Fractional CFO, Consultancy & Projects

Senior financial leadership and execution in pivotal moments — scaling, raising, restructuring, transforming.

This is the big-picture, roll-up-our-sleeves, make-it-happen work

What this is

This is senior exec financial expertise — the grown-up in the room, managing financials and risk when the stakes are real, that lets you sleep at night.

Founders, leadership teams, and boards bring me in for both:

  • navigating the financial implications of significant moments of change — pivots, restructures, expanding into new markets, recovering after a setback, funding rounds, raising investment, exits, M&A integration, ownership changes and succession
  • and for ongoing fractional financial leadership that underpins running and scaling a successful business.

The work spans:

  • Decision-making frameworks for the calls that shape what's next
  • Validating business cases — built, stress-tested, and scrutinised
  • Board-level input for the conversations that need senior weight
  • Developing KPIs and commercial strategies to drive the business forward
  • Mapping and embedding financial systems and processes that scale with the business
  • Building and developing financial models that underpin decisions
  • Reporting, budgeting, forecasting, and cashflow management — the strategic and the technical, properly joined up
  • Peer-to-peer mentoring for an existing CFO/finance teams when that's the gap

Engagements are embedded as Fractional* CFO input, scoped as a project, focused as consultancy on a specific question, or delivered in phases.

Fractional is really just a way to say 'part time' or outsourced — the kind of senior finance support big companies have in-house full time and pay >6 figures for, but scaled to what you actually need.

Who's it for

For founders, CEOs, leadership teams, boards, and in-house CFOs across a range of moments and situations:

  • Scaling start-ups — particularly post-funding, where investor expectations and rapid scale need a senior finance brain in place from day one
  • Established businesses navigating change — restructures, transformations, pivots, succession, M&A, ownership changes, recovery work
  • Agencies and professional services firms — growing into a more strategic phase, productising, repositioning, scaling
  • Groups and multi-entity businesses — wanting senior finance leadership across consolidated reporting, intercompany flows, and group-level strategy
  • In-house CFOs and finance teams — needing peer-to-peer mentoring, advisory input, or a sounding board at senior level
  • Ambitious ventures generally — wanting senior fractional CFO leadership embedded part-time as the financial backbone of what they're building

Sectors I've operated across at CFO level include agencies, professional services firms, healthcare, tech, retail and e-commerce, creative sectors, media and entertainment, manufacturing and engineering, and not for profit and public sector.

Having spent years in corporate, FTSE 100, and PE-backed environments, these days I choose to put my energy into mission-led businesses and founders building something with intention — over 'faceless' corporations.

How it works

Every engagement starts with a call — an exploration of where you're at, what you're navigating, and what kind of input would actually help. From there, I'll scope a proposal that fits the shape, depth, and timeframe of the work.

Whatever shape the engagement takes — fractional CFO embedded, defined project, scoped consultancy, or phased — the work usually involves modelling the scenarios, mapping the milestones, and digging into the numbers. Building budgets, forecasts, business plans, and cash projections that hold up to scrutiny.

And we do all of it without forgetting that real humans are operating them — factoring in energy, capacity, trust, board politics, burnout cycles, hyper-focus bursts, and yes, the full moon if it matters to you.

A unified finance function, if you want it

Where it makes sense, the fractional CFO work can, where appropriate, encompass routine accountancy through Mini CFO® Accountancy Services — so you get a single, joined-up finance function rather than two separate relationships. Equally, I can work alongside your existing external accountant.

The results

Worry, uncertainty, and risk replaced with confidence, oversight, and a clear roadmap:

  • The weight of holding the financials and the risk lifts off your shoulders — you can focus on growing the business, leading the team, and the strategic calls only you can make.
  • The financial confidence to act on the opportunities that come up — bigger contracts, raises, hires, expansions — knowing the numbers behind them stack up.
  • A grown-up at the table for the conversations that matter — boards, investors, banks, leadership team.
  • Implementation alongside the strategy — not strategy that sits in a deck.
  • An in-house CFO or finance team that's been levelled up — through mentoring, advisory input, or working alongside.
  • A finance function that scales with the business — through outcomes of our project or fractional CFO leadership alone, or unified with Mini CFO® Accountancy Services.

Why this is different

I bring a combination of skill sets, attributes, and interests that doesn't usually sit in one place.

Senior finance experience across both ends of the spectrum — start-ups and grassroots organisations through to FTSE 100, PE-backed, and complex corporate environments. Backed by nearly a decade as an ACA ICAEW Chartered Accountant, an MSc in Strategic Business Management with published research, and running my own ICAEW-regulated Chartered Accountancy practice. The technical, practical and the strategic.

Effective coaching methodology to mentoring in-house CFOs and senior teams (a qualified Level 7 Executive Coach)

Mission focus and a critique of capitalism — and who it serves.

Natural leaning towards neurodivergent-friendly ways of thinking and working not expecting anyone  to mask.

Trauma-informed lens to money for the emotive conversations real financial decisions involve.

Entrepreneurial spirit — I'm a founder myself, and I understand the texture of running something because I'm in it.

Not the stereotypical 'finance person' — relational, warm, passionate, and someone who is comfortable holding nuance rather than flattening it.

Senior finance leadership that's properly senior, properly engaged, and properly human.

FAQs

Pricing Guide

Fees depend on the scope and specifics of the engagement. Most engagements are scoped and priced based on outputs and project value rather than time. As a guide:

Projects typically start from £5,000 + VAT. That covers something like a focused forecast, business case, or scoped piece of consultancy. Larger or multi-year engagements — full financial restructures, funding strategies, finance transformations — will be more, and we'll scope that together.

Fractional CFO retainers are priced per engagement based on time, scope, and complexity and if accountancy services are to be included as well.

Indicative time-based rates (where useful for scoping) are £200 + VAT per hour,  £1,200 + VAT per full day.

Small Not-for-profits get 25% discount vs for profit organsiations. Book a call and we'll work out exactly what fits.

Book a call. We’ll scope the project together — the decisions on the table, the challenges, and the outcomes you want. From there, I’ll draft a tailored proposal that we refine together, so you know exactly how the process will work and what you’ll have in hand at the end.

No. I’ve supported early-stage start-ups gearing up for their first raise, not-for-profits and ‘life style’’ businesses reworking or implemeting change and strategy with their board, and multi-division businesses making multi-million-pound shifts. It’s not about size — it’s about the decision being critical enough to get right.

Funding rounds, pivots, restructures, expansions, or recovery plans — the kind of decisions that change the shape of your organisation. If the choice feels too important to wing, it counts. Or even if its just time for a ‘grown up’ approach and review as you level up.

Simply book a call. We'll talk through your situation — goals, current challenges, and opportunities — and explore what kind of support would make all the difference. If it feels like a fit, I'll draft a proposal that we refine together, so it fits for your reality and preferences.

It’s collaborative — and designed to be a blessing, not a burden. Most of my partnerships are a mix of structured CFO/strategy sessions, ad-hoc advice, and async support an pep talks. We don’t get lost in endless email chains (unless you love them). Instead, we use what works for you and your team — Slack, WhatsApp, DMs, Loom videos, diagrams, or checklists.

Most of my work is remote, which means I can support clients across the UK and internationally. For overseas clients, I don't handle local filings, but I do advise on systems, structures, budgets, commercial planning, and performance.

The point is that information doesn’t get stuck; it’s shared in ways that actually feel usable and neuro-friendly.

What matters isn’t where you’re based — it’s what you’re building.

Client testimonials

Check out these sparkling reviews!

We engaged with Harriet to supplement our statutory accountant services with FD Services. We had been struggling to resource these sort of services internally or with our existing accountant, and it was a breath of fresh air to be able to simply add it on, on a flexible basis.

Harriet helped to devise a creative legitimate solution to our revenue recognition problem, as well as help us with optimisation of our finance software. We implemented Transferwise with her help and also applied for 2 successful grants.

I'd recommend engaging with BTLF if you are a small business looking for extra support above and beyond simple Tax requirements, especially if you don't have an FD appointed in-house. Harriet is productive, collaborative and has really useful ideas.

Nick Richards
Exited Founder of Computer Geeks

Before working with Harriet, we wanted to remove the mystery around our finances and be clear where we were at and map out a forecast for the future and change our company structure.

Since working with Harriet, I became Co-Director! We split shares in the company and agreed on a memorandum of understanding for all eventualities. We now have a clear financial plan, and know how much money we need to bring in and by when. We have payroll and dividends worked out and have hit our targets.

What stands out about working with Harriet is that she doesn't use jargon or speak from a script - there's no gatekeeping. She explains things in an accessible way and has a can-do attitude, so it really feels like she is invested in our success. We now feel held and in control when it comes to our finances, and Harriet's accountant-meets-coach style has helped us shift our mindset to one of empowerment rather than avoidance.

We recommend Harriet to everyone!

Rebecca Burgess
Co-Director of Design Impact Studio

When I set up my CIC, I knew one of my biggest knowledge gaps was around finance. After speaking with several accountants, it became clear that I didn't just want someone to file paperwork - I wanted to learn alongside someone. Speaking with Harriet confirmed that what I really needed was a partner: someone who understood CICs and social enterprises.

The biggest shift has been in my confidence. Having regular catch-ups with Harriet - and knowing she's always on hand for any questions has made me feel so much more grounded and supported. My CIC has gone from feeling financially uncertain to becoming much more stable and resilient.

Harriet's patience - especially with my occasional panic around money - has made a huge difference. She's incredibly generous with her time and makes things clear and easy to understand. It's rare to find someone who combines technical skill with such a supportive, relational approach.

Laura Tyley
Founder of This Living Place CIC

"I wanted to feel safer with my finances and not so dysregulated around key milestones — and working with Harriet is exactly that. She is there to reassure me when I get in a tailspin; calming, reassuring, clearly super knowledgeable, and she keeps everything in order.

Her sensitivity to working in a brain-first way, and with those who may have neurodivergence, really stood out. I have recommended Harriet to a number of people."

Laura Taylor-Williams
Founder of Media Stori Consultancy

Before working with Harriet, we were hoping to gain a better understanding of our business finances and achieve financial clarity to allow us to make changes to the business. Since we started working together, we have much greater confidence in making financial decisions.

What stands out about working with Harriet is that she provides pragmatic and helpful advice in a clear and straightforward format.

As a business owner who does not have a financial background, Harriet takes the time to provide useful and structured guidance to allow us to make effective decisions.

Mark Jerzak
Managing Director of MESH Engineering

Schedule a complimentary call with Harriet today

Harriet offers a no pressure chat, to get to know each other, delve into your business, discuss any current challenges you’re facing, and explore your goals and aspirations.

These calls are ideal whether you already have a clear idea of your needs or want to scope it out together and get a taster of my style. I’m excited to connect with you and learn more about your journey!

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