Fractional CFO · Lancaster · UK-wide
Senior finance leadership for your business — without the full-time cost.
Most growing businesses reach a point where bookkeeping isn't enough, but a full-time Finance Director isn't justified yet. A Fractional CFO gives you board-level financial leadership, forecasting and strategic support for a fraction of the cost.
- 3 levels
- Comfort, Reliance & Growth
- Fixed fee
- Agreed on the call
- No contract
- Cancel any time
- CIMA qualified
- Chartered Management Accountant
Finalist — Tax Team of the Year (Small Firm)Accounting Excellence Awards 2026
- CIMA qualified
- AAT qualified
- Fixed fees, agreed on the call
- Business & property
- Lancaster · UK-wide
The problem
Good businesses struggle when finance leadership is missing.
You've got a bookkeeper. Maybe an accountant. But that still doesn't mean you have the senior financial leadership your business now needs.
Sound familiar?
- Are we actually making enough profit?
- Why does cash still feel tight even when revenue is growing?
- Can we afford to hire — and when?
- What will VAT, PAYE and corporation tax do to our cashflow?
- Are we making pricing and investment decisions with the right numbers?
Service levels
Support shaped around your stage of growth.
Three levels of Fractional CFO support — each built around where the business is now, and agreed on the call.
Comfort
Oversight & visibility
For business owners who want experienced oversight, clearer numbers and a trusted point of contact.
- Dedicated financial director contact
- Management reporting
- Finance function health check
- Unlimited email & phone support
- Overview & support for finance staff
Reliance
Most popularRegular leadership & control
For businesses that need regular finance leadership, stronger reporting and support for an existing finance team or process.
- Everything in Comfort
- Cashflow forecasting & monitoring
- Cost control & expense analysis
- Credit control review
- Risk management
- What-if analysis & financial projections
Growth
Strategic finance partner
For ambitious businesses that want a hands-on strategic finance partner for forecasting, planning, decisions and scalable growth.
- Everything in Reliance
- KPI dashboard design
- Strategic planning & goal monitoring
- Monthly accountability programme
- Raising finance & investor reporting
- Exit strategy development
- Non-exec FD role for third-party credibility
Not sure which level fits? That's exactly what the free 20-minute call is for — we'll map your situation and recommend the right level. Your fixed fee is agreed on the call, not after it.
Book a free callThe comparison
Fractional CFO vs hiring in-house.
| Factor | Fractional CFO | In-house CFO hire |
|---|---|---|
| Cost | Fixed monthly fee | £90k–£138k salary, plus NI and pension |
| Flexibility | Scale up or down any time | Hard to reshape quickly |
| Start time | Up and running in under 2 weeks | Recruitment takes months |
| Experience | Broad cross-sector experience | One individual's background only |
| Commitment | No minimum contract | Employment contract and notice period |
| Tax treatment | Fully deductible — HMRC pays a portion | Salary deductible, but employer NI adds 15% |
The tax deductibility point matters
The cost of a Fractional CFO is fully deductible for corporation tax purposes. HMRC effectively refunds a portion of the fee at your corporation tax rate.
And there is no employer's NI
Unlike an employed Finance Director, there is no employer's National Insurance payable on a Fractional CFO engagement — saving 15%.
Common questions
Fractional CFO — your questions answered.
Everything you need to know before booking a call.
Not covered here? Ask us directly — we answer within 1–2 working days.
What does a Fractional CFO actually do?
A Fractional CFO provides board-level financial leadership — strategy, forecasting, reporting and growth planning — typically a set number of days per month.
How is a Fractional CFO different from my accountant?
Your accountant handles compliance: filing returns, keeping records, meeting deadlines. A Fractional CFO goes further: they help you understand what your numbers mean, plan ahead, and make better decisions.
How much does a Fractional CFO cost?
Your fixed fee is agreed on the free discovery call, based on your exact situation. The fee is fully tax deductible — meaning HMRC effectively refunds a portion.
What size business is a Fractional CFO right for?
Typically service businesses with 5–50 staff who have outgrown basic bookkeeping but aren't ready for a full-time hire.
Can I have a Fractional CFO alongside my existing accountant?
Yes — a Fractional CFO can work alongside your existing accountant or finance team, providing senior oversight and strategic input.
How quickly can we get started?
Most clients are up and running within 2 weeks of the discovery call.
Get started
Ready to get senior finance support?
Book a free 20-minute call with Björgvin. We'll map your situation, discuss which service level fits and agree a fixed fee — on the call, not after it.
- Free 20-minute call
- Fee agreed on the call
- No minimum contract
- CIMA & AAT qualified
