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Strategic Financial LEADERSHIP
Most business owners make critical financial decisions alone. A Fractional CFO is the experienced financial brain by your side every single month — at a fraction of the cost of a full-time hire.
🏥 Care Homes
🏠 Domiciliary Care
👥 Recruitment
🏗️Construction
💼 Professional Services
🛒 E-commerce
🚀 Tech Startups
What Is A Fractional CFO?
Most businesses doing £500K–£10M in revenue are running their finances with a bookkeeper handling transactions and an accountant filing returns. Both look backwards. Neither is looking forward.
A Fractional CFO sits above the day-to-day numbers and focuses on the strategic financial decisions that determine whether your business grows, stabilises, or struggles — cash flow planning, profitability improvement, financial forecasting, and the commercial decisions that keep your business moving forward.
The Value Case — At a Glance
💷 A full-time CFO costs £120,000–£180,000 in salary alone. All-in with NI, pension and recruitment: £200,000–£300,000 per year.
💷 A DBC Fractional CFO costs £12,000–£30,000 per year — a saving of £170,000–£270,000 annually.
💷 Most clients recover the full annual cost of their Fractional CFO within the first 90 days through profit improvements and better financial decisions.
The question is not whether you can afford a Fractional CFO. It is whether you can afford not to have one.
“Most businesses don’t fail because of a bad product or a weak team. They fail because the financial infrastructure never caught up with the ambition.”
The Difference
This is the most important distinction to understand. Both are valuable — but they serve completely different purposes. Confusing the two is costing you money every single month.
Your accountant is not failing you. They are doing exactly what they are paid to do. The gap is that compliance is not strategy — and without strategy, your business is navigating without a map.
Fractional CFO vs Full-Time CFO
When your business reaches the point where a full-time CFO is genuinely justified — we will tell you honestly, help you define the role, and support the transition.
Important Clarity
We believe in complete clarity before any engagement begins. A Fractional CFO is a specific role with a specific purpose.
What We Are
What We Are Not
Do You Recognise This?
If three or more of these sound familiar — the cost of not having a Fractional CFO is almost certainly higher than the cost of one.
“I make decisions based on gut feeling because I don’t trust the numbers”
Without accurate forecasting and scenario planning, it is almost impossible to make confident decisions. Whether you are hiring, expanding, or investing — without a CFO, you are guessing. And in a business with tight margins, guessing is expensive.
“Revenue is growing but I seem to have less money than last year”
This is almost always unmanaged cost creep — costs growing faster than revenue without anyone tracking or flagging it. A Fractional CFO catches this pattern early and stops it before it becomes a crisis.
“I don’t know if I can afford to hire another member of staff”
Hiring decisions made without a financial model are one of the most common ways growing businesses destroy their cash flow. A Fractional CFO models the exact financial impact of every significant decision before you make it.
“I’m so busy running the business I have no time to think about its finances”
This is the most dangerous position of all. The less visibility you have over your finances, the more likely you are to miss the warning signs — until they become emergencies.
“I want to attract equity investment but don’t know how to prepare”
Investors require robust financial models, clear KPI frameworks, and credible projections before committing capital. Without CFO-level preparation, most business owners cannot produce what is required.
⭐ Already Completed a DBC Financial Health Check?
If you have gone through a DBC Financial Health Check and know exactly where your profit is leaking — a Fractional CFO is your natural next step. We take the findings from your Health Check and make them happen, month by month, until every identified opportunity has been recovered and protected.
Who This Is For
Most Fractional CFOs offer generic financial leadership. DBC goes further — combining CFO-level strategic expertise with deep knowledge of your specific sector.
We serve UK businesses remotely and work with international ventures — particularly across the Middle East.
“Your care business has an accountant. What it needs is someone who understands the numbers AND the sector — and can tell you exactly what to do about both.”
“Platform commissions on Reed, Alison, Groupon and Udemy can swallow 50–80% of gross revenue. You need financial leadership that truly understands multi-channel margin complexity.”
“Temporary vs permanent margin confusion, contractor liability, and cash flow gaps between placements and payment. Recruitment finances are complex — and most agencies are running blind.”
“Project-based revenue, retention payments held for months, subcontractor liability, and cash flow gaps between invoicing and payment. Construction finances need forward-looking leadership.”
“Law firms, marketing agencies, consultancies, and similar businesses. High revenue on paper — but utilisation rates, billing gaps, and overhead creep quietly destroy the margin.”
“Inventory management, platform fees, blended margins across channels, and return rates — e-commerce finances are more complex than most founders realise.”
“Whether you are building a UK startup or launching a new venture from the Middle East — the financial complexity of early-stage growth needs strategic oversight from day one.”
What You Get
A DBC Fractional CFO engagement is structured around a clear monthly rhythm — so you always know exactly what you are getting, when you are getting it, and what it means for your business.
Every Month
Every Quarter
Every Year
Always Available
How It Works
We designed our onboarding process to deliver real, visible value within the first month. By day 30 you will have financial infrastructure that most businesses your size simply do not have.
01
20-min call
Scope confirmed
Fit assessed — honestly
02
Financial diagnostic
Systems reviewed
90-day plan built
03
Cash forecast live
KPI dashboard built
First strategy call
04
Monthly rhythm
Quarterly reviews
Always available
“Within 90 days of starting with DBC, you will have a clear weekly cash flow view, monthly management accounts you actually understand, a KPI dashboard tracking what matters in your business, and a financial action plan you are already implementing. All handled in strict confidence.”
Investment
All engagements begin with a free discovery call. We agree scope, confirm fit, and provide a clear proposal before any commitment is made. Minimum 3-month engagement, rolling monthly thereafter with 30 days notice on either side.
Foundation
For businesses with £500K–£1M turnover
3-month minimum · Rolling monthly thereafter · 30 days notice
⭐ Most Popular
⭐ Growth — Most Popular
For businesses with £1M–£3M turnover
3-month minimum · Rolling monthly thereafter · 30 days notice
Strategic
For businesses with £3M–£10M turnover
3-month minimum · Rolling monthly thereafter · 30 days notice
All prices exclude VAT. All client information handled in strict confidence. Engagements reviewed every 6 months to ensure scope reflects your business needs.
Already a DBC Client?
If you have already completed a DBC Business Growth & Financial Health Check — you already know exactly where your profit is leaking. The findings are documented. The recommendations are clear.
The question now is: who is going to make sure they actually happen?
The Numbers — From Health Check to Fractional CFO
→ Average profit leakage identified in a DBC Financial Health Check: £10,000–£50,000 per year
→ Annual cost of DBC Fractional CFO Growth tier: £21,000
→ Conservative net gain in year one (£30K recovered, £21K invested): £9,000+
→ From year two onwards — full recovery retained, investment cost remains fixed
→ Most Health Check clients cover the entire annual CFO cost within the first 3–4 months of implementation
The Professional Edge
Sector Specialist — Not a Generalist
Most Fractional CFOs understand finance. DBC understands finance AND your industry. We know what a healthy care home P&L looks like. We know what platform commission does to EdTech margins. We know the difference between a recruitment agency that is growing profitably and one that is growing dangerously. That sector knowledge is the difference between generic advice and decisions that actually move the needle.
ACCA-Qualified With a Real Commercial Track Record
DBC is led by an ACCA-qualified chartered accountant who has scaled businesses from £1M to over £4M net revenue, grown profitability from 3% to 21% within a single business, and recovered over £100,000 through direct HMRC negotiation. This is not theoretical expertise — it is a proven commercial track record across multiple sectors and international markets.
Fixed Monthly Fee. Complete Transparency.
Every engagement is agreed upfront with a fixed monthly retainer. No hourly billing. No surprise invoices. No scope creep without your agreement. You know exactly what you are paying and exactly what you are getting — every single month.
Plain English. Always.
Financial leadership is only valuable if you actually understand it. Every report, every call, every recommendation from DBC is delivered in plain English — not accounting jargon. Our job is to make your numbers simple, clear, and immediately actionable.
Common Questions
Do I still need my accountant if I have a Fractional CFO?
Yes — and we work alongside your existing accountant. Your accountant handles compliance, tax returns, and year-end filing. We handle strategy, forecasting, and commercial financial leadership. The two roles are completely complementary. We will liaise with your accountant directly where needed.
How quickly can you start?
Most engagements begin within 2–3 weeks of the initial discovery call. Once scope is agreed and the engagement letter is signed, we move quickly. There is no lengthy recruitment process or notice period to wait out.
What if my finances are in a mess — is that a problem?
Not at all — it is actually where we add the most value. Many clients come to us precisely because their finances are unclear, inconsistent, or overwhelming. Part of our onboarding process is establishing clear financial infrastructure from scratch if needed. We have seen it all.
Do you work remotely or in person?
We are remote-first and serve businesses across the UK and internationally. All strategy calls, reporting, and advisory work is delivered remotely. This keeps costs low and means geography is never a barrier. For clients based in the Midlands, in-person meetings can be arranged where genuinely needed.
What happens after the 3-month minimum?
After the initial 3-month period the engagement rolls monthly. Either party can end the arrangement with 30 days written notice. There are no penalties, no lock-in, and no awkward conversations. We believe the relationship should continue because it is delivering value — not because of a contract.
How is this different from hiring a Finance Manager?
A Finance Manager typically handles day-to-day financial operations — processing, reporting, reconciliation. A Fractional CFO operates at board level — strategy, forecasting, investment decisions, and commercial leadership. DBC provides CFO-level thinking, not finance management. The two serve different purposes.
Get Started
Book a free 20-minute discovery call. We will tell you within that call whether a Fractional CFO is the right next step for your business — honestly, without pressure.
contact@dynamicbusinessconsultancy.com │ 07386 892614 │ dynamicbusinessconsultancy.com
