Business finance team optimising supplier strategy and cost reduction

See the Lock & Ledger Method in Action - Transforming SME Finance and Operations Across the UK

A proven, Jargon-free, data driven process for rapid clarity, profit, growth and operational excellence

Our 3-step process to Financial & Operational Excellence

Rapid Financial & Operational Health Check

Immediate insight into your financial strengths and blind spots - plus a review of core operational processes, risks and efficiencies

Bespoke Action Plan & KPI/Opex Dashboard

We tailor your action plan with clear financial and operational KPI's, and set up real-time dashboards, ensuring you always know where you stand

On-Demand Expert Partnership

Enjoy flexible, ongoing access to a fractional FD and operations improvement expert, remote or on-site, focused on delivering measurable results

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Impact Stats

Results that Speak for Themselves - Finance and Operations Improved

Cost Savings

Up to £250,000 + Cost Savings generated for UK SMEs

Why Choose Lock and Ledger?

$KPI dashboard and performance metrics created by fractional FD$

Ready to unlock your business financial and operational potential with expert, flexible FD support?

Book a Free Discovery Call

Case Studies

Review an example of completed project and the impact

Fractional Finance Director advising SME energy business on growth strategy

5-Year Growth Strategy in Energy/Construction

The Challenge: Lack of strategic direction

The Solution: Gained ISO Certifications 9001,14001 &45001, created KPI's, implemented CRMs & designed budgets and forecasts

The Result: Clearly defined roadmap, improved customer satisfaction and visibility over financial performance.

SME services business optimising cash collection and debtor days

Margin Visibility in Manufacturing

The Challenge: No Visibility over product profitability

The Solution: Overhauled Sage 200 and rebuilt reporting structure including redesign of nominal codes for better margin tracking.

The Result: Consolidated product lines, lead times reduced, improved communication

etail sector SME discussing £5m capital expansion budgeting

Expansion Budgeting in Retail

The Challenge: No budget or controls in place for project already started.

The Solution: Create full project budgeting framework, including better procurement processes and quoting

The Result: Leadership gained full visibility and overspend was brought under control

Common Questions

Is a fractional FD a consultant?

They are a consultant in the sense of being external, but the role is more operational and integrated. At Lock & Ledger we act as part of your leadership team, not just advisors.

Can a Fractional FD work remotely

Yes – most fractional CFOs work remotely with occasional on-site visits. At Lock & Ledger, we blend remote efficiency with in-person support across Somerset, South West and South Wales.

Is a bookkeeper better than a fractional FD?

They serve different roles. A bookkeeper records transactions. A fractional CFO/FD interprets the numbers, drives profit, and shapes strategy. Many SMEs use both, with Lock & Ledger guiding the bigger picture.