SJ Finance

Bespoke financial modelling

Financial models built for your next funding round or business sale.

Tailored Excel models with connected P&L, Balance Sheet and Cash Flow — so you can test decisions and explain your numbers confidently to investors, lenders and buyers.

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Sean Mooney working at his laptop
£100M+
Funding supported
100+
Financial models built
15+
Years’ experience
20+
Clients served

Who we’ve worked with

Penta Capital, McGoff Group, Sumer, Spirant Group, Leonard Curtis, Bridgepoint, Blue Oak Estates, Hundle, Network, London Shared, Birkenhead Park FC, ComplexLaw, Bristol Ground School, JWPM Consulting and Velsera

In practice · anonymised case study

A model built for a buy-and-build business.

~50
Acquisitions handled
£75m+
Debt supported

One integrated model, including covenant reporting, deferred consideration and earn-outs.

Monthly updates

Days 1–2 hours

What the model does

One connected picture of your business.

See how each decision affects profit and cash — together, not in separate spreadsheets.

Understand your funding needs

See when cash is needed and explore how different funding assumptions affect your forecast.

Test the what-ifs

Compare business assumptions and understand their impact before making a decision.

Explain your numbers

Give investors, lenders and buyers a clear financial story, with a dashboard of the key outputs.

Beyond a transaction, use the same model for board reporting and ongoing planning.

What you receive

Built for your business. Yours to keep.

  1. Your bespoke Excel model

    Profit and loss, balance sheet and cash flow connected in one tailored model.

  2. Scenarios

    Explore different business assumptions and see how the outputs change.

  3. A clear dashboard

    The key numbers in one place for management, investors, lenders and buyers.

  4. Walkthrough and user guide

    A full handover so your team understands and can use the model.

The exact scope is agreed after the initial conversation.

You own the model. Ongoing support is optional.

Sean Mooney

Meet Sean

Finance experience, not just spreadsheet expertise.

Over 15 years in senior finance, including Group Finance Director roles for complex, multi-entity businesses.

Sean personally reviews every model, challenges assumptions and walks your team through the numbers.

How it works

From first conversation to a model you can use.

  1. Agree your goals and scope

    A free 15-minute call to understand your business and what you need the model to do. We then review your information and agree the scope.

  2. Build, challenge and review

    Typically one to four weeks. Every model reconciles to your accounts and has a checks sheet. Ha reviews the build, then Sean personally reviews it.

  3. Walk through and hand over

    We take your team through the model and user guide. Use it independently or choose support with monthly or quarterly updates.

AI can assist with data mapping and analysis. Expert human review remains at the heart of every model.

“Sean developed and automated our financial model and trained the team to take over the monthly routines, including video tutorials. Proactive, responsive and practical.”
Nigel CarrCFO, Sumer Group Ltd.

Let’s talk

Request your free 15-minute call.

No obligation. Talk directly to the people who build your model. Enquiries are for arranging a call, not reserving a calendar slot.

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FAQ

A few practical questions.

Who is this for?

Business owners, finance teams and corporate finance advisers preparing for investment, lending or a business sale. Models also support ongoing planning, board reporting and multi-entity groups.

How long does a model take?

A typical build takes one to four weeks, depending on size and complexity. We agree the exact scope after the initial conversation.

What information do you need?

Your management accounts or existing model, trial balance, revenue drivers, staff costs and overheads. We'll agree any other data needed for your business.

Can you connect our accounting data?

Yes. Our own product, Flow, connects Xero data to the model. We can also work with other accounting systems and data sources. Your finance team still checks the monthly actuals.

Do we own the finished model?

Yes. You receive the Excel model, a full handover and a user guide. Run it yourselves or choose ongoing support, with no obligation to keep us involved.

Do you arrange funding or guarantee a sale?

No. We build bespoke financial models, not loans or finance-broking services. A model supports your discussions with investors, lenders and buyers; it does not guarantee funding or a sale. We do not provide bookkeeping, tax, payroll or company secretarial services.

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