When Should You Hire a Fractional Finance Director?

There's a gap in most growing businesses. You've got a bookkeeper or accountant who keeps the records straight, but no one who can help you use those numbers to make better decisions. A full-time Finance Director costs £80k–£120k+ per year. For most SMEs, that's not realistic.

That's where a fractional FD comes in — senior finance expertise on a part-time, flexible basis.

5 Signs It's Time

1. You're making decisions without financial data

If you're hiring, investing, or expanding based on gut feel rather than numbers, you need someone to build the financial picture.

2. Your cashflow feels unpredictable

If you're regularly surprised by cash shortfalls or can't plan more than a few weeks ahead, a fractional FD can build forecasts that give you visibility.

3. You're growing but margins are shrinking

Revenue is up but profit isn't following? That's a classic sign that costs are creeping and margins need attention.

4. You need to raise funding or talk to investors

Banks and investors want to see forecasts, budgets and financial models. A fractional FD can prepare these and join the conversation.

5. Your accountant only looks backwards

Year-end accounts are important, but they tell you where you've been — not where you're going. You need someone focused on the future.