their existing accountant for year-end accounts and tax, and we work alongside them. We can discuss the best arrangement for you.
Book a 30-minute call with our UK-led team. No obligation, and no hard sell.
We'll be in touch by email to arrange a time for your diagnostic.