Who is
Buhir Rafiq?
Business coach, mentor, and Practice Principal helping owners build controlled growth.
Buhir Rafiq is a Cardiff-based business coach, mentor, and Practice Principal who helps UK business owners make clearer decisions using practical planning, strong numbers, and consistent execution.
Total Books Accountants
Leading since April 2010, supporting owner-managed businesses with tax awareness, management reporting, forecasting, and performance reviews to improve profit and protect cash flow.
RX Virtual Finance Ltd
Founded in 2025 to strengthen finance leadership for growing SMEs, focusing on high-impact decisions like hiring, pricing, and working capital.
"Buhir’s connection with two well-grown company matters is because your coaching does not sit in a bubble. It connects to real reporting, real tax timing, and real operational priorities."
Buhir also brings wider leadership and community experience through his role as a director at the Welsh Refugee Council. He regularly speaks as a guest speaker across educational institutions in Greater Wales, sharing practical insight on business performance, decision-making, and the financial habits that support sustainable growth.
What Buhir Do
What does Buhir do as a business coach?
Buhir helps owner-managed businesses turn “busy” into “profitable” by linking strategy to measurable numbers and simple execution. The aim is to make growth feel controlled rather than chaotic, even when you are juggling staff, customers, suppliers, and HMRC deadlines. Most coaching support revolves around three areas that owners feel every week:
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Growth direction, such as focus, positioning, and priorities.
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Financial performance, such as margins, pricing, costs, and cash control.
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Execution habits, such as accountability, weekly targets, and decision routines.
Who does he work with?
Buhir works with business owners across the UK who want commercial progress, not generic motivation.
The clients are usually running SMEs and have real responsibility on their shoulders, such as payroll, VAT, delivery deadlines, and customer expectations.
The best fit is often an owner who is experiencing one or more of these situations:
Revenue is rising, but profit is not improving.
Cash is tight, even though sales look healthy.
You are making decisions late because the numbers arrive late.
You want to hire, invest, or expand, but you do not trust the forecast yet.
You feel stuck doing too much, and the business depends on you for everything.
Why does his accountancy background strengthen the coaching?
Buhir’s accountancy experience makes business coaching more precise because it keeps the work measurable.
"You are not guessing whether something is working. You are tracking it through clear indicators like gross margin, net profit, debtor days, creditor days, break-even points, and cash runway."
You also get fewer “surprises” because good coaching should consider timing and tax realities. Decisions like hiring, taking dividends, changing pricing, or investing in equipment all have knock-on effects.
When the coaching is tax-aware and numbers-led, it becomes easier to plan with confidence.
Measurable Framework
Gross Margin
Tracking production efficiency and pricing power.
Net Profit
Actual earnings after all business expenses.
Debtor Days
Measuring cash flow speed from your clients.
Creditor Days
Optimizing outgoing payments and capital.
Break-even
Pinpointing the exact volume needed for safety.
Cash Runway
The count of months before capital is required.
Confidence through Awareness
Avoid expensive knock-on effects by integrating real-time tax realities and professional reporting into every strategic conversation.
What experience sits behind the advice?
Buhir has led and grown an accountancy practice since April 2010, supporting business owners with tax, accounts, payroll, and day-to-day commercial decisions.
"His experience comes from high-volume, real-world client work, so the advice is shaped by tight deadlines, cash pressure, and the realities of running an owner-managed business in the UK."
He has also worked across practice and industry roles, which adds a wider view of how businesses actually operate. This dual perspective ensures the strategy matches the operational reality.
Expertise & Implementation
Practice Principal Experience
Active leadership in professional accountancy since 2010 provides the technical depth required for high-stakes business coaching.
This range helps when the real problem is not just the numbers, but the operational bottleneck, the team issue, or the process that is holding growth back.
How does Buhir use technology and AI to support clients?
Buhir is tech-savvy and uses modern IT systems and AI-enabled workflows to keep client work organised, accurate, and on time.
This matters because most business problems get worse when records are messy, reporting is late, and decisions are made without current information.
His approach keeps operations stable, so clients stay in control of deadlines, cash planning, and business performance.
Who We Are
What does “IT-backed operations” mean in practice?
IT-backed operations means your records, reporting, and information flow are structured, consistent, and easy to retrieve. This reduces errors, reduces delays, and improves decision-making speed for owners who need clarity fast. It also supports better accountability, because the numbers and actions can be tracked properly. Examples of how this is applied include:
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Cloud-based record keeping and structured document handling, so information is not lost across emails, devices, or staff changes.
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Automated workflows for routine tasks, so deadlines and follow-ups are not reliant on memory.
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AI-supported processing and checking, so trends, anomalies, and gaps can be spotted earlier.
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Consistent reporting routines, so KPIs, cash visibility, and performance reviews are based on current data.
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Secure data handling practices, so client information is treated with care and professional discipline.
What results does coaching focus on?
Business growth outcomes you can see and feel in the day-to-day running of the company.
Focus on momentum, control, and confidence rather than perfection.
Key Outcomes
Improved profit margins through better pricing logic.
Better cash visibility using short forecasts.
Faster decision-making via understandable reporting.
Clearer priorities through 90-day planning and KPIs.
Reduced stress via cleaner records and routines.
What is Buhir’s style and approach?
Buhir’s style is direct, practical, and supportive, with a strong focus on clarity. Each conversation is designed to create a simple plan you can act on, rather than leaving you with a long list of ideas and no follow-through.
The Three Pillars of Execution
01. Analysis
Diagnosis
what is happening, what is driving it, and what is being missed.
02. Strategy
Decisions
what to do next, what to stop doing, and what to measure.
03. Execution
Delivery
who does what by when, and how progress will be tracked.
The sessions are designed for business owners who want movement. Some weeks that means working on numbers. Other weeks it means fixing the routine, the process, or the decision bottleneck that is holding growth back.
What credentials and training support his work?
Buhir backs the coaching with recognised qualifications and professional development in both finance and management. This strengthens trust because the guidance is informed by training, real practice, and structured thinking.
AAT qualification path and MAAT status.
Diploma in Management at Level 5.
Marketing and people-practice training that helps with positioning and team issues.
Board development training through a board member trainee programme.
How does the free 20-minute strategy call work?
The 20-minute strategy call is a short, focused conversation to identify your biggest growth constraint and the quickest route to progress.
You can expect the call to cover:
Identify your bottlenecks today
Why business owners choose Buhir
Business owners choose Buhir because he combines coaching with commercial reality. The work is structured, numbers-aware, and built for the UK environment, where decisions often need to reflect tax timing, reporting needs, and operational capacity.
Growth Strategy
Pricing Logic
Cash Flow
Mgmt Accounts
Execution Habits
If you want a coach who can talk confidently about growth strategy, pricing, cash flow, management accounts, and execution habits in the same conversation, this is the type of support you are looking for.
Ready to talk it through?
A short call can give you a clearer plan and a better next step. Book a free 20-minute strategy call and leave with one priority, one action, and one number to track.
