Sterling Financial Management

Accountants for growing

service-based B2B businesses.

We manage your full financial function, allowing you to concentrate on growing your core business. We are not just external accountants; we are part of your growth journey. Helping you feel confident about your financial decisions by implementing a robust financial growth strategy and financial management system that will support your business growth

We are your virtual finance team!

Providing you with Outsourced Accounting, Bookkeeping, Business Advisory,

Finance Training and CFO support using our four step process in Plan for Profit!

Based in Dorking, Surrey, although, we are 100% Cloud based

and so can work with you anywhere in the country!

Do you struggle with

  • Understanding your finances?

  • Capturing your business expenses?

  • Keeping your books in order on a regular basis?

  • Managing all the different elements of your finances?

  • Knowing how much profit you've made per project?

  • Knowing how much profit you've made per customer?

  • Dealing with multiple income streams?

  • Getting hold of your accountant?

  • Knowing how much tax you have to pay?

  • Knowing if & how much you can take as dividends?

  • How to keep more of the money that you earn?

  • Keeping on track with your financial targets?

  • Managing your cashflow?

  • Panicking when its time to do your taxes?

Let us help

you to scale your business with confidence to £1m and beyond!

Fully Outsourced Finance Function

Bookkeeping & Reporting

CFO support

Business Growth Planning

Annual Accounts & Taxes

Power Hours

Where we can really make a difference to your business is:

Business Advisory as your Virtual CFO:

  • Cashflow forecasting and management

  • Financial Analysis

  • Customer, product and project profitability

  • Maximise Profit

  • Implement and tighten controls

  • Management Accounts and comprehensive reporting

  • Recruit, train and mentor employees

  • Set growth targets and measurement tools

  • Budgets and forecasting

  • Business plans

  • Training Services for you, or, you and your team

  • A sounding board for you as the entrepreneur

  • Accounting software selection, implmentation and training

Plan For Profit

Our four step process to maximise your business growth and profits

Plan it

We work through your vision and map out where you are now and where you want to be and together we'll put together a plan for how you'll get there and your financial forecasts.

Implement it

This involves making sure that all your financial data is flowing properly so you have all the info you need, in the right place at the right time.

Measure It

We'll work through the most effective measures for your business and you'll get your own bespoke Scorecard or Dashboard to ensure you stay on track

Support it

We'll work closely with you to proactively support your plan. With monthly reports and quarterly meetings.

It's Not Just About The Numbers!

We Understand Accounting and People

Results over services

If you're like most people, you know you need help but not sure where you need it. We can help your business get the results through a range of options.

We're people people

Its not all about the numbers, we've found what makes us better than other accountants is that we don't just number crunch, we connect with you and really get to understand you and your business.

Straight talking advice

We won't talk to you in overly complicated accountant speak, its important to us that you feel comfortable with the advice given and the way it is delivered and we won't leave you waiting for days.



We've specialised for many years with running virtual finance offices for service based businesses. We also have experience in many other industries, but B2B businesses are our speciality.

About us

Fully qualified Chartered Management Accountant and AAT Bookkeeper working with SME's

We believe that small business holders should be able to focus on their core business. By using Sterling Financial Management Ltd, we take the stress and overwhelm of the financial element of your business out of your hands to allow you to do just this. We work closely with you to enable you to understand your business finances, so we can manage this on your behalf.

We work with cloud-based systems and so can work with anyone around the country. Communication is key to success and we would work closely with you to get to know you and your business.


'Fiona is a lovely , warm person who knows her stuff. She’s great to work with and fills you with confidence that she’s on top of everything. She gives sound advice and feels like part of the business. She’s an absolute joy to work with.'

Liz - K2 and Co Consulting Ltd

We highly recommend Sterling Financial Management. Having worked with Fiona for several years we have been delighted with the service received, the personal touch given, the high level of communication and ability to adapt accounting reports to the needs of our company. A very important third-party member of our business structure..'

Richard - Compass Construction Southern Ltd

'I would highly recommend using Fiona and Sterling Financial Management Limited. As a small business owner, who is focused on delivering a good service to my own clients, I know when I am being provided with a good service too. Fiona has taken the stress out of my new venture, she has seen me as an individual and took the time to understand my business and personal goals. Her knowledge, and experience has guided me through setting up all my tax and business accounting needs. She is extremely proactive and provides me with support and confidence, which means I can focus on my business and clients, safe in the knowledge that she is doing the same for me.'

Kathryn - Human Performance Safety Solutions Ltd

‘Fiona has been our accountant and business manager for many years and has added so much value to our business. She has guided us through business strategy, provided us with the relevant inputs to support key commercial decisions and helped us manage cost and cashflow to create a thriving business.

I would recommend Fiona to any small business that wants the wisdom of a Finance Director, the rigour of an accountant and the support of a true partner. Fiona is brilliant’

Liz , Realise Consulting Ltd

'Fiona is a highly professional and friendly accountant with a specialism in supporting

small businesses and start ups. She is approachable and knowledgeable, prompt to respond

to all queries no matter how large or small! What sets Fiona apart is how she gets to know

you and your business personally, and she genuinely cares and is invested in your business

success. Her experience and skills are second to none, and as a small business in our 3rd

year of trading with Fiona’s support, we could not recommend her highly enough..'

Emma & Brenda, Ember Coaching Ltd

'Fiona joined our business and brought us the financial expertise to make key business decisions. Not only was she able to ensure a smooth running finance division but contributed strongly to our strategic direction. I look forward to engaging with her again on my next entrepreneurial adventure.'

Gordon - ITOO / Artinsure


Ready to take the stress out of finance?

Not quite ready to commit to a long term contract ? Book a value packed Power Hour for now at £180 Inclusive of VAT.


Financial Housekeeping For Your Small Business

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Accounting, Bookkeeping and Business Advisory in Dorking Surrey RH4 2JF