Fractional CFO Services
Strategic finance leadership for ambitious businesses preparing to grow, raise, or sell
You've built a business that's outgrowing its current finance function. Monthly bookkeeping and year-end accounts aren't enough anymore. You need someone at board level who can model the next funding round, pressure-test growth plans, and get the numbers ready for investors or buyers.
A full-time CFO at this stage costs £100,000+ plus bonus and equity. A fractional CFO, also known as a fractional finance director (FD) gives you the same strategic capability for a fraction of that, scaled to what your business actually needs.
At Linggard & Thomas, founders Samantha Linggard FMAAT and Lucy Thomas MAAT FCA use over 25 years’ of combined financial experience to growth-stage businesses across the UK. We work remotely with clients nationwide and on-site where it makes sense.
When you need a Fractional CFO or Finance Director
A fractional CFO or FD makes sense when your business has moved past the point where you need more input than general compliance. Common triggers:
- Preparing for a funding round, investment, or sale
- Annual turnover has grown past £1m and the finance function hasn't kept up.
- You're making decisions on hiring, pricing, or expansion without the financial modelling to back them.
- Cash flow is tight despite the business growing.
- Your board, investors, or lender want better reporting than you currently produce.
- You're considering an exit in the next 2-5 years and need the numbers to tell the right story.
If any of these sound familiar, you need strategic finance input, not more compliance work.
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Remote CFO Support, wherever you are
Whilst we are based in Cornwall and work primarily with businesses in the South West, we also offer virtual CFO services with monthly or fortnightly video calls, shared cloud accounting access, and board packs delivered digitally.
We believe that a remote CFO can be every bit as effective as someone on-site. We're based in the South West and travel on-site when an engagement calls for it, but the day-to-day model is built for businesses anywhere in the UK.
Why Linggard & Thomas?
A fractional CFO is only as useful as the decisions they help you make. Samantha and Lucy bring 25 years of combined experience to the engagement, not just reading the numbers but interpreting them: which growth bets to back, when to raise, what your business is actually worth, and where the financial risks are hiding.
You get a senior qualified accountant in the room when it matters. For the board meeting where you decide on the next hire. For the investor pitch where the model needs to hold up. For the exit conversation where the multiple depends on how clean the last three years look.
That's the work. Not compliance, not reporting for its own sake. Strategic finance leadership that enables smarter financial decisions for your business
Pricing
Fractional CFO and FD engagements start from £500, with no hidden fees. We scope each engagement to the business, so you only pay for the level of input you need. Monthly retainer and project-based options available.
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What's Included
Our fractional CFO service is built to provide clarity and drive growth. Engagements typically include:
- Financial strategy and planning: Three-year financial plans, scenario modelling, and the strategic guidance to decide what to do next.
- Investor and exit readiness: Clean, investor-grade management accounts. Due diligence support.
- Cash flow forecasting and management: 13-week rolling forecasts, working capital management, and the early warnings that stop cash problems before they happen.
- Board-level reporting: Monthly board packs with the KPIs that matter to your business, your investors, or your lender.
- Management accounts: Regular management accounts with commentary, variance analysis, and the context to turn numbers into decisions.
- Funding and finance: Support through bank financing, equity rounds, EIS/SEIS, and grant applications.
- Profitability and pricing: Margin analysis, product or service profitability, and pricing reviews that grow the bottom line.
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