South Africa's Virtual CFO Platform

Every business
deserves
a chief.

Institutional-grade financial intelligence and on-demand CFO expertise — built for South African SMEs who are ready to scale but can't yet afford a full-time finance executive.

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2.8M
SA SMEs without a finance executive
52%
fail due to poor financial management
R499
per month — your CFO starts here
Mphela Trading (Pty) Ltd
Live
73 Score
Moderate Health
2 critical actions required. SARS risk elevated. Growth plan recommended.
Cash Flow
82
Debtors
65
SARS Risk
58
Profitability
79
Compliance
71
VAT return due in 18 days — prepare now
R42K in overdue debtors — escalate
Why Inkosi Finance

Built by a CFO.
For every business.

Inkosi Finance was founded by a qualified finance executive with 19+ years across some of South Africa's largest FMCG companies — Tiger Brands, Kellogg, Mondelēz, Kellanova, and Mars. The same financial rigour applied to billion-rand corporations is now available to every South African SME.

The name inkosi means chief or leader in isiZulu. Every business deserves one.

19+
Years FMCG finance experience
FCMA
CIMA qualified — Strategic Level
5
Listed multinationals served
SA
100% South African, locally focused
Founder & Lead CFO Advisor
H
Hlubi Hadebe
Finance Manager · FCMA · BCom Accounting

"I spent 19 years giving multinationals world-class financial leadership. Inkosi Finance exists to give that same edge to every South African SME — because the businesses that drive our economy deserve better than a once-a-year accountant."

Tiger Brands Kellogg Mondelēz Kellanova Mars
The Gap

South Africa's SMEs are
flying blind, financially.

A full-time Finance Manager costs R50,000–R80,000 a month. So 97% of SMEs go without — and the cost shows up in cash flow crises, SARS penalties, and premature business failure.

01
No Financial Visibility
Most SME owners make major decisions based on their bank balance — the most misleading number in business. Without management accounts or dashboards, profitable businesses collapse from invisible cash flow gaps.
02
SARS Surprises
VAT, provisional tax, PAYE, and Companies Act deadlines come fast. One missed submission triggers penalties, compounding interest, and in serious cases, SARS enforcement action that can cripple a growing business.
03
Cash Flow Crises
52% of SME failures trace to cash flow mismanagement — not profitability. You can be growing your revenue while running out of cash. Without a forward-looking cash model, the crisis only becomes visible when it's already critical.
Our Services

Everything your business
needs to thrive.

From company registration to full virtual CFO advisory — Inkosi Finance is your complete financial partner. All services delivered remotely, all backed by 19+ years of FMCG and SME finance expertise.

Once-off
Company Registration
(Pty) Ltd, NPO, sole proprietor, or partnership registered with CIPC. Includes name reservation and MOI.
From R850
Once-off
SARS Registration
VAT, PAYE, Income Tax, Turnover Tax, and UIF registration. We handle the submissions and follow-ups directly with SARS.
From R750 per registration
Recurring
Annual Returns
CIPC annual return filing to keep your company in good standing. Avoid deregistration and compliance penalties.
From R450/year
Monthly
VAT Submissions
Monthly or bi-monthly VAT201 preparation and eFiling submission. Includes supporting reconciliation and audit trail.
From R950/submission
Monthly
Payroll & EMP201
Monthly payroll processing, payslips, PAYE/UIF/SDL calculations, and EMP201 submissions. Accurate and on time, every month.
From R1,200/month
Annual
Tax Returns (ITR14)
Company income tax return preparation and submission, including tax computation, provisional tax, and SARS correspondence management.
From R2,500
Monthly
Bookkeeping
Monthly transaction processing, bank reconciliation, and general ledger maintenance. Clean books, always audit-ready.
From R1,500/month
Monthly
Management Accounts
Monthly income statement, balance sheet, and cash flow statement — formatted for decision-making, not just compliance.
From R2,500/month
Monthly
Cash Flow Forecasting
13-week rolling cash flow model updated monthly. Know your cash position before a crisis hits, not after.
R3,500 setup + R1,200/month
Annual
Annual Financial Statements
Compiled annual financial statements ready for your accountant, auditor, bank, or investor. IFRS for SMEs compliant.
From R4,500
Once-off
Audit Preparation
Full financial pack preparation before external audit. Schedules, reconciliations, supporting documents — packaged and ready for your auditor.
From R5,000
Quarterly
Board Pack Generation
Quarterly financial reporting pack for board or investor meetings — executive summary, KPIs, variances, and outlook commentary.
From R3,500/quarter
Session
CFO Strategy Session
60-minute 1-on-1 with a qualified CFO. Diagnose your biggest financial challenge and leave with a concrete action plan.
R1,500 per session
Monthly
Virtual CFO Retainer
Dedicated virtual CFO on retainer — monthly sessions, financial oversight, strategic input, and always-on WhatsApp access for urgent decisions.
From R3,999/month
Once-off
Pricing & Margin Review
Full product/service pricing audit. We identify where you are leaking margin and restructure your pricing for profitability.
From R4,500
Once-off
BBBEE Financial Advisory
Scorecard assessment, gap analysis, and financial compliance roadmap to improve your BBBEE level and unlock procurement opportunities.
From R5,500
Premium
Funding Readiness
Prepare your business for bank funding, IDC, NEF, or angel investment. Financial model, investor deck, and application support included.
From R8,000
Once-off
Business Plan & Financial Model
Investor-ready business plan with a full 3-year financial model. Built for funding applications, bank submissions, or strategic planning.
From R10,000
Once-off
Business Bank Account
We guide you through opening a business bank account — documentation checklist, bank selection advice, and application support.
R500 advisory fee
Once-off
SARS Dispute Support
Received a SARS letter, audit notification, or penalty? We prepare your response, gather supporting evidence, and represent your position.
From R3,500
Monthly
Debtors Management
Monthly debtor tracking, statement distribution, follow-up calls, and escalation management. Get paid faster, improve your cash cycle.
From R1,800/month
Once-off
Financial Health Diagnostic
Comprehensive financial health review — cash flow, debtors, pricing, cost structure, and compliance. Full written report with recommendations.
R2,500
Once-off
Credit Application Support
Prepare and submit business credit applications to commercial banks, IDC, NEF, or SEFA. Financial pack preparation and motivation letter included.
From R3,000 + success fee
Ongoing
Registered Office Address
Use our Johannesburg registered address for CIPC, SARS, and correspondence purposes. Ideal for home-based businesses needing a professional address.
R350/month

Not sure which service you need? Book a free 20-minute discovery call.

The Platform

Your financial
command centre.

Real-time intelligence across cash flow, debtors, SARS compliance, and business performance — built for SA.

🔒 app.inkosi.finance/dashboard
Main
◈ Dashboard
⟳ Cash Flow
◫ Debtors
◷ SARS Calendar

Advisory
◎ CFO Sessions
◑ Reports
◻ Documents

Account
◈ Settings
Good morning, Thabo.
Saturday, 4 April 2026
P3 Closes Today · P4 Starts Tomorrow
Cash Position
R487K
↑ 12% vs last month
Debtors Outstanding
R214K
R42K overdue >30 days
Health Score
73 / 100
Next SARS Deadline
VAT
Due in 18 days
Cash Flow — 6 Months (R'000)
Inflow
Outflow
NOV DEC JAN FEB MAR APR
Priority Actions
Khumalo Traders — R42K overdue 35 days
Debtor escalation required
Urgent
VAT submission — R87K estimated liability
Due 22 April · 18 days
Action
March payroll reconciliation pending
Complete before P4 close
This Week
CFO session confirmed
9 April · 10:00 AM · Zoom
Booked
Pricing

Your CFO at
your price point.

One subscription. All the financial services your business needs — compliance, reporting, advisory, and administration. No hidden fees, no surprises.

Free
R0/mo
Start understanding your finances today. No card required.
  • Automated financial health score
  • SARS deadline calendar & alerts
  • Basic cash flow dashboard
  • Monthly financial tip digest
  • Once-off services available à la carte
Starter
R499/mo
For freelancers and micro-businesses finding their footing.
  • Monthly bookkeeping (up to 50 transactions)
  • Bank reconciliation
  • SARS deadline alerts & reminders
  • Cash flow snapshot & 90-day forecast
  • Monthly AI financial report
  • Email support within 24 hours
  • 10% discount on all à la carte services
Most Popular
Growth
R1,499/mo
For SMEs between R2M and R20M ready to grow with confidence.
  • Full bookkeeping & bank reconciliation
  • Monthly management accounts
  • VAT201 submission (1 per month)
  • Payroll processing (up to 10 employees)
  • 2 live CFO sessions per month
  • BBBEE scorecard modelling
  • Custom financial dashboards
  • Priority WhatsApp support
  • 20% discount on all à la carte services
Scale
R3,999/mo
For established businesses preparing to scale or raise funding.
  • Everything in Growth
  • Dedicated virtual CFO
  • Unlimited CFO advisory sessions
  • Full payroll (unlimited employees)
  • Quarterly board pack generation
  • Annual financial statements
  • Audit preparation support
  • SARS dispute support
  • Debtors management
  • 30% discount on all à la carte services
Start Today — Free, No Card Required

Your business deserves
a chief.

Get your automated financial health score in 3 minutes. Understand your cash flow, SARS risk, and debtor exposure instantly — at no cost.

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