For owner led businesses
There's money
hiding in your business.
We find it.
Pocket Finance combines AI-driven analysis with expert advisory to give owner-directors complete financial clarity and the confidence to act on it.
The Problem
Profitable on paper.
Could there be more?
Most owner-directors leave annual savings on the table, not because the business is badly run, but because optimisation simply isn't fully in their 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. 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.
4–8 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 to you.
Implementation Support Weeks 1–4
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 2
We jointly track actual savings against projections and both sign off on the verified figure. Success fee: Percentage of verified Year 1 annual savings only. This is cost savings that weren't known to your business before. Year 2 it's all yours.
Why Pocket Finance
Aligned incentives.
Not another retainer.
Traditional advisors charge whether or not they move the needle. We only win if you win. 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 — Percentage of verified Year 1 savings, nothing more.
- Year 2 is free — you keep 100% of every improvement, forever, with no ongoing fee.
- Optional retainer — if you prefer ongoing quarterly reviews.
Founder
Hayley Ormrod ACMA, CGMA
20+ years Finance Business Partnering in corporate finance for 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.
“This isn’t new spending or operational pain. The savings are profits hiding in your business. We find it for you based on experience with a little help from AI-optimisation agents.”
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.