Corporate

OFferings

Advisor/Partner for Ambitious Companies and Families

We help founders, leadership teams and multi-generational families protect value, improve governance and scale with confidence. Our corporate offerings align three critical pillars—Virtual Finance Officer (VFO), Debt & Loans and Business Insurance—so you can make faster, better decisions with complete oversight.

VIRTUAL fiNANCE Officer (vfo)

A flexible CFO-level partner for your business without the overhead of a full-time hire.

What it solves
Gaps in financial strategy, unclear cash flow forecasting, and limited board-level financial insight.

What you get:

  • Financial strategy & oversight: Budgeting, forecasting, KPI design, and scenario planning.

  • Board-ready reporting: Monthly and quarterly packs with clear financial insights.

  • Cash flow & working capital: Monitoring, modelling, and practical solutions.

  • Coordination with advisors: Accountants, auditors, and tax teams aligned under one framework.

Outcomes
Sharper financial decision-making, stronger investor confidence, and disciplined cash management.

Debt & Loan

Non-dilutive funding solutions for ambitious businesses.

We see directors and shareholders seeking alternative sources of non-dilutive funding more and more often. Sourcing debt finance can often be the hardest part of the journey, so we provide access to a panel of over 100 lenders to help clients secure the right facility. In addition, Legacy also lends its own capital directly to clients.

Products on offer include (but are not limited to):

  • Term Debt

  • Invoice Finance / Factoring

  • Mortgages (regulated or non-regulated)

  • Venture Debt

  • Convertible Notes

Benefits
Flexible solutions, wider lender access, and the ability to secure growth capital without equity dilution.

BUSINESS INSURANCE

The following insurances help business protect themselves; their investors and their family were they to become ill or die. It makes the business more investable as well as disaster proof.

Relevant Life

This is a death in service policy for Directors of smaller businesses. The policy is a very tax efficient way of paying for life assurance and the total savings are around 50%. This is because the cost is a business expense and does not count as a benefit in kind or a P11D. The benefit is purely for that of the family of the director.

Key Person Insurance (KPI)

This protects the business were one of the main drivers of the business to die. The company can directly insure profits due to one person so that they could replace them with another salaried individual without having to give away any more equity. As well as giving the company itself the confidence of knowing they could continue in this scenario it gives investors the same confidence that the business could continue too.

Cross Option Agreement

An agreement between shareholders and spouses that were the worst-case scenario to happen the company would buy the shares that had passed to any directors spouse at a certain value. This is an agreement put in place whilst the business is going well (obviously with the hope that this would never happen) where agreements made are much easier. Worst case scenario is dealing with a family that are mourning and trying to buy the shares back off them