CFO Capital Services
Independent capital advisory services built on discipline, governance,and no conflicts of interest.
CFO Capital provides independent capital advisory to South African businesses and families facing important balance-sheet decisions. We advise on capital structure, debt, funding strategy, ownership, and long-term financial stewardship.
Capital decisions are often irreversible and high-risk when poorly structured. CFO Capital brings the same rigour and governance to every engagement - structured analysis, documented process, and advice that is aligned entirely to the client's long-term interests.
We do not sell financial products. We do not earn commissions. We do not benefit from the decisions you make. Our only mandate is to help you make the right decision for your business - even when the right decision is to do nothing.
Every CFO Capital engagement is paced appropriately for the weight of the decisions involved, with governance built in from day one and a clear separation between advice and execution.
Capital decisions, properly advised.
Each CFO Capital engagement is structured around a defined advisory scope, with rigorous analysis, scenario modelling, and documented recommendations. Select any service to read more.
Debt Structuring & Funding Strategy
What's included:
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Existing facility review and analysis
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Debt capacity and serviceability assessment
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Funding options analysis and comparison
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Independent lender negotiation support
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Funding strategy document
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Financial model and projections review
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Investor and lender pack preparation
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Term sheet review and advisory
We help businesses evaluate, structure, and negotiate debt and funding arrangements that align with their actual capacity and growth objectives - without the pressure of a lender or product provider sitting across the table.
This includes reviewing existing debt facilities, assessing new funding options, stress-testing repayment capacity, and building a clear, independent funding strategy grounded in your actual financial position rather than what a lender is willing to offer.
We also assist with preparation for funding conversations - ensuring your financial information is structured correctly, your story is coherent, and your projections are credible before you enter any negotiation.
Capital Allocation & Balance-Sheet Optimisation
What's included:
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Balance sheet structure review and analysis
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Capital allocation mapping and assessment
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Return on capital modelling
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Working capital cycle analysis
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Asset efficiency review
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Leverage and liquidity assessment
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Restructuring options analysis
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Optimisation recommendations report
Where capital is deployed matters as much as how much capital is available. Poor capital allocation - too much tied up in fixed assets, insufficient working capital, capital in low-return activities - is one of the most common and costly problems in owner-managed businesses.
We advise on capital allocation decisions, ensuring resources are directed toward the highest-value opportunities while maintaining appropriate liquidity and financial resilience. We model the return on capital across different deployment options and provide clear recommendations grounded in your specific business context.
We also review balance sheet structure - asset mix, leverage ratios, working capital cycles - and identify where restructuring could improve financial performance and reduce risk.
Payroll & Regulatory Administration
What's included:
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Full monthly payroll processing
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Payslip preparation and distribution
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PAYE calculation and submission
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UIF compliance and administration
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SDL (Skills Development Levy) management
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IRP5 and EMP501 reconciliations
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Leave and deduction management
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Payroll cost allocation to management accounts
We manage the full payroll function on your behalf - from payroll processing and payslip distribution to PAYE submissions and UIF compliance. Every cycle runs against a structured calendar, with quality checks before anything is submitted or paid.
Payroll errors are costly, both financially and in terms of staff trust. Our structured processes eliminate the risk of late payments, incorrect deductions, or missed submissions - giving you and your team confidence that everything runs on time, every time.
We integrate payroll seamlessly with your monthly accounting cycle, ensuring that all payroll costs are correctly allocated, reconciled, and reflected in your management reports.
Shareholder & Ownership Structuring
What's included:
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Shareholder agreement financial review
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Equity structure analysis and modelling
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Buy-in and buy-out advisory
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Valuation for ownership transactions
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Dilution and economic consequence modelling
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Ownership restructuring advisory
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B-BBEE structure considerations
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Coordination with legal advisors
Ownership decisions have long-term financial and legal consequences that are difficult - and sometimes impossible - to reverse. Yet they are often made quickly, under pressure, without independent financial analysis, and with advisors who have their own interests in the outcome.
We provide structured advisory on shareholder agreements, equity arrangements, buy-ins, buy-outs, and ownership restructuring - ensuring decisions are made with full financial clarity, appropriate governance, and a proper understanding of the long-term consequences for all parties.
We work alongside your legal advisors, not instead of them. Our role is to ensure the financial logic is sound and the economic consequences of the structure are fully understood before anything is signed.
Risk Management & Financial Resilience
What's included:
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Financial risk identification and mapping
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Scenario and stress-test modelling
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Capital structure risk assessment
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Cash flow vulnerability analysis
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Customer and supplier concentration review
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Forex and interest rate exposure review
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Governance framework recommendations
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Risk management action plan
Financial risk in owner-managed businesses is often hidden in plain sight - in leverage ratios that look fine until interest rates move, in customer concentration that only becomes a problem when a key client leaves, in working capital cycles that work in good times but break in bad ones.
We identify the financial risks within your business model, capital structure, and cash flow - and help you build the resilience to manage them. This includes stress-testing your financial assumptions under different scenarios, reviewing concentration and exposure, and putting governance frameworks in place that protect the business when conditions change.
We do not sell insurance, hedging products, or risk management tools. We provide the independent analysis and advisory to help you understand your risks and make informed decisions about how to manage them.
Long-Term Wealth & Balance-Sheet Stewardship
What's included:
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Quarterly balance-sheet review and advisory
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Long-term financial planning and modelling
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Wealth preservation strategy
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Succession planning advisory
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Exit readiness structuring
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Estate and inter-generational planning support
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Coordination with tax and legal advisors
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Annual governance review
For family-owned businesses and founders approaching growth, succession, or exit, the balance sheet is not just a business tool - it is the primary vehicle for long-term wealth creation and preservation. The decisions made over the next five to ten years will define what that wealth looks like.
We provide ongoing balance-sheet stewardship for clients who need a long-term financial partner - reviewing decisions periodically, stress-testing the business against evolving conditions, and ensuring that the financial discipline established in the engagement is maintained as the business grows and changes.
This service draws on the full Our CFO platform. Where CFO Concierge provides accounting accuracy and CFO Mentor provides financial strategy, CFO Capital provides the capital and ownership lens that ties everything together into a coherent long-term financial picture.
Client Outcomes
Our clients consistently experience the same outcomes - because our processes are designed to produce them, not just promise them.
CFO Capital engagements are measured not by transactions completed but by the quality and durability of the decisions made.
Advice They Can Trust
With no products to sell and no commissions to earn, clients receive advice that is aligned entirely to their interests - not the advisor's.
Decisions That Hold Up
Rigorously stress-tested, properly documented, and made with full understanding of the long-term consequences - not just the immediate benefit.
Clarity on Complex Structures
Capital structures, debt arrangements, and ownership decisions translated into plain-language recommendations that business owners can actually act on.
Improved Financial Resilience
Businesses that understand and actively manage their financial risks are better positioned to survive disruptions and capitalise on opportunities.
Exit and Succession Readiness
Structured governance and financial discipline that ensures the business can be valued fairly, sold cleanly, or transitioned successfully when the time comes.
Long-Term Wealth Creation
Capital decisions that compound value over time - not transactions that generate short-term cash at the cost of long-term financial health.
Add terms and conditions
Project Advisory
For a specific capital decision - a funding round, a debt restructure, a buy-in or buy-out - scoped in advance with a fixed advisory fee. Defined deliverables, defined timeline, no surprises.
Valid for one month
Initial diagnostic and scoping
Structured advisory and analysis
Scenario modelling and stress-testing
Documented recommendations
Implementation support
Advisory Retainer
For businesses navigating a period of significant capital activity - restructuring, acquisitions, or growth financing - a retainer provides ongoing independent advisory, available when you need it.
Valid for 6 months
Monthly advisory sessions
Unlimited ad hoc consultation
Ongoing balance-sheet monitoring
Multiple engagement areas covered
Priority access and response
Quarterly governance review
Long-Term Stewardship
For family-owned businesses & founders with a multi-year financial horizon - ongoing balance-sheet stewardship, succession planning, & wealth preservation advisory across the full Our CFO platform
Valid for 12 months
Quarterly balance-sheet review
Long-term financial modelling
Succession and exit planning
Wealth preservation advisory
Integration with CFO Mentor
Annual governance review
Engagement Type
Find one that works for you
Custom engagements available. Businesses with more complex requirements - larger payrolls, group structures, high transaction volumes, or pre-audit preparation - are priced on a custom basis following an initial diagnostic. Book a free consultation and we will give you a clear, itemised proposal.
