SME Support — Frctnl Finance

SME Support

For SMEs generating £1m–£20m revenue, financial complexity increases faster than internal capability. We provide experienced, hands-on CFO support to bring clarity, control, and forward-looking insight. From cash flow to strategic planning, we help you make better decisions, improve performance, and scale with confidence, without the cost of a full-time CFO.

Financial Health Check

Our 20-point financial health check provides a clear, objective view of your business’s financial position. We assess key areas including cash flow, profitability, cost structure, working capital, reporting quality, and financial controls. The review highlights strengths, identifies risks, and uncovers opportunities to improve performance. You’ll receive a concise report with practical, prioritised recommendations, not just observations. Designed specifically for SMEs, this service gives you clarity on what’s working, what isn’t, and where to focus next to strengthen financial resilience and support sustainable growth.

Cash Flow Management

Gain clear, forward-looking visibility over your cash position. We implement rolling forecasts, identify pressure points early, and help you make confident decisions around spending, hiring, and investment. With regular updates and practical guidance, you stay in control of liquidity, reduce surprises, and ensure the business has the cash it needs to operate smoothly and fund growth.

Budgeting and Forecasting

Build financial plans that actually reflect your business. We create robust budgets and rolling forecasts, aligned to your strategy and updated as conditions change. With clear assumptions and scenario flexibility, you gain a forward-looking view of revenue, costs, and cash, enabling better planning, resource allocation, and more confident decision-making.

Technology Solutions

Selecting the right finance systems is critical as your business scales. We help you design a finance tech stack that fits your needs, covering accounting, reporting, forecasting, and integrations. From evaluating options to implementation planning, we ensure your systems are efficient, scalable, and aligned to how you operate, giving you better data, stronger controls, and more reliable insight.

KPI & Performance Tracking

Focus on the metrics that matter. We define and track KPIs aligned with your strategic goals, building clear dashboards that give real-time visibility over performance. This helps you spot trends early, improve accountability across teams, and create a more disciplined, data-driven culture where decisions are based on evidence, not instinct.

Financial Modelling

Support key decisions with structured analysis. We build flexible financial models to evaluate growth plans, investments, and strategic changes. With clear assumptions and scenario analysis, you can understand risks, returns, and funding requirements before committing—giving you confidence in the financial implications of your decisions.

Scenario Planning & Risk Analysis

Prepare for uncertainty with structured planning. We model different scenarios—such as changes in revenue, costs, or investment—to assess their impact on your financial position. This helps you understand risks, plan responses in advance, and make more informed decisions in an uncertain environment.

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