Understand your profit
Monthly accounts, budget comparisons and plain-English explanations of what changed and why.
Reporting packages ↗FRACTIONAL FINANCE MANAGEMENT & LEADERSHIP
Management accounts.
Cashflow planning.
Finance leadership.
Understand your business performance, plan cash with confidence and get experienced financial input on your next decision. Fractional finance management and leadership, with bookkeeping available where your business needs it.
Fully remote across the UK · Dedicated finance support
A little more clarity.
A lot more confidence.
YOUR FINANCE, IN FOCUS
Illustrative view
Reporting illustration, not client results.
A lot more confidence.
YOUR FINANCE, IN FOCUSMonthly overview
The bigger picture.
PerformanceUnderstand it.
CashflowPlan ahead.
Numbers with a next step.
Know what matters. Know what to do.
Beyond the spreadsheet.Practical support. Clear decisions.
25 yearsfinance experience
Xero Certifiedconfident cloud accounting
AAT QualifiedCIMA Part-Qualified
Fully remotebased in Rutland · UK-wide
START WITH WHAT YOUR BUSINESS NEEDS
What would make
the biggest difference?
You don’t need to know which finance job title to choose. Tell us what you need help with and how your books are handled.
CAN YOU HELP WITH MY ACTUAL TASKS?
Practical help.
Clear responsibilities.
Choose ongoing support, a focused project or a combined service. The written quote confirms who does each task and the total fee.
Plan cash and decisions
Cashflow forecasts, payment priorities and financial input on hiring, pricing and investment.
Management and leadership packages ↗Keep the books up to date
Process invoices, receipts and expenses; reconcile bank accounts; maintain customer and supplier balances.
Bookkeeping packages ↗Invoices, credit control, payroll, VAT and year-end: who does what?
| Task | How it is covered |
|---|---|
| Record invoices and reconcile banks | Included within the agreed bookkeeping volume. Add bookkeeping to another service through a combined quote. |
| Raise customer invoices or chase unpaid bills | Hands-on invoicing and credit control can be scoped separately. Reviewing overdue balances does not automatically include chasing customers. |
| Plan supplier payments | Payment planning is available in finance management. Your business approves and authorises payments. |
| Payroll and VAT-return support | Separately quoted, with the exact preparation, review and submission responsibilities agreed in advance. |
| Year-end accounts and tax | Fluent Finances can prepare records and coordinate with your external accountant. Statutory accounts, audit and specialist tax work are outside these monthly packages. |
| Regulatory financial reporting | Experience includes FCA returns and supporting regulatory reviews. Assistance with specific financial returns or supporting schedules is assessed and scoped separately. |
CLEAR STARTING PRICES
Choose the work.
Agree one clear fee.
Five starting points, with tasks and delivery agreed around your business. Use one service alongside your existing team, or request a combined package.
The packages are separate services. A higher price does not automatically include bookkeeping. Your tailored quote lists all included work and one total fee.
Finance Manager
Manage your cash and finance routine
From £1,200/ month
For growing businesses that need hands-on finance coordination.
- Monthly management reporting
- 13-week cashflow forecast, updated monthly
- Debtor review and credit-control priorities
- Supplier payment planning
- Budget tracking and monthly owner review
- Coordination with your bookkeeper and accountant
You receive: Monthly reporting, a cash forecast, overdue-invoice priorities and a supplier payment plan.
- Starting fee assumes
- One business with bookkeeping maintained. Monthly reporting, a monthly 13-week cash update and owner review.
- Quoted separately if needed
- Bookkeeping, active debt chasing, weekly cash updates or extra operational support.
Financial Controller
Strengthen reporting and controls
From £1,750/ month
For businesses that need stronger reporting, controls and oversight.
- Own the agreed month-end timetable and reporting pack
- Review balance sheet reconciliations and key accounting judgements
- Maintain a rolling cashflow forecast
- Monitor financial controls and resolve reporting issues
- Coordinate year-end information with the external accountant
- Review finance processes and support the existing team
You receive: A reliable month-end cycle, reviewed reconciliations and tracked control improvements.
- Starting fee assumes
- One business with daily processing covered. Monthly reporting and fortnightly cashflow updates.
- Quoted separately if needed
- Bookkeeping, group reporting, historic catch-up or additional team support.
Fractional Head of Finance
Get senior support for business decisions
From £2,500/ month
For leadership teams that need senior finance input without a full-time appointment.
- Lead the agreed finance priorities and reporting agenda
- Review management accounts and turn findings into actions
- Maintain a rolling profit and cash forecast
- Model agreed decisions such as hiring, pricing or investment
- Prepare leadership or board reporting and attend a monthly review
- Set control, process and performance improvement priorities
You receive: A leadership reporting pack, rolling forecast and financial input on agreed decisions.
- Starting fee assumes
- One business with operational finance covered. One monthly leadership review and an agreed forecasting cycle.
- Quoted separately if needed
- Day-to-day finance delivery, complex modelling, extra meetings or multi-entity work.
Management Accountant
Understand your monthly performance
From £650/ month
For owners who want to understand the monthly numbers.
- Monthly profit & loss and balance sheet
- Accruals and prepayments
- Key balance sheet reconciliations
- Budget-versus-actual analysis
- Performance commentary and review call
You receive: A monthly accounts pack explaining profit, balances and budget differences.
- Starting fee assumes
- One business with clean, reconciled books. One monthly pack and a 30-minute review call.
- Quoted separately if needed
- Bookkeeping, catch-up work or additional reporting.
Bookkeeping
Keep your books up to date
From £300/ month
For a small business that needs reliable records.
- Invoice, receipt and expense processing
- Bank and card reconciliations
- Sales and purchase ledger maintenance
- Debtor and creditor balance review
- Month-end handover of records
You receive: Up-to-date, reconciled records and a list of outstanding items.
- Starting fee assumes
- One business, up to 100 monthly transactions and two bank/card accounts. Digital records supplied on time.
- Quoted separately if needed
- Historic catch-up, customer invoice raising, active debt chasing, payroll or VAT support.
Need bookkeeping and management accounts together? Request one combined quote. Fees are based on transaction volume, record quality, number of businesses and delivery frequency. Any onboarding, catch-up work, software costs and applicable VAT are shown before you agree to proceed.
WHAT WILL I ACTUALLY RECEIVE?
A useful monthly picture.
With actions attached.
Reporting should explain what the numbers mean for your business. This fictional example shows the kind of information a reporting pack can bring together; the actual contents depend on your scope.
Example monthly finance summary
Illustrative figures · not client resultsSales£54,000
Against an agreed budget of £50,000.
Operating profit£5,400
After £32,400 direct costs and £16,200 overheads.
Closing cash£18,000
£21,000 opening cash + £48,000 receipts − £51,000 payments.
What needs attention?
£7,800 of customer invoices are overdue. Confirm collection dates and review the next supplier payment run against the cash forecast.
Management accounts show profit and balances. Cashflow forecasting and credit-control activity depend on the service agreed.
EXPERIENCE YOU CAN DRAW ON
Experience behind
the numbers.
Hands-on finance experience across individual businesses and multi-entity groups, from day-to-day accounts to reporting, cashflow and senior decision support.
That experience includes leading finance operations, preparing monthly management accounts and group reporting, reconciling balances, monitoring budgets, planning cashflow, and managing banking and treasury. It also includes preparing FCA returns and providing reconciled financial information for audit and regulatory reviews.
With 25 years of practical finance experience, Fluent Finances connects the detail behind the numbers with the decisions a business needs to make—bringing clear reporting, reliable processes and useful financial oversight.
Sector experience covers e-commerce and businesses selling through online platforms, engineering and project accounts, manufacturing, funded learning organisations, and care-home and rehabilitation groups.
You work directly with an experienced finance professional. The tasks, delivery dates and level of support are agreed around your business, so you know what to expect and who is responsible.
Xero CertifiedAAT QualifiedCIMA Part-Qualified
Let’s talk about your business WORKING WITH YOUR SYSTEMS
XeroSageExcel
Reporting, reconciliations and practical process improvement.
A SPECIFIC PROBLEM TO SOLVE?
Ongoing partner.
Or a focused project.
You don’t always need a monthly retainer. Bring in experienced support for a defined piece of work, with deliverables and a fixed quote agreed before it starts.
Forecasts & budgets
Build a practical 13-week cashflow, annual budget or rolling forecast around agreed assumptions.
Discuss the project ↗Reporting & systems
Create a useful management pack, improve Excel reports or simplify a repeated finance process.
Discuss the project ↗Catch-up & clean-up
Reconcile historic records, resolve outstanding balances and get ready for a reliable reporting cycle.
Discuss the project ↗Multi-entity reporting, payroll, VAT-return support and temporary cover can also be discussed and scoped separately.
HOW WE WORK TOGETHER
Clear from the start.
01
Talk it through.
Describe the jobs you need done, your systems and the support already in place. We review the fit and available capacity.
02
Agree the work.
Receive a written proposal with tasks, total fees, delivery dates, communication, any minimum term and the information needed from you.
03
Get into a rhythm.
Set up agreed access and document sharing. Work begins to the agreed timetable, with changes to scope and fees agreed in advance.
A FEW USEFUL ANSWERS
Let’s make
it clear.
Will you replace my existing accountant?
Fluent Finances can work alongside your accountant or bookkeeper. The focus is ongoing records, useful reporting, cash planning and finance management. Statutory accounts, audit and specialist tax work stay with the appropriate external adviser.
Does a reporting or senior package include bookkeeping?
Only if it is included in your written quote. Starting prices for reporting and senior support assume your records are already maintained. If you need both, the combined quote lists the complete service and one total fee.
What will my total monthly fee be?
The quote is based on the tasks you need, transaction volume, record quality, number of businesses and delivery frequency. It confirms the total monthly fee and identifies any one-off onboarding, catch-up or software costs and applicable VAT before you agree.
Can you chase customers and handle supplier payments?
Active invoice chasing can be agreed as additional credit-control work. Reviewing overdue balances is included where listed, but does not automatically include chasing. Supplier payment planning can be included; your business retains approval and authorisation of payments.
How do we work together remotely?
Through agreed accounting-system access, document sharing and scheduled phone or video calls. Your proposal sets reporting dates, meeting frequency, available support and how urgent requests are handled.
Is there a minimum commitment?
The written proposal confirms any minimum term, notice period and available capacity before work starts. You can also request a fixed-scope one-off project.
Can you support regulatory financial reporting?
The experience behind Fluent Finances includes preparing FCA returns and reconciled financial information for audit and regulatory reviews. Any client work is assessed individually, with specific returns, supporting schedules, deadlines and responsibilities agreed before it starts.
Are you Xero Certified?
Yes. Fluent Finances is led by a Xero Certified, AAT-qualified and CIMA part-qualified finance professional with 25 years of practical finance experience. Support is also available with Sage and Excel.
LET’S TALK FLUENT FINANCE
Better numbers.
Better decisions.
Let’s begin.
Tell us what is taking too much time, what you need to understand and what support you already have. You don’t need to choose a package to enquire.
hello@fluentfinances.co.ukFluent Finances · Rutland · Fully remote, UK-wide