For owner-led businesses, £1m+ turnover
There's 15–30%
hiding in your business.
We find it. You keep most of it.
Your accountant keeps you compliant. We go further — AI-powered analysis across tax, insurance, pensions, procurement and operations to surface savings that are already yours. Zero upfront cost. 30% of verified Year 1 savings — then nothing from Year 2 onwards.
The Problem
Profitable on paper.
Leaking in practice.
Most owner-directors leave 15–30% in annual savings on the table — not because the business is badly run, but because optimisation simply isn't in their accountant's remit. It hides in five places:
Operations
Process waste, inventory inefficiency and cash-conversion gaps tying up working capital. Typical savings: 5–15% of operational spend.
Procurement
Most businesses pay 10–20% above benchmark across fragmented suppliers. Typical savings: 8–18% of procurement spend.
Insurance
Policies renewed without review — lapsed cover never cancelled, duplicate coverage overlapping. Typical savings: 15–25% of premiums.
Pensions
Structures set up years ago and never revisited against your current tax position. Typical savings: 8–20% of contribution efficiency.
Tax Optimisation
Legitimate structural planning your accountant's compliance remit doesn't cover. Typical savings: 5–15% of overall tax liability.
We analyse all five.
Together.
Hidden value often lives in the gaps between specialisms — insurance overlaps tax planning, procurement interacts with cash flow. Most consultants work one area. We work all five at once.
Proven Results
“We were delighted with the results from working with Pocket. They took the time to really understand our business and identified savings and opportunities we simply hadn’t considered. Their approach was professional, straightforward and incredibly insightful. The recommendations have made a genuine difference to our business and given us a much clearer understanding of how we can work smarter financially. We wouldn’t hesitate to recommend Pocket to other business owners.”
How It Works
Three phases.
8–12 weeks.
Zero risk to you.
Discovery 2–5 days
We gather financial records, supplier contracts, insurance policies and pension details, then run a comprehensive AI-powered review across all five areas — cost vs. benchmark, tax efficiency, coverage gaps, process waste. You get 5–10 ranked opportunities, presented in a 90-minute workshop.
Implementation Support Weeks 2–8
You implement at your own pace with our guidance: supplier renegotiation templates, a tax planning framework, insurance consolidation plans, pension optimisation guidance, and an operational waste playbook — plus weekly check-ins.
Verification & Payment Month 3
We jointly track actual savings against projections and both sign off on the verified figure. Success fee: 30% of verified Year 1 annual savings only. You keep the rest — and everything from Year 2 onwards costs you nothing.
Why Pocket Finance
Aligned incentives.
Not another retainer.
Traditional advisors charge whether or not they move the needle. We don't get paid until you've already seen the saving land — and from Year 2 onwards, you keep everything, for free.
- £0 upfront — no retainer, no leap of faith. You see the opportunity before you pay anything.
- We only win when you do — 30% of verified Year 1 savings, nothing more.
- Year 2 is free — you keep 100% of every improvement, forever, with no ongoing fee.
- Optional retainer only — £250/month if you want ongoing quarterly reviews and price-locking. Never required.
Worked example
Our first client, KMS Roofing, had £40,000 in annual savings identified across procurement, operations, insurance and pensions.
They paid £12,000 — 30% of verified Year 1 savings — and kept £28,000 in new annual profit. From Year 2, all £40,000 is theirs, every year, at no further cost.
No upfront cost. No long-term retainer. Just verified results.
Founder
Hayley Ormrod ACMA, CGMA
20+ years leading finance teams in capital-intensive industries, managing £50m–£80m cost bases and £20m+ capex budgets. CIMA/ACMA qualified, with deep expertise in tax planning, multi-policy insurance architecture, pension scheme design, procurement strategy and operational efficiency — not just bookkeeping.
“This isn’t new spending or operational pain. The savings are money your business is already wasting — buried in supplier relationships, tax inefficiency, operational habits, insurance duplication. We find it and help you keep most of it.”
Get Started
Let's find out what's
already yours.
A short discovery call is all it takes to see whether there's 15–30% sitting inside your business. No cost. No obligation. No upfront fee, ever.