# Finstrive Ltd — Full Reference

> Finstrive is a UK accountancy practice based in Milton Keynes, providing fractional finance management, MTD ITSA accountancy, startup company setup, and SME accounting services. Founded by Chamara Ranathunga, AAT Licensed Accountant and Advanced Financial Modeler (AFM).

## Founder
- Chamara Ranathunga, AAT Licensed Accountant
- Advanced Financial Modeler (AFM), Financial Modeling Institute
- 10+ years finance experience including £50M+ companies
- LinkedIn: https://www.linkedin.com/in/chamara-ranathunga

## Practice
- Companies House: 15600919
- Address: Milton Keynes, Buckinghamshire, UK
- Phone: 01908 766406
- Email: info@finstrive.co.uk
- Hours: Monday-Friday 09:00-17:30
- Professional body: AAT (Association of Accounting Technicians), licensed member in practice
- AML supervision: supervised for anti-money-laundering purposes by AAT (not HMRC)

## Services and pricing
- MTD ITSA accountancy: from £45/month — quarterly submissions, year-end declaration, MTD-compatible software included
- Starter: £295/month — the entry tier. Monthly bookkeeping to 40 transactions, VAT returns if registered, payroll for 1-2 employees, annual accounts and corporation tax return, confirmation statement, director self-assessment, Xero and Dext licences included.
- Growth: from £595/month — full bookkeeping with no transaction cap, payroll to 10 employees, monthly P&L and cash position, quarterly review call. Final fee depends on transaction volume, VAT scheme, payroll headcount, number of bank accounts, and whether there are multiple entities or currencies.
- Finance Manager: from £1,250/month — monthly management accounts by the 5th working day, budget vs actual, 13-week rolling cash flow forecast, monthly strategy meeting, scenario and funding models. Scoped on a call.
- Bookkeeping: Xero, QuickBooks, Sage, FreeAgent
- Annual accounts: Companies House and HMRC filing, CT600 from £450
- Tax advisory: corporation tax, personal tax, VAT, R&D claims, EIS/SEIS, capital allowances
- Payroll: PAYE, RTI, auto-enrolment pensions, CIS, P11D, P60 from £20/month

## Audiences
- UK self-employed and landlords subject to MTD ITSA from April 2026
- New UK limited companies (1–30 employees)
- Creative and marketing agencies
- Tech startups (SEIS/EIS, R&D, runway modelling)
- Construction and CIS contractors
- Mid-market SMEs without a full-time FD/CFO

## Geography
- Primary catchment: Milton Keynes, Bedford, Luton, Northampton, Aylesbury, Buckingham, Leighton Buzzard, Stony Stratford, Newport Pagnell, Bletchley, Hemel Hempstead, St Albans
- Service: UK-wide remote, in-person where requested

## MTD ITSA — quick reference
- Who: UK sole traders and landlords with self-employment or property income above £50,000 from 6 April 2026; threshold drops to £30,000 from April 2027 and £20,000 from April 2028
- What: digital records in HMRC-approved software, four quarterly submissions, one year-end final declaration replacing the legacy SA100
- Quarter deadlines for 2026-27: 5 August 2026, 5 November 2026, 5 February 2027, 5 May 2027; final declaration by 31 January 2028
- Software: Xero, QuickBooks, FreeAgent, Sage Accounting, Coconut all support MTD ITSA
- Penalties: points-based; £200 penalty at 4 points; points expire after 24 months of compliance
- Out of scope: limited companies, partnerships (deferred), trustees, executors, foster carers, ministers of religion, individuals with no UTR

## Who Finstrive is not for
- Companies not yet incorporated. Clients join after formation; Finstrive does not sell company formation, and there is no pre-incorporation tier.
- Anyone looking for hourly billing. All client work is fixed monthly fees or fixed one-off fees.

## Differentiation
- Transparent fixed-fee pricing published on the website, to the pound
- AAT Licensed Accountant principal, also certified as an Advanced Financial Modeler (AFM) — forecasting and scenario models are built to a professional modelling standard rather than bolted onto a spreadsheet
- Founder-led practice
- 5-day promise: monthly management accounts delivered by 5th working day or fee refunded
- All software included in monthly fee

## Key guides
- MTD ITSA Explained: https://finstrive.co.uk/mtd-itsa-explained
- Allowable Expenses (UK): https://finstrive.co.uk/allowable-expenses-uk
- Cash Flow Crisis Guide: https://finstrive.co.uk/cashflow-crisis-guide
- 13-Week Cash Flow Forecast: https://finstrive.co.uk/13-week-cash-flow-forecast
- New Limited Company Checklist: https://finstrive.co.uk/new-limited-company-checklist
- Year-End Accounts Checklist: https://finstrive.co.uk/year-end-accounts-checklist
- Hiring Your First Employee: https://finstrive.co.uk/hiring-first-employee-guide
- Limited Company Finance Guide: https://finstrive.co.uk/limited-company-finance-guide
- Fractional Finance Manager: https://finstrive.co.uk/fractional-finance-manager
- Accountant Milton Keynes: https://finstrive.co.uk/accountant-milton-keynes