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Fractional CFO

A CFO in your business, at a fraction of the cost.

What you are buying is a rhythm rather than availability: a fixed monthly cycle of information, insight and decisions, delivered on dates you already know.

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Fee
From £1,500 per month
Duration
Ongoing

The monthly cycle

The same dates every month, whatever else is going on.

The same rhythm applies at every tier. You always know when the numbers land, when the pack arrives, and when you sit down to decide.

  1. Working day 10

    Management accounts

    Reviewed and commented on.

  2. Working day 12

    Board pack issued

    KPIs, cash position, a 13-week cash view, and the three things needing a decision.

  3. Working day 15

    The meeting

    Ninety minutes with the owners.

  4. Throughout

    Actions tracked

    And reported at the next meeting.

What lands on working day 12

The pack you actually get.

KPIs, the cash position, a thirteen-week cash view, and the three things that need you to decide something. It arrives on the same working day every month, whether the news in it is good or not.

The cash view is the part most owners have never had. Knowing in week one that week seven is tight is the difference between arranging something and discovering something.

The tiers

Three levels, with the same cycle underneath.

Most businesses land on Partner. You can move up or down at any anniversary.

Foundation

£1,500 per month

£1m–£3m turnover with a competent bookkeeper.

  • Monthly cycle and board pack
  • Monthly owners meeting
  • Decision support : Unlimited access for a view on any commercial decision
  • Project work : Scoped separately
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Partner

Most chosen

£2,500 per month

The default choice for most owner-managed businesses.

  • Monthly cycle and board pack
  • Monthly owners meeting
  • Decision support : Plus the modelling and written analysis behind it
  • Forecasting and budgeting : Quarterly forecasting and annual budget
  • Bank and funder relationship
  • Oversight of finance staff : Bookkeeper or finance assistant
  • Project work : Scoped separately
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Director

£4,500 per month

£5m+, or businesses with real change ahead.

  • Monthly cycle and board pack
  • Monthly owners meeting
  • Decision support
  • Forecasting and budgeting
  • Bank and funder relationship
  • Oversight of finance staff : Line management of a small finance team
  • Board attendance
  • Project work : Scoped separately
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On decision support

Every tier includes an informed view on any commercial decision, as often as you need one. Where a decision needs modelling or written analysis behind it, that sits in Partner and Director. Defined projects are scoped and priced separately at every tier, so you always know what a piece of work costs before it starts.

Terms

  • Twelve-month initial term, then three months notice.
  • Annual fee review.
  • Tiers can move up or down at any anniversary.

Your existing advisers

Nobody gets replaced.

Your accountant continues to handle statutory accounts, tax and VAT. Your bookkeeper continues to process transactions and run payroll. Both keep doing what they are good at.

This role sits above both, turning what they produce into decisions. In practice the relationship gets easier, because the questions that arrive at your accountant's desk are better ones.

The first 90 days

What happens before you see the value.

Nothing useful comes out of a finance function until the foundations are right. This is the order it happens in.

  1. Days 1–30

    Systems access, chart of accounts corrected, KPI set agreed.

  2. Days 31–60

    First full board pack, cash model built.

  3. Days 61–90

    Budget or forecast complete, first quarterly review.

A finance director, without the salary.

For owners who need commercial finance judgement in the business every month, rather than a report once a year.

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Thirty minutes, and you will know whether it is worth taking further.