Fractional CFO Advisory
Senior financial thinking — at the moment you need it
Regular advisory time with an experienced finance professional — applied to the decisions you're actually weighing, at a cadence that fits where your business is right now.
For businesses that need senior financial input but aren't at the stage where a full-time CFO makes sense.
What this delivers
A trusted voice on the financial side of your business
Every growing business eventually reaches decisions where the financial angle is significant enough that you want someone experienced in the room — not just an accountant confirming what happened, but someone who can help you think through what to do next.
This service gives you regular, structured time with a finance professional whose focus is your situation, your numbers, and the specific decisions in front of you. It's a working relationship, not a helpline.
Pricing decisions with financial grounding
What does the margin actually look like at different price points? What are the volume assumptions baked in? These conversations go better with the numbers in front of you.
Hiring decisions with a cost lens
Can the business comfortably absorb a new hire? What does the payback period look like on a senior appointment? Senior input before the offer is made.
Capital and investment thinking
When to use debt, when to hold cash, when a capital spend makes sense — approached calmly with your actual numbers rather than general principles.
The gap many businesses find themselves in
Too small for a full-time CFO — too complex to go without senior input
Accountants who report, not advise
A good bookkeeper or accountant handles compliance and historical records — but most aren't structured to sit with you on a strategic pricing question or help you think through a capital allocation.
Significant decisions made in a vacuum
Hiring, pricing, capital commitments — when they're made without a financial sounding board, you're relying on instinct alone. That works until it doesn't.
Growth that outpaces the financial setup
As businesses grow, the financial complexity grows with them. What worked at £500k doesn't necessarily work at £2m — and it helps to have someone who's navigated that transition before.
The approach
Structured advisory time, built around what's actually on your agenda
This isn't a consulting retainer where you submit questions and get written responses. It's a working relationship with a defined cadence — regular calls, preparation in between, and follow-through on anything that needs tracking.
Before each session, we review what's changed in your numbers and any decisions you've flagged. The call itself is a focused conversation, not a status update. After it, you have a clear note of what was discussed and any actions.
The cadence is set to suit your stage — some businesses need fortnightly calls during a growth phase; others find monthly sessions more than sufficient when things are steadier.
Topics typically covered in advisory sessions
- Pricing structure and margin analysis
- Hiring decisions and their cost implications
- Cash flow and working capital management
- Capital allocation and investment decisions
- Supplier terms, contracts, and cost structure
- Preparing for a funding conversation or sale process
What the engagement feels like
A working relationship, not a one-off engagement
Consistent cadence
Sessions happen on a schedule that suits your pace — fortnightly, monthly, or quarterly depending on what's most useful at your stage. You're not chasing to book time; it's already in the calendar.
Preparation before each call
Each session is prepared for — we review your numbers ahead of time so the call is focused on thinking, not on updating each other on what happened.
Clear notes after each session
After every call you receive a short note summarising what was discussed and any agreed next steps. Nothing falls through the gap between one session and the next.
Between-session access
If something comes up between scheduled calls — a decision that can't wait, a number that needs a quick read — email access means you're not in the dark until the next session.
The investment
Senior experience at a fraction of the in-house cost
A monthly arrangement that gives you consistent access to experienced financial thinking — without the overhead of a full-time appointment.
Fractional CFO Advisory
$1,400 / month
Included each month
- Regular advisory sessions (cadence agreed)
- Pre-session numbers review
- Session notes and action summary
- Email access between sessions
Additionally
- Flexible cadence as needs change
- Support through specific decisions
- No minimum term to start
- Can be combined with monthly reporting
What changes over time
The value of a consistent financial sounding board
Early sessions
Understanding the real financial picture
The first sessions typically surface a few things that were obscured — a margin assumption that doesn't hold at closer inspection, a cost that's been absorbing more than expected. This is normal and useful to know early.
After 3 months
Decisions made with more confidence
By this point, key decisions are being weighed with financial input rather than instinct alone. Most owners report the most immediate value comes from having a structured conversation before a significant move — not after.
After 6+ months
A finance function that grows with the business
Over time, the advisory relationship builds a shared understanding of your business that makes each session more useful than the last. The context doesn't need re-establishing — it compounds.
Honest expectations
What advisory does and doesn't replace
Fractional CFO advisory improves the quality of financial decisions — it doesn't make them for you. The outcome depends on what questions you bring and how openly you engage with what the numbers show.
Starting without commitment
The first conversation is just a conversation
We begin with a no-obligation call — typically 30 to 45 minutes — to understand your business, the decisions you're navigating, and whether this kind of engagement would be a genuine fit.
If we proceed, there's no long-term contract required at the outset. Advisory relationships work best when both sides find the value clear and consistent — so the arrangement remains flexible.
Getting started
What to expect after you reach out
Send a note
Use the contact form or email [email protected]. A brief description of your business and what financial decisions you're facing is plenty to start.
Initial conversation
A 40-minute call to understand your business, your current situation, and what decisions you'd want to work through with an experienced finance person alongside.
Agree and begin
We confirm the cadence and scope. The first proper advisory session happens within the first two weeks, once we've had a chance to review your numbers.
Ready to talk?
Good financial decisions start with a clear conversation
If you're facing decisions where senior financial input would help, we'd be glad to have an initial call.
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