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.
Powered by AI, we deliver insights faster — so you spend less time crunching numbers and more time telling the story behind them, planning ahead, and growing your business.
AI-Enhanced Finance Director Services
We combine 15+ years of finance expertise with AI-powered tools — delivering faster insights, less time on spreadsheets, and more time focused on strategy and growth.
Management Accounts Review
AI-powered analysis turns your monthly numbers into a clear story in hours, not days — what's working, what's not, and what to do next.
Cashflow Forecasting
Our AI models crunch the numbers instantly so you get rolling forecasts faster — no nasty surprises, no sleepless nights. Plan with confidence.
KPI Dashboards
AI-driven dashboards surface the metrics that matter — revenue per head, gross margin, cost ratios — with real-time insights you can act on immediately.
Margin & Profitability Analysis
We use AI to dig into your margins at speed, spotting where money is leaking and giving you a clear plan to fix it — before it becomes a problem.
Budgeting & Forecasting
AI handles the heavy lifting on data processing, so we spend more time building realistic budgets and rolling forecasts that actually drive decisions.
Strategic Planning
AI-accelerated scenario modelling and growth planning — test more options, faster, so you can move with confidence when it matters most.
Why owner-managed businesses choose Fraction
We pair deep financial expertise with AI-powered tools. The result? Less time buried in spreadsheets, faster turnaround on insights, and more time for you to focus on running and growing your business.
AI handles the heavy lifting. We handle the thinking.
Have a conversationAI-enhanced, human-led
Our AI tools handle the number crunching at speed — freeing us to focus on what matters: telling the story behind your data, planning ahead, and advising you with clarity.
Faster insights, better decisions
AI means we process your data in hours, not days. You get actionable insights sooner, so you can make confident decisions while they still matter.
We 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.
Fraction Co-Pilot — AI enablement
for in-house finance leaders.
Built for businesses that already have someone doing the numbers — an in-house bookkeeper, an ops manager who owns finance, or an existing FD or CFO. We make your finance function faster, cleaner, and more reliable using practical automation.
- A single automated dashboard (KPIs, cash, margin, runway)
- Full automation of recurring finance tasks (reporting packs, reconciliations, variance commentary, reminders)
Standalone
For businesses with their own finance lead, but no Fraction relationship yet.
- One source of truth dashboard
- Faster month-end and fewer manual steps
- Clean, repeatable reporting process
Strategic add-on
For existing Strategic-tier clients who also have internal finance headcount alongside their FD or CFO.
- Your internal team runs a tighter process
- Your FD or CFO spends more time on decisions, less on admin
- Automation becomes a strategic advantage
Want to see what Co-Pilot could automate in your business?
Book a free call and we'll map the best first automation (dashboard or recurring task) to deliver value quickly.
AI helps us process and analyse faster — but every insight is reviewed by an experienced finance professional.
Faster reporting, clearer decisions, no compromise on trust.
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.
October tip: run a mid-month 'cash reality check' before year-end
With Q4 well underway, now is the time to sit down with your numbers for 30 minutes. Pull your latest bank balance, list every committed outgoing for the next 90 days (payroll, VAT, supplier payments, loan repayments), and compare it to expected receipts. If the gap is tighter than you'd like, act now — chase overdue invoices, defer non-essential spend, or speak to your lender before December pressure hits.
Autumn Budget 2026: what to check in your numbers this month
With policy changes landing across tax, employment and incentives, now is the moment to update your forecast. Re-run your cashflow with revised assumptions, sanity-check margins, and make sure you know the impact on monthly drawings and VAT.
Q4 planning checklist: 6 finance moves to make before year-end
Before the year-end rush, lock in the basics: refresh your 13-week cashflow, reforecast revenue with a base and downside case, review debtor days and chase plans, stress-test payroll and supplier commitments, check VAT and corporation tax reserves, and set 3 KPIs for Q4 that you'll review weekly.
Bank of England holds rates at 4.25% — what it means for SME borrowing
The Bank held rates steady in September, signalling caution on further cuts. For SMEs, this means borrowing costs remain elevated. Review your overdraft and loan terms, and stress-test repayments in your cashflow forecast before committing to new debt.
Autumn Statement 2026: key changes for small businesses
The Chancellor confirmed changes to business rates relief, R&D tax credits, and employer NIC thresholds from April 2027. If you haven't modelled the impact on your P&L yet, now is the time — before year-end planning locks in.
MTD ITSA penalties now in force — are you compliant?
HMRC's points-based penalty regime for Making Tax Digital for Income Tax is now live. Late quarterly submissions are being tracked. If you're a sole trader or landlord earning over £50k, check your software is submitting correctly and your records are up to date.
UK inflation drops to 2.2% but input costs remain sticky for SMEs
Headline inflation is easing, but many SMEs report that supplier costs, energy bills, and raw materials haven't fallen at the same pace. Track your gross margin monthly by product or service line — and act fast on underperformers.
Late payment crisis: 1 in 5 SMEs report cashflow strain from overdue invoices
New FSB data shows late payments are still the number one cashflow risk for small businesses. Tighten your collections process: send reminders at 7 days, escalate at 14, and pick up the phone at 21. Consider invoice financing if debtor days exceed 45.
National Living Wage to rise to £12.50 from April 2027 — plan your labour costs now
The Low Pay Commission has recommended a further increase to £12.50/hour. For labour-intensive businesses, this could add 2–4% to your wage bill. Update your budget now and consider whether pricing adjustments are needed to protect margins.
Updated: October 2026
The Fraction Blog
Practical, jargon-free advice to help UK SMEs take control of their finances.
Four Ways SMEs Can Keep Costs Under Control as They Scale
Controlling costs is just as important as making sales. Here are four areas for SME owners to target when seeking to get costs down without sacrificing growth.
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,
supercharged by AI.
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.
And with AI in our toolkit, we deliver those insights faster than ever. Less time crunching numbers means more time telling the story, planning ahead, and helping you make the decisions that matter.
"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."
Contact us
Book a free 30-minute call. No obligation, no hard sell just an honest conversation about your finances and whether were the right fit.