Blog Financial and Professional Services

What does a Fractional Finance Director Actually do?

31 Mar 2026 • 3 min read

What the business needs.
It is important to remember that, not all businesses are the same and not all clients want the same level of service.

A good Fractional Finance Director does what the business needs.

However, below I outline, broadly the activities that I undertake on a monthly basis for a “standard” client.

I have tried to keep it simple as this isn’t aimed at other finance professionals it’s for owner-managers.

What does the business need to have in place?

As a Fractional FD I build on your finance function – I don’t replace it.

Your business should already be able to:
• Keep accurate, up-to-date records
• Raise and post sales invoices and costs
• Stay on top of credit control (getting cash in)
• Reconcile key balances (bank, VAT, etc.)
• Have someone handling day-to-day finance (FC / bookkeeper / accounts team)

Why this matters:
• Saves time (and cost) on fixing errors
• Let’s me focus on helping you run the business, not tidying the books

How much time does a Fractional FD need per month?

I typically need around 4 days per month.

If the above is in place and there are no significant one-offs, such as major fundraising or buying/ selling all or some of a business.

If this seems like a lot for your business, maybe it is, as I said above all business are different and all clients are different, so speak to me.

Review the numbers & support your team – 1 Day

Working with your finance person/team:
• Check the underlying numbers make sense
• Post key adjustments
• Spot errors or gaps
• Guide and train the team

What you get:
• Confidence your numbers are right
• A stronger, more capable finance team
• Fewer nasty surprises later

Prepare Monthly management accounts & board pack – 1 Day

• Prepare clear management accounts
• Highlight key trends (sales, margins, costs)
• Explain what’s going well – and what isn’t

What you get:
• Numbers that are actually useful
• Clear visibility on performance
• Better, faster decision-making

Board meeting / leadership support – ½ day

• Talk you through the numbers
• Answer questions in plain English
• Challenge where needed
• Link financials to real business decisions

What you get:
• More confidence in your decisions
• Proper financial input at leadership level
• Someone who can translate numbers into actio

Help to manage Cashflow & working capital – ½ Day

Focus on the lifeblood of the business:
• Cashflow forecasting
• Getting cash in faster (credit control)
• Managing stock levels
• Planning supplier payments

What you get:
• Fewer cashflow headaches
• Better control over money in and out
• A more stable, predictable business

General support & sounding board – ½ Day

• Ad hoc questions
• Input on pricing, hiring, investment
• Talking to banks or investors if needed

What you get:
• Access to an experienced FD without hiring one full-time
• A second opinion on important decisions
• Someone in your corner

Planning & one-offs – ½ Day

• Budgets and forecasts
• Scenario planning (“what if we…”)
• Year-end prep
• Improving systems and processes

What you get:
• A business that’s looking ahead, not just reacting
• Less stress around year-end
• Better planning for growth

Summary

A fractional FD helps you:
• Understand your numbers
• Control your cash
• Make better decisions

All without the cost of a full-time hire.

For many owner-managed businesses in the £2m–£50m range, it’s the missing piece between
basic bookkeeping and real financial leadership