Your numbers,
finally making sense.
👋 Hi, We are Fraction and we're on a mission to help SMEs understand their numbers, improve cash flows and increase profitability.
With over fifteen years' experience across multiple industries we help you go beyond the numbers and identify what is working, and what can be improved — not just to keep your business running but to help it thrive.
On Demand Finance Director Services
On demand Finance Director expertise, tailored to the realities of running an owner-managed business — from start-up to scale-up.
Management Accounts Review
We turn your monthly numbers into a clear story — what's working, what's not, and what to do next. No spreadsheet overwhelm.
Cashflow Forecasting
Know exactly what's coming in and going out. No nasty surprises, no sleepless nights. Plan with confidence.
KPI Dashboards
Track the metrics that actually matter for your business — revenue per head, gross margin, cost ratios and more.
Margin & Profitability Analysis
We dig into your margins to find where money is leaking — and give you a clear plan to fix it.
Budgeting & Forecasting
Realistic budgets and rolling forecasts so you always know where you're heading — and can plan with confidence.
Strategic Planning
Scenario modelling, growth planning and funding support — when you're ready to think bigger and move faster.
Why owner-managed businesses choose Fraction
There's plenty of financial support out there. But very few who truly understand what it means to run a growing business — and can translate that into clear financial strategy.
Have a conversationWe speak plain English
No jargon, no acronyms, no confusion. We explain your finances clearly so you can make confident decisions — every time.
Built for owner-managed businesses
We understand the pressures of running your own business. We work at the pace you need, with the depth you deserve.
Personal, not corporate
You get a real relationship, not a faceless service. We're proactive, approachable and genuinely invested in your success.
Senior expertise, fraction of the cost
Access Finance Director-level thinking without the full-time salary. Flexible, scalable, and always on your side.
Simple, transparent pricing
No hidden fees. No long-term lock-ins. Just clear, flexible support that scales with your business.
Essentials
Perfect for businesses that need financial clarity and a steady hand on the numbers.
- Monthly management accounts review
- Cashflow monitoring
- Monthly check-in call
- Email support
- KPI summary report
Growth
For businesses ready to scale — with the financial insight to do it confidently.
- Everything in Essentials
- Rolling cashflow forecast
- KPI dashboard setup & review
- Quarterly budget vs actuals
- Fortnightly calls
- Margin & profitability analysis
Strategic
Full FD-level support for ambitious businesses navigating growth, funding or change.
- Everything in Growth
- Annual budget & 3-year forecast
- Scenario & sensitivity modelling
- Board-ready financial reporting
- Funding & investor support
- Weekly availability
All packages are tailored to your business. Let's have a conversation about what you need.
News that matters
Curated stories impacting UK small businesses — with the ‘what to do next’ angle.
UK SMEs: Preparing for Making Tax Digital penalties (July 2026)
If you're in scope for MTD ITSA, penalties begin from July 2026. The practical move now: confirm you're registered, your software is compatible, and your quarterly process is documented.
Interest rates: what a 'higher for longer' environment means for cashflow
Even when rates pause, borrowing costs can stay elevated. SMEs should stress-test repayments, review overdraft pricing, and build a 13-week forecast that includes worst-case scenarios.
Late payments remain a top SME risk — tighten your collections process
Late payment pressure is still a major driver of cashflow issues. Consider staged invoicing, earlier reminders, and clear escalation steps before invoices hit 30 days overdue.
Wage costs: model the impact of National Living Wage changes
Rising wage bills can quietly erode margins. Update your budget, re-price where needed, and track labour cost as a % of revenue monthly.
Inflation may ease, but input costs can stay sticky — protect gross margin
When supplier costs don't fall as fast as headline inflation, margin gets squeezed. Track gross margin by product/service line and act quickly on underperformers.
Budget updates: check reliefs, allowances, and business rates changes
Policy changes can affect cash, payroll, and planning. A short review of what's changed (and what you can claim) often pays for itself.
Updated: 21 Jul 2026
The Fraction Blog
Practical, jargon-free advice to help UK SMEs take control of their finances.
7 Cashflow Management Tips Every SME Owner Needs to Know
Cashflow is the lifeblood of any small business. Yet most owners only look at their bank balance. Here are seven practical strategies to stay ahead of the curve.
Management Accounts Explained: What They Are and Why They Matter
Your year-end accounts tell you where you've been. Management accounts tell you where you're going. Here's why every SME should have them.
Making Tax Digital 2026: What UK SMEs Need to Do Now
MTD for Income Tax goes live in April 2026. If you're a sole trader or landlord earning over £50k, here's your step-by-step guide to getting ready.
When Should You Hire a Fractional Finance Director?
You've outgrown your bookkeeper but can't justify a full-time FD. Here are the five signs it's time to bring in fractional finance support.
The 10 KPIs Every SME Should Be Tracking (But Probably Isn't)
Revenue and profit are just the start. These ten key performance indicators give you the full picture of your business health.
5 Budgeting Mistakes That Cost Small Businesses Thousands
Most SME budgets are either too optimistic, too vague, or non-existent. Here's how to build a budget that actually works.
Resources
Free, practical tools to help you take control of your business finances — no sign-up required.
Free Cashflow Forecast Template
A simple, ready-to-use 13-week cashflow forecast spreadsheet. Plug in your numbers and see exactly where your cash is heading.
Get in touch to requestMonthly Finance Health Check
A one-page checklist of the 12 things every SME owner should review each month. Print it, pin it up, and use it.
Get in touch to requestKPI Tracker for SMEs
Track your top 10 KPIs month-by-month with this simple dashboard template. Includes revenue, margins, debtor days and more.
Get in touch to requestBreak-Even Calculator
Enter your fixed costs, variable costs and selling price to instantly see how many units (or hours) you need to break even.
Get in touch to requestBudgeting Guide for First-Time Business Owners
A plain-English, 10-page guide that walks you through creating your first annual budget — even if you've never done one before.
Get in touch to requestMaking Tax Digital Readiness Checklist
A step-by-step checklist to make sure your business is fully prepared for MTD for Income Tax before the July 2026 deadline.
Get in touch to requestSenior finance expertise,
without the overhead.
Fraction was built for one reason: too many great owner-managed businesses are flying blind on their finances. They have accountants who file the numbers, but no one to help them understand and act on them.
We bridge that gap. We bring Finance Director-level thinking to businesses with £250k–£10m turnover — the kind of insight that was previously only available to larger corporates.
"Having Fraction on board felt like finally having a co-pilot. For the first time, I understood exactly where my business stood — and where it was heading."
"We went from guessing our cashflow to planning six months ahead. The difference it made to our confidence — and our bank balance — was remarkable."
Let's have a conversation
Book a free 30-minute call. No obligation, no hard sell — just an honest conversation about your finances and whether we're the right fit.