Your SME Outsourced Fractional Finance & Operations Director.
Based in Somerset and Covering South West England
Results, Clarity & Control with the 'Lock & Ledger Method'
Tech-enhanced, hands-on finance leadership: Boost profit, cash & confidence for ambitious SMEs.
No Full Time cost, all the expertise.
My Expertise
Lock & Ledger Ltd is a leading provider of financial director services and operational advice for small and medium-sized enterprises (SMEs). Based in Somerset and covering the whole of the UK, I excel in optimising business strategy and operational efficiency, guiding clients to streamline processes and achieve sustainable growth.
My Specialisations
Strategic Growth & Scaling Support
Achieve Confident, Data-Driven Growth Decisions
Unlock your company’s true potential with financial strategies designed for ambitious growth. We create robust budgets, detailed forecasts, and actionable KPIs, giving you a clear roadmap to scale with confidence and clarity. Our outsourced finance director services help UK businesses move from reactive to proactive financial management.
Cash Flow & Working Capital Optimisation
Strengthen Liquidity and Boost Financial Stability
Gain control over your cash flow and working capital so you can focus on growth instead of firefighting. We identify and resolve cash bottlenecks, improve your cash cycle, and free up liquidity to reinvest in your business. Crucial support for scaling SMEs that need reliable financial foundations
Interim & Project-Based Finance Leadership
Maintain Financial Clarity During Critical Transitions
Whether you need a short-term FD during a key business change or expert input for one-off projects, we step in seamlessly to provide leadership and stability. Our flexible fractional finance director services let you stay agile without committing to a full-time hire, ideal for periods of growth or restructuring.
Finance Team Development & System Optimisation
Build a scalable, Efficient Finance Function
Future-proof your operations by professionalising your finance processes, implementing the right systems, and mentoring your team. We ensure your in-house finance function is equipped to handle your company’s next stage, while you benefit from the expertise of an outsourced FD.
Lock & Ledger Insights
20+
Years of Experience
100%
Client Satisfaction
6-15%
Average Client Margin Improvement
30 Days
Cashflow Turnaround
Why Choose Us
1
Profit-Focused Financial Leadership
I go beyond the numbers. Partnering with you to unlock profitability through hands on financial strategy, cost control and smart forecasting.
2
Scalable Growth Strategies
With deep experience in scaling operations from £1m to £20m+ targets, I align finance with your growth ambitions without the overhead of a full-time FD.
3
Proven Operations Insight
From construction, manufacturing, retail, energy and service, I bring cross sector lens to streamline processes, boost cash flow, and make finance a driver of efficiency
4
Fast, Practical Results
No jargon, no delays. I deliver clean action plans, implement improvements quickly, and stay focused on measurable business outcomes.
Common Questions
Is a fractional CFO worth it?
Yes – for SMEs, a fractional CFO/FD offers senior financial leadership at a fraction of the cost of a full-time hire. At Lock & Ledger, we typically uncover profit leaks, improve cashflow, and build reporting structures that pay for themselves many times over.
Is a Fractional FD the same s an accountant?
Not quite. An accountant prepares accounts and ensures compliance. An FD provides advice and strategy. Lock & Ledger offers both compliance insight and strategic direction.
What is the difference between a fractional FD and a consultant?
A consultant often advises then steps away. A fractional FD is embedded in your team, working part-time but long-term, driving results alongside you. Lock & Ledger takes the hands-on approach to ensure lasting improvements.
Client Testimonials
"Working with Kim was a total game-changer. She didn’t just help us get our finances in order, she showed us how to grow sustainably and actually boost our profit margins."
"Kim has this rare ability to spot inefficiencies and fix them fast. Our operations are smoother, and we're saving money month-on-month. Highly recommend."
"What stood out most was how quickly Kim understood our business. Her strategic input helped us scale with confidence, without losing control of our costs."