Strategic Finance Consultancy

Strategic finance, stripped back.

Naked Finance delivers institutional-quality financial intelligence to ambitious businesses, without the Big 4 price tag or process overhead.

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BackgroundKPMGACCA QualifiedMICBNEOMBAE SystemsGridlines

Credentials & Experience

KPMG· Financial Modelling Manager

ACCA· Fully Qualified

MICB· Certified Bookkeeper

NEOM· Strategic Project Experience

10+ Years· Senior Finance Experience

Big 4 Financial Modelling· Trained & Qualified

FAST Financial Modelling· Experienced

ICAEW Financial Modelling Code· Experienced

M&A· Transaction Support

Buy & Sell Side· Deal Support

Strategic Finance Intelligence

See how decisions shape business outcomes.

Adjust the assumptions below and watch the financial model update in real time. Strategic finance is about understanding how decisions, assumptions and uncertainty shape outcomes.

Actuals

→

Forecast

→

Insight

→

Action

Scenario

Adjust assumptions

Revenue Growth15%

0%40%

Gross Margin50%

25%75%

Monthly Hires1

03

Cost Inflation5%

0%15%

Illustrative model. Starting cash £1m. Base revenue £200k/month. Outputs update in real time as assumptions change.

Cash Runway

12m+

months remaining

EBITDA Margin

-23.9%

at month 12

Cash at M12

£582k

projected balance

Risk Level

Low

liquidity risk

12-Month Cash Position

Stable position. EBITDA improvement is the priority.

Cash runway extends beyond the forecast period, but the business is still burning at month 12. Improving gross margin from 50% or moderating cost growth would accelerate the path to profitability.

Want to model your actual business?

Discuss your assumptions, scenario planning and financial outlook directly with Melissa.

Book a strategic finance review

The Problem

Most businesses are data-rich and insight-poor.

Finance functions are generating more reports than ever. Fewer are leading to better decisions.

The problem isn't a lack of data. It's a lack of the right model, the right narrative, and the right strategic frame around the numbers.

Reports take weeks. Decisions can't wait.

Finance functions are producing more output than ever, but the time it takes to consolidate, review, and present means decisions are made on stale data.

Numbers exist. Clarity doesn't.

Most businesses have access to their financials. Very few have a clear, confident picture of what those numbers mean for the future.

Strategy and finance speak different languages.

Leadership teams make bold decisions. Finance teams produce reports. The gap between them is where value is lost.

Models built to survive audit, not to drive action.

Spreadsheet models that function as filing systems rather than decision tools. Locked, fragile, and trusted by no-one.

What We Do

Strategic finance, built around your decisions.

View all services →

Financial Modelling

Integrated, decision-ready financial models built to withstand scrutiny.

Strategic Advisory

Financial intelligence that connects your numbers to your decisions.

FP&A Support

Streamlined planning, forecasting, and analysis that drives insight.

Board Reporting

Clear, credible board packs that tell the story behind the numbers.

Scenario Planning

Structured scenario models built for real decisions, not presentations.

Fundraising & Investor Models

Institutional-quality models that survive due diligence and support your narrative.

Fractional Finance Leadership

Senior finance expertise, embedded in your business, on your terms.

The Naked Finance Approach

From actuals to action.

A rigorous, repeatable process that turns financial data into strategic clarity.

01

Understand

We start by understanding your business, your decisions, and your data. No templates. No assumptions.

02

Model

We build or enhance your financial model: integrated, flexible, and built for decisions, not just reporting.

03

Analyse

We run scenarios, stress tests, and variance analysis to surface the insight that actually matters.

04

Direct

We translate analysis into clear recommendations. Numbers become narrative. Narrative becomes action.

Melissa Whipp, founder of Naked Finance

ACCA · MICB

About Melissa

Senior-led. No layers. No bloat.

Melissa Whipp ACCA, MICB is the founder of Naked Finance. With a background in financial modelling at KPMG, Head of FP&A roles, and strategic modelling experience on projects including NEOM, she brings Big 4 rigour without Big 4 process overhead.

Naked Finance exists because most growing businesses deserve institutional-quality financial intelligence. Most don't have access to it without hiring a large firm.

KPMG Financial Modelling Manager
Head of FP&A
ACCA Qualified
MICB Certified
NEOM Strategic Project Experience
Regulated Industry Background

Read more about Melissa

Selected Experience

Representative engagements.

InfrastructureStrategic ModellingScenario Planning

Infrastructure & Strategic Development

Strategic financial modelling and investment-case development across large-scale infrastructure and cultural-asset programmes within a major international development initiative.

Long-term scenario modelling and investment appraisal across multiple programmes
Strategic planning support and financial validation in complex environments
Capital allocation analysis balancing ambition, feasibility and risk
Stakeholder review processes and governance-level reporting
Navigating competing priorities within large-scale development frameworks

Major international development initiative

Capital MarketsM&ABoard Reporting

Post-Merger Finance & Reporting

Post-merger financial modelling and reporting support within a major listed-market infrastructure environment as part of a wider consulting engagement.

Financial model development and integration reporting support
Data validation and operational impact assessment
Stakeholder analysis for leadership teams during integration activity
Cross-functional coordination across reporting and finance workstreams
Maintaining accuracy and governance standards throughout transition

Listed-market consulting engagement

TelecommunicationsTransformationScenario Planning

Telecommunications Carve-Out & Transformation

Financial modelling and carve-out support within a complex telecommunications environment undergoing operational and structural transition.

Separation modelling and carve-out scenario analysis
Operational forecasting across transitional business structures
Strategic assessment of financial impacts during structural change
Reporting support under evolving assumptions and incomplete information
Managing significant strategic complexity across interdependent workstreams

Complex operational transition programme

FP&ABoard ReportingStrategic Modelling

Strategic FP&A & Board Reporting

Design and implementation of FP&A, forecasting and board reporting frameworks for growing and mid-market businesses requiring greater financial visibility.

Rolling forecast design and driver-based financial modelling
KPI frameworks and cash flow visibility for leadership teams
Board-pack development focused on clarity and strategic insight
Scenario planning to support high-value operational decisions
Improving decision quality and organisational alignment, not reporting volume

Growing and mid-market businesses

All engagements anonymised in accordance with professional obligations. Delivery context and organisational detail withheld.

Under Development

The Business Operating System.

BOS is the layer between your accounting data and your strategic decisions. It replaces the fragmented spreadsheet stack with a single, intelligent operating environment for your finance function.

Currently under development. Built on the same philosophy as the consultancy: clarity over complexity, insight over output.

Learn about BOS

01

Import Actuals

Connect to your accounting data

02

Build Forecasts

Driver-based, rolling forward

03

Model Scenarios

Multiple futures, on demand

04

Generate Insight

Variance, narrative, context

05

Create Actions

Decisions, not just reports

Let's talk

Ready for strategic clarity?

Book a free discovery call and find out how Naked Finance can transform the way your business makes financial decisions.

Book a Discovery Call Explore Services

No commitment. No sales pitch. Just a conversation about your business.