Financial & Business Advisory | Mbiyu Muhia & Associates
Financial & Business Advisory

Financial & Business Advisory

Strategic guidance to accelerate profitability, secure financing and navigate your next phase of growth — from Thika's trusted financial advisors serving businesses across Kenya.

20+Years Advisory Experience
ICPAKLicensed Advisors
15%+Avg. EBITDA Improvement
SMEsNGOs, Corporates & Start-ups
Business advisory strategy session
About This Service

Strategic Financial Advice That Drives Real Business Growth

Every business hits moments where financial decisions become critical — a growth opportunity, a cash crisis, a restructuring need, or an M&A prospect. Our senior advisors bring deep financial expertise and an objective outside perspective to help you make the right call, every time.

  • Annual budgets and multi-year financial forecasting models
  • Business valuation for sales, acquisitions and investor negotiations
  • Cash flow optimisation and working capital management
  • Financial due diligence for mergers, acquisitions and partnerships
  • Funding strategy and lender negotiation support
  • Cost reduction programmes that protect quality and competitiveness
Book a Strategy Session
What's Included

Our Advisory Services

End-to-end financial and strategic advisory — tailored to where your business is today and where you want it to go.

Budgeting & Financial Forecasting

Realistic annual budgets and multi-year cash flow forecasts aligned to your strategic objectives, market conditions and funding requirements.

Financial Modelling

Sophisticated, scenario-driven financial models for investment decisions, valuations, expansion planning and board or investor presentations.

Cash Flow Management

Optimise working capital — accelerate receivables, extend payables strategically and build a cash buffer that protects your business in any season.

Business Valuation

Independent business valuation using multiple methodologies (DCF, market multiples, asset-based) — for sales, acquisitions, shareholder disputes or investor negotiations.

M&A Advisory

End-to-end support for mergers, acquisitions and divestitures — target identification, financial due diligence, deal structuring and post-merger integration advice.

Financing & Capital Raising

Structure and package your financing requirement for banks, development finance institutions, private equity or angel investors — and negotiate on your behalf.

Cost Reduction Programmes

Identify sustainable cost savings across procurement, operations, staffing and overheads — without sacrificing service quality, team morale or competitive position.

Business Restructuring

Guide operational and financial restructuring for businesses under stress or in transformation — protecting value and creating a viable path forward.

The Value We Create

Measurable Financial Outcomes

Our advisory engagements are structured around tangible results — not just reports and recommendations.

15–25% Average EBITDA improvement across advisory clients
30%+ Working capital cycle reduction through cash flow optimisation
Increase in successful financing applications with our preparation
90 days Typical time to first measurable financial improvement
Deep-Dive Advisory

Four Pillars of Our Advisory Work

Whether you're growing, struggling, restructuring or planning an exit — our advisory covers every dimension.

Growth & Expansion

Plan geographic expansion, new product lines or market entry with financial feasibility studies and risk-adjusted projections.

  • Market sizing and revenue modelling
  • Investment requirement analysis
  • ROI and payback period projections
  • Competitive positioning strategy

Financial Turnaround

For businesses experiencing cash stress, declining margins or over-leverage — we create a clear stabilisation and recovery plan.

  • Root cause financial diagnosis
  • Emergency cash flow management
  • Creditor and lender negotiation
  • Operational right-sizing plan

M&A & Transactions

Navigate acquisitions, mergers and divestitures with expert financial due diligence and valuation support at every stage.

  • Financial due diligence reports
  • Business and asset valuation
  • Deal structure negotiation
  • Post-merger integration advice

Capital & Financing

Secure optimal financing through banks, DFIs or equity investors — with professionally packaged proposals that win approvals.

  • Bankable business plans & models
  • Debt vs equity structuring advice
  • Lender and investor pitching support
  • Grant and DFI application assistance
Our Approach

How We Work With You

A structured, collaborative engagement process that delivers results — not just documents.

1

Discovery & Diagnosis

Deep dive into your financials, strategy and challenges to define the opportunity.

2

Strategy & Modelling

Build financial models and a clear strategic roadmap with prioritised actions.

3

Implementation Support

Work alongside your team to implement recommendations — not just hand over a report.

4

Monitor & Optimise

Track KPIs, measure outcomes and refine the approach as results emerge.

Who We Serve

Industries We Advise

Our advisory spans sectors — bringing cross-industry insight to every engagement.

Manufacturing
Retail & Trade
NGOs & CBOs
Construction
Healthcare
Education
Agribusiness
Technology

Why Choose MMA for Financial Advisory?

We're not consultants who deliver reports and disappear. We work alongside your leadership team to implement recommendations and track results. Based in Thika with 20+ years serving businesses across Murang'a, Kiambu and Nairobi — we combine international-standard methodology with deep local market knowledge.

About Our Firm
  • Results-Focused — We measure success by your financial outcomes, not our deliverable count
  • Senior Advisors Only — Your engagement is led by a senior ICPAK-licensed professional throughout
  • Deep Local Knowledge — Kenya's tax, regulatory and financing environment fully understood
  • Plain-Language Advice — Complex financial analysis translated into clear decisions and actions
Common Questions

Frequently Asked Questions

How is financial advisory different from accounting or audit services?
Accounting and audit look backward — recording what happened and verifying its accuracy. Financial advisory looks forward — helping you make better decisions about where your business is going. We use your financial data as a starting point to build strategy, models and action plans for growth or recovery.
My business is struggling with cash flow — can you help?
Yes. Cash flow problems are among the most common issues we address. We diagnose the root cause (overtrading, slow debtors, poor pricing, high overheads, etc.), build a 13-week cash flow model, and implement practical fixes — from debtor acceleration to supplier renegotiation and cost reduction.
Can you help us prepare a business plan for a bank loan?
Absolutely. We prepare bankable business plans and financial projections that meet the exact requirements of Kenyan commercial banks and DFIs like KCB, Equity, NCBA, ABSA, IFC and AfDB. We also advise on the optimal loan structure and negotiate terms on your behalf where required.
How do you value a business in Kenya?
We use internationally recognised valuation methodologies — Discounted Cash Flow (DCF), Earnings Multiples (EBITDA), Net Asset Value and Market Comparables — weighted appropriately for your industry, stage and purpose. For regulated sectors, we also apply sector-specific approaches required by KRA or the Capital Markets Authority.
Do you work with startups as well as established businesses?
Yes. We work with businesses at all stages — from pre-revenue startups needing a fundable business model and pitch deck, to established SMEs optimising profitability, to larger businesses managing M&A or restructuring. Our engagement scope and fee structure adapts to the size and complexity of your situation.

Ready to Accelerate Your Financial Performance?

Book a confidential strategy session with our senior advisors and get clarity on your biggest financial opportunity or challenge.