The finance function you can't yet hire in-house.
Full outsourced finance for ambitious SMEs — bookkeeping, tax, payroll and Virtual CFO — so founders get institutional-grade numbers on a small-business budget.
Where smes & growing businesses finance actually breaks.
We designed our practice around the everyday realities operators in this sector wrestle with.
Founder as bookkeeper
The founder is the finance function — and it doesn't scale.
Cash-flow surprises
Salary weeks arrive faster than customer payments.
Tax visits
FIRS, state IRS and LGA visits without records to defend.
Investor readiness
Fund-raise conversations stall on messy books.
What happens when it's left unattended.
These are the failure modes we most commonly find in the first 30 days of every diagnostic.
Personal-business fund mixing
Directors' loans and personal expenses distort the P&L.
Statutory penalties
Unfiled returns compound quietly across years.
Lost financing
Banks and investors decline without clean statements.
Burnout
Founders spend more time on receipts than customers.
How Soteria solves it.
A senior-led engagement model with proven playbooks calibrated to your sector.
Cloud-native stack
QuickBooks/Xero + Soteria team = full finance function.
Monthly close discipline
Books closed by day 5, dashboards by day 7.
Tax compliance calendar
CIT, VAT, PAYE, WHT and annual returns tracked centrally.
Virtual CFO reviews
Monthly strategy sessions with a senior partner.
The engagement mix that actually moves the needle.
Every service listed here can be delivered onsite, virtually or hybrid — bundled into a single monthly retainer.
What our smes & growing businesses clients walk away with.
Founder freed
Time returned to customers, product and people.
Clean, compliant books
Statutory filings on time, every time.
Investor-ready
Reports and data-room artefacts prepared.
Institutional discipline
Punch above your size class.
A Series-A logistics SME
Context. Books three months in arrears; a stalled $2M raise.
What we did. Onboarded outsourced finance stack, closed backlog, produced audit-ready pack.
“Our investors said our numbers were the cleanest they'd seen in the sector.”
Let's build the finance function smes & growing businesses deserve.
Book a complimentary 45-minute strategy session with a Soteria partner. No slides, no sales pitch — a working conversation about your books, your risks and your next move.