Not every growing business needs a full-time CFO. But every growing business needs CFO-level thinking. A fractional CFO gives you senior financial leadership — strategic planning, cash flow management, investor relations, and financial rigour — on a flexible basis that matches your stage and budget. Based in London, I work with SaaS, AI, and tech companies across the UK.
At ScaleWithCFO, I don't just review your numbers once a month. I embed into your team, attend your leadership meetings, and bring financial clarity to every strategic decision. Whether you're in London, Manchester, Birmingham, Edinburgh, or anywhere else in the UK, the model works the same — a combination of on-site and remote working, tailored to what your business actually needs.
A fractional CFO provides the same strategic financial leadership as a full-time hire, but at a fraction of the cost. For UK-based SaaS and tech companies, that typically covers:
Building your financial model, setting meaningful KPIs, creating budgets tied to your growth plan, and running scenario analysis. This includes long-range planning, monthly reforecasts, and making sure your financial plan connects to your commercial strategy — not just your accounting.
Cash kills more UK startups than bad products. I build 13-week cash forecasts, optimise your working capital cycle, manage burn rate, and make sure you never get surprised by a cash crunch. For SaaS businesses, that means understanding the gap between revenue recognition and cash collection.
Whether you're raising a Seed round, Series A, or preparing for exit, I build the data room, prepare investor-ready financials, model your unit economics, and present a compelling financial narrative. I've supported multiple UK SaaS fundraises and know what UK and European VCs look for.
Monthly management accounts that actually tell you something useful. Not just a P&L and balance sheet — SaaS metrics like MRR, churn, LTV:CAC, and net revenue retention, presented in a way that drives decisions. Plus board packs that keep investors informed and confident.
If you're thinking about an exit in the next 12-24 months, now is when the financial preparation starts. I help UK founders build the financial story that maximises valuation — clean accounts, defensible projections, and a narrative that buyers and investors trust.
Most UK SaaS companies between £1M and £10M ARR aren't ready for a full-time CFO. The salary alone is £120-180k, plus equity, benefits, and the risk of hiring the wrong person. But you still need the strategic thinking.
A fractional CFO gives you that expertise for a fraction of the cost. Typically 1-3 days per week, scaling up when you need it — fundraising, board meetings, year-end — and scaling down when you don't. It's the model that's taken off across the UK because it matches how modern businesses actually operate.
The businesses I work with share a few characteristics: they've found product-market fit, they're growing but the finances feel chaotic, their investors are asking harder questions, or they're preparing for a fundraise or exit. Most are SaaS, AI, or tech companies based in London, but I also work with founders in Manchester, Birmingham, Bristol, Edinburgh, Leeds, and across the UK.
Typical engagements start at 2 days per month and go up to 3 days per week, depending on complexity and what's on the horizon.
A fractional CFO is usually the right fit if you're a UK SaaS or tech company with £300K-£20M in revenue, you've outgrown your accountant, and you need someone who can think strategically about the finances — not just record them. If you're preparing to raise capital, planning for exit, or simply want to make better financial decisions faster, let's talk.
Book a free discovery call to discuss how fractional CFO services could work for your business.
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