Full-stack Finance.
For you.
Think of finance as a pyramid, where each layer supports the one above it.
Traditionally, you needed a whole finance team—bookkeepers, analysts, and a full-time CFO—to cover each tier. At Harf, we’ve reimagined that approach, giving you full access to every layer without the overhead.
We recognise you might not need every layer right now or in a strict sequence, so our flexible offerings meet you wherever you are on your growth journey.
How It Works: Building a Strong Financial Stack
Seamless Transactions: Transacting
Buy, sell, and move money with ease.
What It Involves: Entering into agreements, issuing/collecting invoices, and maintaining smooth cash flow.
Why It Matters: Setting up efficient transactions minimises confusion and ensures accurate records from day one.
Keep It Real: Record Keeping
Accurate books that fuel better decisions.
What It Involves: Tracking every transaction (bank/credit card activity, payroll, expense classification) and reconciling them consistently.
Why It Matters: Reliable records pave the way for trustworthy reporting and smarter financial planning.
Confidence in Your Number: Trusted Reporting
Turn raw data into a clear financial pulse.
What It Involves: Generating regular statements, staying compliant on taxes, integrating fintech solutions, and detecting trends or red flags.
Why It Matters: Trustworthy reports give you the confidence to act decisively and spot issues before they escalate.
Plan for Tomorrow: Financial Planning
Chart a course for sustainable growth.
What It Involves: Budgeting, forecasting, KPI tracking, performance targets, and scenario planning.
Why It Matters: With solid data behind you, you can strategise effectively, allocate resources wisely, and adapt quickly to market changes.
Aim Higher: Strategic Partnering
Elevate your financial strategy, unlock big opportunities.
What It Involves: Capital structure optimisation, fundraising, M&A, long-term planning, pricing/product strategy, and investor relations.
Why It Matters: Tapping into strategic expertise at this level can transform your business trajectory, bringing you closer to ambitious goals.
How Harf’s Services
Fit In
Each layer of this pyramid is essential, but you may not need every layer all at once—or in the same order. That’s why Harf’s offerings are structured to help you wherever you are:
Bookkeeping Essentials – Aligns with Transacting and Record Keeping, ensuring your daily operations and record-keeping processes are accurate and automated.
Insights – Powers Trusted Reporting and the early stages of Financial Planning, giving you the data, metrics, and forecasts you need for confident growth.
Full-stack – Elevates Financial Planning and steers Strategic Partnering, offering high-level guidance without the cost of a full-time CFO.
Strategic Solutions – Supports specialised needs at the Strategic Partnering tier (think M&A, fundraising) or anything else you may need, on demand.
No matter which tier is your focus, we make sure the layers beneath it are sturdy—so you can seamlessly scale up (or down) as your business evolves. It’s a flexible approach designed to give you the benefits of a full-stack finance team, on your terms, every step of the way.
Ready to Elevate Your Finance?
Welcome to Harf. Welcome to a brighter financial future—no fuss, just growth.