Management accounts and KPIs
Monthly numbers you can run the business on, with commentary in plain English.
Fractional FD
Fractional finance director for growing companies
A senior finance lead at your table for a day a month or a day a week, on a fixed monthly retainer. Fintone gives owner-managed and investor-backed companies across Worksop, Sheffield and South Yorkshire the numbers, cash visibility and board-ready reporting of a full-time finance director, without the full-time cost.
What a fractional FD does
A fractional finance director gives you senior finance leadership for the days you need it. With Fintone, that covers:
13-week cash forecast and budgets
A rolling forecast, a budget to track against and scenarios for the big decisions.
Board, lender and investor packs
Reporting in the format your board and funders expect to see.
Funding support
Lender-ready packs and forecasts when you need to borrow or raise money.
Finance systems and month-end
A close calendar, clear ownership and processes that scale.
Judgement on the big calls
A sounding board for pricing, hiring, investment and growth.
The first 60 days
How the first 60 days run
Every engagement starts with a clear 60-day plan, so you know what you will get and when. After that, the monthly FD rhythm carries on at the level of support you need.
Days 1–14
Clarity
- Discovery: goals, funding, reporting rhythm and pain points
- Map your systems and gaps: Xero, FreeAgent, bank, payroll
- Agree the monthly decision pack you actually need
- Quick-win cash snapshot: runway and near-term commitments
By day 14: you know your runway and what your monthly pack will cover.
Days 15–30
Visibility
- First full management accounts: P&L, balance sheet, cash flow
- Rolling 13-week cash forecast, live and with a named owner
- KPI set: the 6 to 10 numbers that drive board decisions
- Month-end close calendar: who does what, and when
By day 30: your first full management accounts and 13-week cash forecast.
Days 31–45
Control
- Budget vs actual, with clear variance commentary
- Lender or investor pack format, if debt or equity is live
- Cash scenarios: base, stretch and downside
- Working capital review: stock, debtors, creditors and VAT
By day 45: you see what is off plan, why, and what it means for cash.
Days 46–60
Cadence
- Board or investor meeting dry run, using the new pack
- Standing monthly FD rhythm locked in
- Handover notes, so nothing lives in one person’s head
- Optional: funding readiness or exit preparation checklist
By day 60: board-ready numbers every month, on a timetable everyone knows.
Who it’s for
Fintone’s fractional FD service suits:
- Owner-managed companies that have outgrown basic bookkeeping
- Investor-backed or debt-backed businesses
- Teams preparing to raise, sell or scale
- Founders who want the truth on cash without hiring a full-time FD
Fractional FD or a full-time hire?
A full-time finance director is a senior salary, plus recruitment time and cost. A fractional FD gives you the same judgement for the days you need, agreed as a fixed monthly retainer, and the time can go up or down as the business changes.
Weighing it up? Read our guides: part-time FD, full-time FD or your accountant and what a finance function looks like at £1m, £3m and £5m.
Fractional FD questions
How much time does a fractional FD spend with us?
Typically from a day a month to a day a week, agreed with you up front and reviewed as the business changes.
How is it priced?
A fixed monthly retainer agreed before we start, so there are no surprise bills.
Do you replace our accountant?
No. We sit alongside your existing accountant. If you also need year-end accounts and tax, our All Accountant team, part of Fintone, can handle them.
Can you help us raise finance?
Yes. We prepare lender-ready packs, forecasts and scenarios, and help you through lender or investor conversations.
What would your first pack look like?
Request a free call and we will map your numbers and sketch out your first monthly pack. No obligation.
What would your first pack look like?
Request a free call and we will map your numbers and sketch out your first monthly pack. No obligation.