Move fast. Stay compliant. Raise with confidence. Specialist startup accountants for UK founders, SaaS, agencies and early-stage businesses — from formation to fundraising. R&D Tax Relief Nella AI Finance Assistant SEIS / EIS & Fundraising Cloud Accounting Director Tax Planning Fixed Monthly Fees
Most founders don’t start with the wrong accountant — they start with one that was never built for how startups operate.
You only hear from your accountant at year end — no proactive advice, just a tax bill and a deadline.
Spreadsheets, bank feeds and receipts scattered across platforms. No single source of truth.
Generic advice for traditional businesses — no grasp of SaaS, recurring revenue, burn or runway.
No management accounts, no financial model, no investor-ready reporting when the round comes.
No salary vs dividend plan, no Corporation Tax strategy, and R&D relief you may be missing entirely.
Paper receipts, manual bank reconciliation and quarterly VAT panics that eat your time.
We don’t just file your accounts — we build the financial infrastructure your business needs to grow, raise and scale.
As specialist accountants for startups, AccTek combines everyday startup company accounting with the strategic advice founders actually need. From accounting for tech startups navigating R&D relief and SEIS/EIS, to accounting for startups still finding product-market fit, having a dedicated accountant for startups from day one keeps you investor-ready and tax-efficient.
Quarterly tax planning, monthly check-ins and real-time dashboards. We flag opportunities and risks before they become problems.
Xero as standard — automated bank feeds, receipt capture, invoicing and reporting from day one.
We use AI to accelerate bookkeeping, anomaly detection and reporting — so our team spends more time on strategy via the Nella.
From company formation through product-market fit to Series A readiness — we scale with you.
R&D claims, SEIS/EIS structuring, EMI options and investor-ready reporting — built before you raise.
One fixed monthly fee, no jargon and fast responses by Slack, email or call — however you work best.
Nella is the AI assistant inside the AccTek Finance Lab. Message her like you'd text a colleague and she answers from your real, reconciled Xero numbers — in seconds, any time. She understands startup finance, burn rate, runway and investor metrics, and she knows exactly where her job ends and your accountant's begins.
WhatsApp
Slack
AccTek Portal
ChatGPT
Real questions founders ask — answered from your own live numbers.
Illustrative examples · Nella answers; your chartered accountant signs off.
“Nella is brilliant. I get answers in seconds, not days. The team is proactive, helpful and genuinely understands startups.”
Founder — E-commerce Platform
“They formed the company, set up Xero properly and had our books investor-ready before we even started the raise. Due diligence was painless because the numbers were clean.”
Co-founder — Creative agency
“Proactive tax planning and a real human who replies the same day. They restructured my salary and dividends and walked me through SEIS for our angel round.”
Director — Tech startup
Real-time visibility and better decision making
Every AccTek startup package includes the core services founders actually need — with no hidden extras.
We connect your accounting, banking and business systems in one place. Our AI identifies risks, opportunities and tax-saving insights, while your accountant provides the context and advice to act on them.
Securely connect your accounting, banking, CRM and business apps.
Our AI analyses your data 24/7 to uncover trends, risks and tax-saving opportunities.
Your dedicated accountant applies expert judgement and business context.
Actionable recommendations so you can save tax, improve cash flow and grow.
Ask questions 24/7 in natural language and get instant finance insights without leaving your workflow.
Access dashboards, reports, forecasts and business insights in one secure place.
Technology should make financial advice more accessible, not more complicated.
A startup accountant is an accountant who specialises in working with early-stage and high-growth UK businesses — from company formation through to scaling, fundraising and beyond. Unlike traditional accountants who focus primarily on year-end compliance, a startup accountant provides proactive tax planning, real-time financial reporting, cloud accounting setup and strategic finance support tailored to how founders actually work.
AccTek is a UK startup accountant built for speed, clarity and growth. We combine qualified expertise (ACA) with cloud-first technology and AI-enhanced workflows to give founders the financial visibility they need — without the overheads of a traditional finance team.
Startup accounting fees in the UK typically range from £100 to £300+ per month, depending on the complexity of your business, transaction volume, number of employees and services required.
AccTek offers transparent, fixed-fee packages. No hourly billing surprises. No hidden charges.
| Traditional Accountant | AccTek (Modern) | |
|---|---|---|
| Communication | Annual or quarterly | Monthly check-ins, real-time messaging |
| Software | Desktop or legacy tools | Xero cloud accounting as standard |
| Tax planning | Year-end retrospective | Proactive, quarterly planning |
| Reporting | Annual accounts only | Monthly management accounts, dashboards |
| Automation | Minimal | AI-enhanced workflows, automated bank feeds |
| Startup expertise | Generalist | SaaS, agencies, tech, consultancies |
| Company formation | Referral or basic | Full setup — Companies House, HMRC, Xero, payroll |
| Investment readiness | Not typically offered | Financial modelling, due diligence, board packs |
| R&D tax relief | Often missed | Proactively identified and claimed |
| Pricing | Hourly or opaque | Fixed monthly fee, transparent |
Incorporating, choosing a structure and setting up the basics.
Revenue is arriving, but the financial picture is getting complex.
Prepare for investment and present your business with confidence.
Whether you’re raising from friends and family, angel investors or venture capital firms, having the right financial foundations can improve credibility, speed up due diligence and help you secure funding on better terms.
We help founders understand their numbers, communicate clearly with investors and build the financial foundations required for sustainable growth.
Hiring, spending and growing. Finance needs to keep pace.
Raising a round changes everything.
Yes. Every UK limited company has legal obligations to file annual accounts with Companies House, submit a Corporation Tax return to HMRC, and maintain accurate financial records. Getting this wrong leads to fines, penalties and missed tax savings.
But beyond compliance, a specialist startup accountant helps you:
A general accountant can file your returns. A startup accountant helps you build a financially healthy business.
Startup accounting fees typically range from £100 to £300+ per month depending on transaction volume, payroll, VAT status and complexity. AccTek offers fixed-fee packages with no hidden charges. Get a personalised quote.
Xero is the leading cloud accounting platform for UK startups. It offers automated bank feeds, real-time reporting, MTD compliance, receipt capture and integrations with hundreds of business tools. AccTek sets up and manages Xero for every startup client.
You must register for VAT when your taxable turnover exceeds £90,000 in any rolling 12-month period. Some startups register voluntarily before hitting the threshold — for example, to reclaim VAT on equipment and software purchases.
Most limited company directors pay themselves a combination of a low salary (typically £12,570 for 2026/27 — the Personal Allowance level) plus dividends from retained profits. This minimises National Insurance while maintaining tax efficiency. The optimal split depends on your individual circumstances.
R&D tax relief is an HMRC scheme that allows UK companies to claim tax credits for qualifying research and development expenditure. Startups developing new products, processes or software may be eligible. The SME scheme provides enhanced deductions or a payable tax credit for loss-making companies.
A startup accountant handles compliance (annual accounts, Corporation Tax, VAT, payroll), tax planning (salary vs dividends, R&D claims, Corporation Tax strategy), cloud accounting setup (Xero, bank feeds, automation), and strategic support (forecasting, investor readiness, management accounts).
Yes. AccTek helps founders incorporate limited companies with Companies House, register for Corporation Tax with HMRC, set up PAYE and payroll, configure Xero, and establish the full financial infrastructure from day one.
A bookkeeper records transactions — categorising expenses, reconciling bank feeds and maintaining your ledger. A startup accountant does that plus tax planning, compliance filings, strategic advice, financial forecasting and investor readiness. AccTek provides both as part of every package.
Investors expect clean financial records, monthly management accounts, a credible financial model and clear KPI tracking. A startup accountant helps you build these systems well before you start fundraising — so you’re ready when the opportunity comes.
Yes. AccTek works with SaaS businesses, tech startups, agencies, consultancies and professional services firms. We understand recurring revenue models, burn rate, MRR/ARR tracking, R&D tax relief for software development, and the financial infrastructure scaling businesses need.
Key reliefs include R&D tax credits (SME scheme), the small profits Corporation Tax rate (19% on profits up to £50,000 for 2026/27), capital allowances on equipment and technology, Employment Allowance (£10,500 for eligible employers), and VAT reclaims on pre-registration expenses.
Accountants for tech startups deal with positions a general practice rarely sees: R&D tax relief on software development, SEIS and EIS advance assurance ahead of a funding round, EMI share option schemes for early hires, and revenue recognition on SaaS subscriptions billed annually but earned monthly. They also model runway forward rather than only reporting the year just closed — investors and boards ask what your cash position looks like in nine months, not what last year’s Corporation Tax bill was. AccTek’s startup work is led by Godwin Pinto ACA.
From incorporation to your Series A, everything a UK founder needs in one place — guides, calculators and specialist support, all written by our qualified team for the 2026/27 tax year.
Scaling beyond compliance?
As your startup grows, you may need more than accounting — runway forecasting, board packs, SEIS/EIS structuring and investor-ready reporting.
Explore Fractional CFO for Startups →Cloud accounting. Proactive tax planning. Real-time visibility. Fixed fees.
This page is for general information only and does not constitute tax advice. All tax rates are for the 2026/27 tax year. Individual circumstances may vary — contact AccTek for personalised advice. Content by Godwin Pinto, ACA, ICPA.
AccTek is a member firm of the Institute of Certified Practising Accountants (ICPA). Our accountants have a wide range of qualifications and accreditations from trusted professional bodies such as the AAT, ICPA, and ACCA.
