Fractional CFO for UK Amazon FBA Brands

Vertical-specific fractional CFO services for UK Amazon FBA brands. SKU-level profitability, PPC tied to contribution, settlement-report rebuild, and pan-European VAT.

The Amazon data problem

An Amazon FBA brand at £3m of annual revenue produces something in the order of sixteen distinct data sources that need to be reconciled to produce a true P&L: the settlement report, FBA fee preview, FBA storage fees, long-term storage fees, removal and disposal fees, inbound transport, returns, refund administration, advertising, brand registry, vendor central if applicable, and the marketplace-collected VAT lines, repeated across every marketplace. No native dashboard reconciles them. The first job of a CFO is to build the reconciliation.

SKU-level decisions, not catalogue-level averages

Most Amazon brands manage at the catalogue level because that is what the platform shows them. SKU-level decisions require allocating every fee, every return, and every PPC pound to its ASIN. Once that is done, the typical catalogue splits into three roughly equal tiers: ASINs that print money, ASINs that break even, and ASINs that are quietly losing money. The middle and bottom tiers are usually funded by the top tier, often without the founder realising. The decision to cull, reprice, or re-position the bottom tier is one of the highest-ROI decisions a CFO can take an Amazon brand through.

PPC tied to contribution, not ACoS

ACoS (Advertising Cost of Sales) is the industry default metric. It is also a vanity number unless you tie it to contribution margin per ASIN. A 25% ACoS on an ASIN with 40% contribution margin is profitable; the same ACoS on an ASIN with 22% contribution margin is loss-making. The CFO version of the PPC review is one tab per ASIN, with incremental contribution as the only column that matters.

16+
Distinct Amazon data sources required to produce a reconciled FBA P&L at SKU level for a UK brand.
33%
Of a typical FBA catalogue is quietly loss-making once fees, storage, and fair-share PPC are allocated.
5–10 pts
Typical contribution-margin gap between the catalogue-level settlement view and a rebuilt SKU-level view.

Frequently asked questions

How is Amazon FBA finance different from Shopify finance?
Shopify gives you the customer relationship and most of the data; Amazon gives you the channel and almost none of the data in a usable shape. Amazon CFO work is dominated by data engineering: turning settlement reports, FBA fee schedules, PPC exports, and inventory reports into a P&L. Shopify CFO work is dominated by attribution and channel-mix decisions.
What do you do about pan-European VAT?
We model the VAT obligation per marketplace, track the OSS / IOSS impact, and reconcile the seller-collected versus marketplace-collected VAT lines in the settlement file. Tax advice for filings sits with your accountant; the financial impact sits with us.
Aggregator buyers, PE, or strategic — who is the likely exit?
Aggregator buyers became selective post-2022 and now look for sub-£10m TTM SDE brands with category leadership. PE looks higher. Strategic buyers are increasingly active where a brand has built a defensible category position. Exit prep differs at the margin.
Written by William Smithwhite, Founder and Fractional CFO.
Last updated 2026-05-22.