A Small Business Accountant Who Gets It

You didn't start your business to stare at spreadsheets. But somewhere between chasing invoices and wondering if you're actually profitable, the numbers start to matter. A lot. That's where we come in. We're not just accountants — we're business advisors who help owners in Worcester and Birmingham make smarter decisions, keep more of what they earn, and sleep better at night.

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How We Help Small Businesses Grow

Startup Advice

Ltd, LLP or sole trader? We'll help you set up right from day one so you're not fixing costly mistakes later.

Business Planning

A proper plan that shows you where the money's going and where it should be going. Investor-ready if you need it.

Cash Flow Management

Stop wondering if you can afford to pay yourself this month. We'll get your cashflow predictable and under control.

Growth Strategy

Ready to scale but not sure how? We'll build you a roadmap grounded in real numbers, not wishful thinking.

Management Accounts

Know exactly how your business is performing — every month, not just at year end. No surprises.

Acquisitions & Disposals

Buying or selling a business is high stakes. We'll make sure the numbers add up before you sign anything.

Business Startup Advice & Company Formations

You've got the idea. Maybe you've already got customers. But have you set up properly? The difference between a limited company and sole trader isn't just paperwork — it affects how much tax you pay, how much personal risk you carry, and how easy it is to grow.

We help new business owners across Worcester and Birmingham answer the questions that actually matter: What structure saves you the most tax? How do you split ownership fairly? What does HMRC expect from you — and when? We'll get you registered, compliant, and set up in a way that works for where you want to be in three years, not just next month.

And we'll make sure you understand your obligations from day one — so you're never caught off guard by a tax bill or a Companies House deadline.

Business Planning & Financial Forecasting

"Where will we be in 12 months?" If you can't answer that question with numbers, you need a plan. Not a dusty document that sits in a drawer — a living forecast that tells you what's working, what's not, and when the cash runs tight.

We build financial forecasts that are grounded in reality, not optimism. Best case, worst case, most likely — so you can make decisions with your eyes open. If you're seeking funding from a bank or investor, we'll prepare the models and documentation they expect to see. For business owners across Worcester and Birmingham, that preparation is often the difference between approval and rejection.

Revenue projections, cost structures, break-even timelines — we translate what's in your head into credible numbers that you (and your bank manager) can trust.

Revenue Modelling

Realistic projections based on what your market actually looks like, not guesswork.

Scenario Planning

Best case, worst case, most likely — so you know exactly what you're walking into.

Investor-Ready

Financial models that banks and investors actually take seriously.

Cash Flow Management & Business Sustainability

Here's the thing most business owners learn the hard way: profitable on paper doesn't mean money in the bank. You can have a full order book and still struggle to make payroll. Cashflow is what keeps the lights on, and it's where we see businesses trip up the most.

We'll help you forecast accurately, chase the right invoices at the right time, manage seasonal dips, and stop living month to month. If you're already feeling the squeeze, we'll find out why and fix it — without killing your growth in the process.

Whether you're in Worcester, Birmingham, or anywhere across the Midlands, getting cashflow right is the single biggest thing you can do for your peace of mind.

Growth Strategy & Scaling Your Business

Growth feels great until it breaks something. Hire too fast and your margins disappear. Expand too slowly and a competitor eats your lunch. The trick is scaling at the right pace, with the right numbers behind every decision.

We help small businesses across Worcester and Birmingham figure out what growth actually looks like for them. Not theory — practical, financially grounded plans. Should you take on that new contract? Can you afford another hire? Is it time to open a second location? We'll run the numbers so you can decide with confidence.

And as you grow, we'll make sure your systems keep up. Better reporting, tighter controls, smarter processes — the back-office stuff that lets you scale without chaos.

Management Accounts & KPI Reporting

If the only time you see your numbers is at year end, you're driving blind. By the time your annual accounts land, problems are months old and opportunities have already passed. That's why the smartest business owners get monthly management accounts — a clear snapshot of how things are really going.

We don't just hand you a profit and loss statement. We build KPI dashboards tailored to your business. Running a service company? We'll track project profitability and utilisation. Retail? Sales per square metre and stock turnover. The metrics that matter for your business, not generic reports that gather dust.

For business owners across Worcester and Birmingham, this is the shift from reactive accounting to proactive management. You stop reacting to what happened and start anticipating what's coming.

Business Acquisition & Disposal

Buying or selling a business is probably the biggest financial decision you'll ever make. Get it wrong and you're stuck with hidden debts, overvalued assets, or a tax bill that wipes out your profit. Get it right and it's transformative.

If you're buying, we'll dig into the real numbers — not just what's presented on the surface. We'll find the liabilities, verify the revenue, and help you structure the deal to minimise risk and tax. If you're selling, we'll get your books in order, set realistic expectations, and position your business to attract the best possible offer.

Business owners across Worcester and Birmingham who prepare properly with us consistently achieve better valuations and smoother transactions. It's the kind of work where good accounting advice pays for itself many times over.

Succession Planning & Business Continuity

One day you'll want to step back. Whether that's retirement, handing over to family, or selling up entirely — the businesses that get the best outcomes are the ones that started planning years in advance.

Succession planning isn't just about picking your replacement. It's about tax-efficient ownership structures, building a management team that doesn't depend entirely on you, documenting the things only you know, and making sure your retirement is financially secure. We coordinate with your solicitors and tax advisors to make sure every piece fits together.

For business owners across Worcester and Birmingham, this is one of the most valuable things we do. It reduces stress, increases your business value, and gives you a clear path to the future you want.

Funding & Grant Applications

Great businesses get turned down for funding every day — not because they're bad bets, but because their financial presentation doesn't stack up. Banks and investors want to see clear numbers, realistic forecasts, and evidence that you know your business inside out.

We help business owners across Worcester and Birmingham put together loan applications, investor packs, and grant proposals that get taken seriously. We'll also help you figure out which type of funding is right for you — bank debt, equity, angel investment, or something else entirely.

If you're eligible for government grants — R&D tax relief, innovation funding, regional development schemes — we'll identify the opportunities and prepare applications that hit every criteria. It's free money if you qualify, and we'll make sure your case is as strong as it can be.

Bank Finance

Loan applications & documentation

Equity Investment

Pitch decks & investor models

Government Grants

R&D relief & innovation funding

Alternative Finance

Crowdfunding & peer-to-peer

Supporting Services

Good advice needs good data. Most of our consulting clients also work with us on bookkeeping and tax preparation, so everything stays joined up — your strategy, your numbers, and your tax position, all working together.

Why Small Businesses Choose Severn

Qualified Expertise

ACCA-qualified accountants with real-world business experience. We've seen what works and what doesn't across dozens of sectors.

Local Presence

Worcester and Birmingham offices, with deep roots in the local business community. We're your neighbours, not a faceless firm.

Sector Experience

Construction, property, charities, retail, services — we understand your industry, not just your accounts.

Personal Attention

You'll work directly with experienced accountants who know your name and your numbers. No handoffs, no runaround.

Simple, Transparent Pricing

Initial

FREE

Discovery Consultation

60-minute strategy session
Business challenges assessment
Custom engagement proposal
No obligation

Let's Talk About My Business

Project

From £1,500

Defined Scope Work

Business plan development
Financial forecasting models
Acquisition due diligence
Fixed-fee engagement

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Retainer

From £500/month

Ongoing Advisory

Monthly strategy sessions
Management accounts & KPIs
Unlimited email support
Priority access to consultants