Finance clarity for UK business owners.
Lokaf Advisors helps growing UK SMEs automate bookkeeping, master compliance, and plan scalable growth through fractional CFO support.
UK compliance & AML supervision
ICO, AML, VAT-ready reporting
Cloud-first stack
QuickBooks/Xero/Sage, GoCardless
About Lokaf Advisors
Lokaf Advisors was created to solve a problem many UK business owners silently struggle with: finance operations that are reactive, confusing, or built on outdated processes. We believe that bookkeeping shouldn’t be a cost of doing business — it should be a growth tool.
Our team combines accurate, cloud-based bookkeeping with real financial leadership, giving founders the clarity and confidence they need to make better decisions. Whether you're looking for clean books and VAT filings or a fractional CFO to guide strategy, we provide scalable support built around technology, compliance, and insight.
Technology-first, human-backed — QuickBooks, Xero, Sage, GoCardless, all managed by real finance professionals.
Compliance handled proactively — VAT, payroll, MTD, AML, GDPR, Companies House filings and deadline tracking.
Scalable service model — Bookkeeping only, advisory and reporting, or full CFO—upgrade as your business grows.
Transparent pricing & scope — No hourly surprises, just tiered monthly plans with clear deliverables.
Our mission is simple: give UK business owners the financial clarity they need to grow without the guesswork, stress, or end-of-year surprises.
The Story Behind Lokaf Advisors
Lokaf Advisors was founded after years of working with UK business owners who were growing fast, yet still running finances reactively — relying on overdue bookkeeping, unclear reports, and last-minute accountant conversations. We saw entrepreneurs making decisions without reliable numbers, not because they didn’t care about finance, but because they never had proactive support.
So Lokaf Advisors was built to bridge that gap. We combine cloud-based bookkeeping, smart automation, and strategic fractional CFO support to give owners real clarity not just accounting records. Today, we support UK service businesses, eCommerce brands, and agencies that want financial visibility, not financial guesswork.
Our Mission and Values
We exist to give business owners financial clarity, confidence, and control so decisions can be driven by data, not uncertainty.
Clarity
Numbers should tell a story, not create confusion. We make finance understandable and actionable.
Accuracy
Clean books, timely reporting, and compliance handled before it becomes a deadline..
Growth
Bookkeeping isn’t admin. It’s the financial engine behind scaling a business with confidence.
Our Services
We exist to give business owners financial clarity, confidence, and control so decisions can be driven by data, not uncertainty.
Bookkeeping & VAT
Accurate, automated bookkeeping, VAT filings, and monthly reconciliations.
Payroll & Compliance
Smooth RTI payroll submissions and compliance-ready reports.
Fractional CFO
Strategic cashflow planning, forecasting, and profitability insights.
Clear, scalable pricing aligned with your stage of business growth.
Monthly & Annual billing available (10% discount on annual plans)
Starter
From £250/month
- Monthly bookkeeping & categorisation
- Quarterly VAT review
- Cloud access (Xero/QBO)
- Email support within 48 hours
Standard
From £450/month
- Monthly reconciliations & VAT filing
- Payroll for up to 10 staff
- Monthly management reports
- Priority support (24–48 hrs)
- Quarterly advisory check-in
Enterprise
Custom
- Dedicated senior bookkeeper
- Management accounts & forecasting
- Fractional CFO strategy
- Weekly cashflow review
- Quarterly board pack
| Feature | Starter (From £250/mo) | Standard (From £450/mo) | Enterprise |
|---|---|---|---|
| Monthly Bookkeeping | ✔ | ✔ | ✔ |
| VAT Filing | Quarterly Review | ✔ | ✔ |
| Payroll | — | Up to 10 staff | Unlimited |
| Advisory Meetings | — | Quarterly | Monthly |
| CFO Strategy & Forecasting | — | — | ✔ |
| Support Level | Email (48 hrs) | Priority | Dedicated Manager |
All prices exclude VAT.
Our Process (simple & repeatable)
Discovery (20 mins): Health check and scope.
Onboard: Engagement letter, DPA, set up client in Xero/QBO, link AutoEntry.
Monthly delivery: Bank recs, VAT, payroll, QA review.
Review & advise: Quarterly management call and CFO insights.
Frequently Asked Questions
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We predominantly work with limited companies and LLPs. Pricing is based on volume and complexity, not entity type.
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Most clients are fully onboarded within 5–10 working days, including software setup, bank feeds, transfer of previous records, and compliance checks.
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All plans are monthly with no long-term lock-in. We simply ask for 30 days’ notice to offboard and transfer records cleanly.
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We are ICO registered and operate a GDPR-compliant data management policy using encrypted cloud platforms (Microsoft 365, QuickBooks, Xero). No client data is stored locally.
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We standardise on QuickBooks Online, Xero or Sage, including document capture, GoCardless for payments, and QuickBooks Payroll or Xero Payroll for payroll.
Resources & Templates
Free templates and guides for small business finance.
Client Onboarding Pack
Editable PDF/DOC template for new client setup — includes scope, AML, and GDPR details.
Download Template →Data Protection Policy
A GDPR-compliant policy ready for small firms managing client financial data.
Download Template →Bookkeeping Process Checklist
Standard monthly checklist ensuring consistent bookkeeping and VAT reporting.
Download Template →
Ready for clearer finances and fewer surprises?
Book a free 20-minute call and get a personalised finance health check.