Finance and back-office outsourcing for SMEs.
The day-to-day operations your accountant does not handle, and the managing director ends up doing in a rush: taken care of every month by an external team, with a single point of contact.
In most SMEs the accounting is already outsourced. What is not is everything that happens before it: issuing and sending invoices, knowing who owes what and chasing it, paying suppliers on time, checking the bank, preparing payroll, knowing how much cash there will be three months from now.
Zelo takes on that work on a monthly retainer, remotely, using the tools the business already has. We hand your accountant organised documentation, on time.
Invoicing and collections
Invoice on time, know who owes what and collect methodically, without damaging the customer relationship.
Learn more →Payments and cash flow
Suppliers paid on time, bank reconciled and a 90-day cash flow forecast.
Learn more →Payroll and HR administration
Payroll run on a fixed calendar, holidays and absences up to date, new hires and leavers handled.
Learn more →Reporting and financial management
Monthly report, KPIs, margins and budget: the role of a finance director, shared.
Learn more →Why outsource instead of hiring
A team, not a single person
Holidays, sick leave and departures no longer stop the operation. Knowledge is documented, not kept in someone’s head.
Skills one administrator rarely combines
Invoicing, collections, cash flow, payroll and management reporting, each handled by people who do it every day.
A fixed monthly fee
Scope agreed upfront, no hourly billing and no surprise extras. Six-month contract, renewable.
The numbers reach management
On the 5th of every month, the Zelo Report: what we did and where the business stands, on one page.
Frequently asked questions
What kind of companies do you work with?
SMEs and micro-businesses with a steady flow of invoices, suppliers and receipts, where the managing director combines financial management with everything else or has no one dedicated to it. We work across sectors: services, healthcare, manufacturing, construction, logistics, hospitality.
Do you work on site?
The work is done remotely, with named, revocable access to the tools you already use. Follow-up meetings can be held by video call or, when it makes sense, in person.
Can I outsource just part of it?
Yes. Every proposal is tailored: you can start, for example, with invoicing and collections only and add other services later. The first step is finding where the most friction is.
Further reading
Financial outsourcing vs. an in-house hire: the real math
Most managers compare gross salary to a monthly fee and stop there. The full math, with charges, risk and scalability, gives a different answer.
ManagementWhat your accountant does, what they don't, and who does the rest
Much of the friction between SMEs and their accountants comes from a mistaken expectation about the scope of the work. It's worth separating things out.
OperationsFive signs you need operations, not another piece of software
The most common mistake in a growing SME is not having too few tools. It is having nobody looking at the whole.
Shall we look at where your operations stand?
A first conversation, free of charge, to understand what is in place, what is missing and whether working together makes sense.