Financial advisory · South African SMEs
Run your business
like it has a boardroom.
J&W is a full-service financial advisory practice for South African SMEs — the technical rigour of a CA(SA), the commercial instinct of a structured-finance practitioner. More strategic than your bookkeeper. More accessible than the Big Four.
The gap in the market
Between the bookkeeper and the Big Four, there's a gap.
The compliance accountant keeps you legal but not strategic. The Big Four are strategic but priced for corporates. South African SMEs are left choosing between too little and too much — J&W is built for exactly that gap.
The compliance accountant
Keeps the books and files the returns. Looks backwards. Strategy isn't on the invoice.
J&W
Boardroom-grade financial thinking, scaled and priced for the businesses that actually build this country.
The Big Four CFO suite
Deep strategy, corporate price tag. Built for boardrooms that already exist.
What we do
One practice. Four pillars.
Each pillar stands on its own — together they take a business from surviving on its bank balance to operating like it has a CFO.
Cash Flow & Working Capital
The flagship. Working capital cycle audits, debtor and creditor term negotiations, pricing and margin architecture — and capital facilitation through a network of invoice discounting and trade finance providers. Fast, visible results.
Explore →Tax & Compliance
SARS eFiling, VAT, provisional and annual tax, payroll taxes and statutory compliance. Handled on one calendar, never missed — the anchor that keeps your business compliant and your numbers clean year-round.
Explore →Financial Management & Reporting
Management accounts, budgets and forecasts, dashboards and KPI packs. Most owners run on a bank balance; we give you month-end packs and scenario models that actually get used.
Explore →Business & Growth Advisory
Valuations, deal structuring, capital raising support, growth planning and financial due diligence. As you grow, the higher-value work emerges — backed by big-firm deals experience.
Explore →How an engagement runs
Diagnose. Stabilise. Compound.
Diagnose
Most engagements open with a working capital audit — a structured pass through your debtors, creditors, stock and margins. You get a finding-by-finding map of where cash is trapped and what it costs you.
Stabilise
Tax, payroll and statutory compliance move onto one calendar. Month-end becomes a rhythm: management accounts, a cash flow forecast, a KPI pack — visibility you can actually run the business on.
Compound
With clean numbers and freed-up cash, the higher-order work begins — pricing architecture, capital raising, valuations, deals. Advisory that pays for itself.
Where to start
Cash flow is usually the first conversation.
The working capital audit delivers fast, visible results — most owners see exactly where their cash is trapped within the first two weeks.