Finance

A fractional CFO for businesses outgrowing their accountant

Our fractional CFO services give you the forward view — clear numbers, honest advice, and a full finance team behind you.

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A Fractional CFO gives you powerful financial leadership

Using fractional CFO services - portrait of a business owner in their fullfillment centre

You know your business inside out – but how well do you know your numbers?

Most owners we meet are making big calls on gut feel and today’s bank balance.

But how clear are you on your cashflow? Is every strategic decision on your shoulders alone? Has your plan been challenged enough?

Common Challenges

– Managing cashflow
– Lack of insight into financial performance
– Home-made spreadsheets
– No one to talk it through with

Senior financial leadership, without the six-figure salary

A fractional CFO gives you the leadership calibre of a full-time finance director without the six-figure salary commitment.

From budgets, forecasts and scenarios to fundraising, mergers and acquisitions, a fractional CFO can help you steer your business with clarity and confidence.

fractional CFO finance director helping a business owner

Benefits of a Fractional CFO

Forward visibility

See exactly how many months of cash you have, under any scenario.

Margin protection

Know which clients, products and services actually make you money.

Benchmarked KPIs

Measure the right metrics, and know how you perform compared to your peers.

Solid Foundations

Systems and processes to allow you to put your finances on autopilot.

Decision Support

Expert guidance to help you think through the big decisions and troubleshoot the challenges

Advisory

Board level finance leadership, and representation with fundraising, exit, or even acquisition.

Let’s talk about where you want your business to go_

Talk to us about fractional CFO support

Fractional CFO, finance director, or the accountant you already have?

Most owner-managers are weighing up four options, and they rarely get compared honestly. Here’s how we think about it:

Your current accountant

Full-time CFO

Stand-alone fractional CFO

GrowBe fractional CFO

Tax Compliance

Tax Planning

Bookkeeping

Regular reporting

Financial Planning

Fundraising

Business Advice

Affordability

Flexibility

Completeness

Integrated Finance & Accounting

Joined-up thinking

Stand-alone fractional CFOs sit on top of your existing accountant – leaving you to coordinate finance administration and accounting compliance.

We work differently. For almost all of our clients, GrowBe is the finance & accounting function: the bookkeeping, the payroll, the management accounts, the year-end, and the board-level advice – all from one joined-up team.

PLUG-in Team

We support founders nationwide with dedicated client teams using the best cloud accounting technologies.

We’re deliberately high-touch; there with you on Slack, WhatsApp, phone or video calls throughout the week.

And our monthly finance strategy sessions keep the forward view current.

Our Finance Outsourcing Services

Your complete finance department – without the full-time cost.

Fractional CFO & FD

Strategic guidance, commercial insight, and support to help you with long-term goals & growth.

Budgets

Budgets that keep your spending in line with your goals, so growth stays sustainable.

Forecasts

Planning and modelling to help you understand where the business is heading.

Funding & Exit

We prepare your financials so you’re ready for scrutiny – helping you secure better terms and avoid surprises.

Management Accounts

Clear, timely reports that tell you what’s happening in your business and how it’s really performing, giving you the information you need to act.

KPIs

Practical KPIs that show what’s driving performance. We help you focus on the numbers that matter, so you can spot issues early and make decisions.

Monthly Reviews

We sit with you each month to make sense of performance, highlight what’s changing, and identify opportunities for next steps and future growth.

Bookkeeping

Accurate, up-to-date records that give you confidence in your numbers.

Payroll

Effortless payroll and Workplace Pension setup and management, all managed through an online portal.

Credit Control

Effective invoice chasing that gets you the cash you’re owed.

Invoicing & Payments

Frictionless invoicing and contract management, and bulk payments for your suppliers and staff.

Company Accounts

Robust year-end accounts and Corporation Tax returns, and all related HMRC and Companies House filing obligations.

Tax Planning

Proactive tax planning for the business and your personal taxes, keeping you tax efficient and your cash flow carefully managed.

VAT

Avoid penalties and stay on the right side of HMRC with accurate returns, calculated correctly and submitted on time.


Frequently Asked Questions_

A fractional CFO is a senior finance professional who gives you strategy, forecasting and growth planning on a part-time basis. In practice, that means a monthly routine of strategy sessions, management accounts and a forward view of cash and profit, scaled to the size and pace of your business. At GrowBe, the fractional CFO sits on top of a full finance team, so the person advising you also owns the numbers underneath the advice.

Mainly time and cost. A full-time finance director is a permanent hire costing £100,000 or more, and it only becomes cost-effective past a certain size. A fractional finance director does the same work – budgets, forecasts, board reporting, funding preparation – on the days you actually need it. For most businesses under 75 people, that buys the same standard of decision-making for a fraction of the fixed cost.

Standalone fractional CFO firms usually charge a day rate or a separate monthly retainer on top of whatever you already pay your accountant; two bills for one finance function. We price it differently: one monthly fee covers the bookkeeping, payroll, management accounts, year-end accounts, tax planning and the CFO-level advice. Our clients typically spend from £1500 / month for this comprehensive support.

There are a few things worth thinking through before you sign anything, including how the engagement is structured and what happens to your data. Talk to us about it on a discovery call and we’ll walk you through how we handle it.

Yes, we work with founders across the UK. Day-to-day, we’re on Slack, WhatsApp, phone or video, whatever suits you, and we keep a fixed date each month for the strategy session so it never slips.

Usually it’s one of three things: you’ve grown past what a spreadsheet can tell you, a big decision is coming up (funding, a hire, buying another business) that you haven’t made before, or your accountant files everything correctly but can’t answer a commercial question. If any of that sounds familiar, it’s worth a conversation.