Fractional FD & CFO

Fractional FD & CFO services: Flexible finance leadership when you need it most

When key finance staff are unexpectedly absent, or your business is scaling faster than your current team can manage, the impact on your operations can be significant.

At Armstrong Watson, we understand the challenges UK businesses face. Maintaining financial control, securing funding, and keeping strategic decisions on track require senior expertise—but a full-time hire isn't always practical or cost-effective.

That’s why we developed our Fractional FD and CFO Service. We provide the high-level financial leadership and support your business needs, as a part-time or interim solution, without the cost and complexity of a full-time executive.

What is a Fractional Finance Director?

A Fractional Finance Director (FD) or Chief Financial Officer (CFO) provides businesses with highly experienced, part-time financial leadership.

Our unique approach

We blend the strategic oversight of senior finance professionals with the cost-effective, hands-on execution of our junior team members. This gives your business access to a complete, fully functioning outsourced finance department at a fraction of the cost of traditional recruitment.

Benefits of our Fractional CFO services

  • Named, experienced relationship manager: You receive a dedicated senior finance professional who understands your industry and provides proactive, strategic oversight.
  • Access to a full breadth of expertise: From day-to-day financial management to high-level corporate planning, you gain a whole team's wide range of skills, not just one individual's.
  • Zero placement fees: Unlike traditional executive search recruitment, there are no hidden costs or agency fees—just transparent, value-driven pricing.
  • Reduced recurring costs: By efficiently delegating execution to junior support while retaining senior strategic insight, we deliver exceptional service at a highly competitive rate.
  • No HR overheads or recruitment risks: Eliminate the burden of managing notice periods, HR administration, or the risk of a bad hire. Our fractional model gives you instant flexibility and peace of mind.

Real-world impact: How we transform finance functions

We’ve seen first hand how injecting the right part-time financial expertise can transform operations for mid-market businesses.

Streamlined management reporting

The challenge: A business was struggling with management reporting that took 15 business days to produce, delaying critical decisions.

The solution: Acting as an Interim FD, our expert identified inefficiencies and mapped out a new reporting structure.

The result: Turnaround time was reduced to just 5 days. The significant remapping and integration work in Xero and Fathom was executed by our junior staff under senior supervision—delivering the high-quality outcome of a full-time hire at a significantly lower cost.

Flexible support for strategic growth

The challenge: A client needed to adapt to changing market priorities and required capital expansion.

The solution: We flexed our fractional hours over several months to ensure daily continuity. Simultaneously, we brought in a specialist from our Corporate Finance team to advise on complex funding options.

The result: By leveraging our fractional model, the client accessed niche, specialist corporate finance expertise exactly when they needed it, securing the right funding without committing to a permanent executive hire.

Why choose Armstrong Watson for your finance function?

We’re more than just accountants; we’re trusted business advisers who work alongside you to protect, grow, and transform your business. Our Fractional FD/CFO service is built entirely around your specific needs, offering reliability and peace of mind when it matters most.

Whether you need to maintain financial control during an absence, modernise your reporting efficiency, or access specialist advice for strategic growth, we are here to help.

Ready to strengthen your finance function? Speak to our team today to find out how Armstrong Watson can provide the right financial support at the right time.

Call NOW to speak to one of our Accountants

Call: 0808 144 5575

Frequently Asked Questions

While often used interchangeably, there are slight differences. An Interim FD is typically brought in full-time for a short, fixed period (e.g., to cover maternity leave or a sudden departure). A Part-Time FD works a set number of days per week. A Fractional FD, like our service at Armstrong Watson, provides the exact "fraction" of expertise you need, scaling up or down as your business demands. We also uniquely blend senior strategic oversight with junior team execution to keep your costs down.

A Fractional CFO costs significantly less than a full-time executive hire, as you only pay for the time and level of expertise you actually need. Because Armstrong Watson utilises a blended model—where high-level strategy is handled by a senior director, but day-to-day execution is handled by our junior staff—your recurring costs are kept highly competitive, and there are absolutely no recruitment placement fees.

Our Fractional FD services are ideal for medium-sized UK businesses. Typically, these are growing companies that have outgrown their basic bookkeeping or junior finance team but do not yet have the budget or requirement for a £100k+ full-time Chief Financial Officer.

We can act swiftly. Because we already have an established team of finance professionals, we bypass the lengthy notice periods and recruitment drives associated with hiring directly. We can step in quickly to ensure continuity, maintain financial control, and keep your strategic goals on track.

Yes. Our team is highly experienced in all major accounting platforms, including Xero, Fathom, and many others. We can adapt to your current tech stack or, if needed, identify inefficiencies and help you migrate to a more streamlined reporting structure.

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