PearlstoneAdvisory

Services

Senior finance work, scoped and priced up front.

Choose a monthly retainer for ongoing finance leadership, or a fixed-fee project for a single decision. Every engagement is scoped after a short call and delivered by the founder.

The finance office

Monthly retainer · priced by agreed time bracket

For companies that have outgrown basic bookkeeping but don't yet need a full-time CFO. You get senior finance support within an agreed bracket of time each month, a fixed monthly fee, and one person accountable for the numbers.

ServiceWhat you get 

Fractional CFO

Senior finance leadership within an agreed monthly time bracket: board and shareholder meetings, bank relationships, pricing and investment decisions.

Typical fitFamily groups and growing companies without a full-time CFO

Management reporting & board packs

A monthly pack covering P&L, cash and KPIs, with commentary that explains the movements and what to do about them.

Typical fitBoards receiving raw trial balances or late, inconsistent reports

Group consolidation & oversight

Consolidated reporting and entity governance across subsidiaries, including dormant and non-core entities.

Typical fitHolding companies with more entities than finance staff

Investor & lender reporting

Shareholder updates, covenant tracking and lender reporting in the format your funders expect.

Typical fitCompanies after a funding round or a new facility

Decision projects

Fixed fee · usually 2 to 8 weeks

For a single question with real money riding on the answer. We agree the deliverable and the fee before work starts, and you keep the working model, not just a PDF.

ServiceWhat you get 

Business plans & financial models

An integrated three-statement model and multi-year plan that holds up to board, bank and sovereign-investor scrutiny.

Typical fitExpansions, new ventures, strategic plans

Feasibility studies

Market, operational and financial feasibility for new plants, licences, and development-fund or bank applications.

Typical fitIndustrial and services projects seeking approval or funding

Market-entry business cases

Demand, regulation, set-up costs and a five-year financial case for entering a new country in the region.

Typical fitRegional and international companies expanding into a new GCC or Middle East market

Independent business case review

A second opinion that tests every major assumption before you, your board or your funders commit.

Typical fitBoards and family offices reviewing management proposals

Valuation advisory

DCF, comparables and asset-based ranges to support negotiations and internal decisions.

Typical fitShareholder transfers, partner buy-ins, acquisitions

Model review & investor readiness

An error check of your existing model, and the plan, model and deck package funders expect to see.

Typical fitCompanies preparing to raise capital or approach lenders

How it fits together

From the first plan to the monthly report

Most advisers cover one stage. We can take a decision from the business case through to the reporting that tracks it, so nothing gets lost between hand-overs.

STAGE 1

Plan

Business plan, feasibility study and financial model for the expansion, acquisition or new venture.

STAGE 2

Test

An independent challenge of the assumptions, and a valuation range, before capital is committed.

STAGE 3

Prepare

The materials lenders and investors expect to see, and introductions to the right conversations.

STAGE 4

Report

Board packs, management reporting and CFO oversight that track results against the plan every month.

Getting started

From first call to first deliverable

No lengthy proposals and no open-ended hourly billing.

1 · Intro call

30 minutes on the decision or problem in front of you. If we're not the right fit, we'll say so.

2 · Scope and fixed fee

A short written scope within three working days: deliverables, timeline, fee, and what we'll need from your team.

3 · Start

Engagement letter signed, information request issued, and the first working session within a week.

Start a conversation

What decision is in front of you?

A 30-minute call is usually enough to tell whether a retainer, a project, or neither is the right fit. No preparation needed.