Sectors we work in
Specialist finance support, built around your industry
Construction, creative, and hospitality businesses all face different pressures. We understand the numbers behind each one.
Construction Services
Creative Professionals
Hospitality
Construction Services
Running a construction business means juggling jobs, suppliers and admin, with cash tied up in projects you cannot yet see a return on. Visibility slips fast. You might not know which jobs are actually making money, or only see the full picture months after the decisions were made. Sapphire Finance brings structure back, so you can build with the same confidence in your numbers as you have in your foundations.
What that looks like in practice
- Job and project profitability tracked in real time, so you know which work pays and which does not
- CIS, VAT and payroll compliance handled in the background, with fewer penalties and fewer surprises
- Domestic reverse charge VAT, retentions and staged payments watched closely, since these are where construction businesses trip up most
- Cashflow forecasting built around staged payments and material costs
- Margins tracked across multiple live projects, so pricing comes from real data rather than gut feeling
How We Can Help
Whether you are a sole trader subcontractor or running crews across several sites, we start where your business actually is. That might mean bookkeeping and CIS compliance now, moving into full job costing as you grow. We track profitability job by job, because in construction one bad job can quietly undo the profit from three good ones. And because we work as your finance team rather than just your accountant, you get a sounding board for pricing decisions, not a set of accounts delivered a year after the fact.
"A previous company had left our accounts department in a terrible mess. It took patience, time and empathy to get things shipshape, and Sapphire did a great job of getting us there and keeping us there. They tailor the services to match your business and help you make good choices so the company can grow."
Sam, Phoenix Play
Creative Professionals
Creative businesses thrive on ideas, not spreadsheets. When you are juggling several clients and projects at once, the numbers quietly fall behind. You might be unsure which clients are actually profitable, or find cashflow unpredictable even when you are busy. Busy and profitable are not the same thing. Sapphire Finance brings clarity without slowing you down, so you can keep doing the work that inspires you.
What that looks like in practice
- Profitability tracked by client and by project, because not every piece of work pulls its weight
- Bookkeeping built around irregular income rather than a generic monthly template
- Self Assessment and tax obligations handled ahead of time, not as a last-minute scramble
- Reporting written in plain English, so you can read your own numbers without an accounting degree
- Real margin data behind your pricing, so growth decisions stop being guesswork dressed up as instinct
How We Can Help
We start by understanding how your business actually runs, then build reporting around that rather than forcing you into a rigid structure. For a freelancer that might be simplified bookkeeping and straightforward Self Assessment support. For a studio or agency it usually means monthly profitability snapshots by client. As you grow we move into deeper reporting, helping you price new work with confidence. The aim throughout stays the same: enough financial clarity to make good decisions, without adding admin to your week.
"You need to trust that your finance team is an extension of your own, keeping an eye on the metrics that matter most. Tracy and the team do exactly that. They stay on top of the important numbers and are always happy to trial new approaches to reporting to give me what I actually need."
Kate Sikora, Noble
Hospitality
In hospitality, margins are tight and decisions get made quickly, often without the full picture in front of you. You might have no clear view of cashflow day to day, or find costs creeping up before you spot them. That is what happens when you are too busy running the floor to analyse the books. Sapphire Finance brings structure and visibility behind the scenes, so the numbers stop being a source of stress.
What that looks like in practice
- Real-time visibility of cashflow and performance, not a monthly report that lands too late to act on
- Wages, food and beverage costs tracked properly, where a few points of margin decide the month
- Tronc arrangements handled correctly alongside payroll
- Systems kept accurate automatically, so you never make staffing or pricing calls on stale figures
- Reporting built to be read quickly between shifts, not buried in a spreadsheet nobody opens
How We Can Help
We bring structure to the parts of hospitality finance that slip first under pressure: cashflow visibility, cost control and payroll. As you grow from a single site to several, we scale the reporting with you, so comparing performance across sites stays simple. Whatever stage you are at, the goal is the same. Stronger control over costs and margins, and the confidence to price and staff your business properly.
"I can't stress enough how important the prompt delivery of detailed monthly management accounts has been for our business. Not just the information itself, but the help interpreting it. Nick and I refer to Sapphire as our outsourced FD. We couldn't do without them."
Linda, Tiffin Group
Finding the right plan for you
Three tiers of support, designed to flex as your business grows.
Get in touch
Whatever your sector, the numbers should work for you rather than against you. Get in touch to talk through where your finances currently stand.
