Fractional CFO insights, benchmarks & product notes
Practical guidance for UK SMEs and fractional CFOs. New articles most weeks.
VAT, PAYE and Corporation Tax: Modelling HMRC Payments in Your Cash Forecast
How UK tax payment timing hits SME cash — VAT quarter dates and schemes, monthly PAYE and NIC, corporation tax and instalments — and how to model each one weekly.
The Finance KPIs UK SMEs Should Actually Track (2026)
The eight to twelve metrics that change board decisions, by sector, with definitions, target ranges and the reporting mistakes that make dashboards useless.
Driver-Based Budgeting and Rolling Forecasts for UK SMEs
Replace the annual budget ritual with driver-based planning and a rolling 12-month forecast — without losing accountability against a fixed target.
Scenario Planning and Stress Testing for UK SMEs
Build base, downside and severe cases a board and a lender will accept — driver selection, 2026 stress ranges, covenant headroom and pre-agreed trigger points.
The Cash Conversion Cycle Explained for UK SMEs
Debtor days, inventory days and creditor days — how to calculate the cycle, what each lever is worth in cash, and why growth consumes it faster than profit replaces it.
How to Cut Debtor Days: A Credit Control Playbook for UK SMEs
How to calculate debtor days, set terms that get paid, run a weekly collections cadence and use UK statutory late payment interest.
Multi-Entity Consolidation Under FRS 102 and IFRS 10: A Practical Guide
Control assessment, intercompany eliminations, FX translation, non-controlling interests and the audit trail your auditor will ask for.
What Goes in a Board Pack? A Template for UK SMEs
A section-by-section board pack template: executive summary, P&L, balance sheet, cash, KPIs, headcount and the commentary that makes it useful.
How Much Does a Fractional CFO Cost in the UK? (2026 Pricing Guide)
UK day rates, monthly retainers and project fees in 2026 — what drives price, how it compares to a full-time hire, and how to judge the return.
The UK Month-End Close Checklist: Closing in Five Working Days
A 17-step close checklist for UK finance teams — cut-off, reconciliations, accruals, VAT control and the sequencing that gets you to a five-day close.
13-Week Cash Flow Forecast: A Practical Guide for UK SMEs
The weekly line items, UK VAT and PAYE timing, variance review and the mistakes that break a direct-method 13-week cash model.
The Best Software for Fractional CFOs in 2026: A Modern Comparison
How MouCFO compares to legacy fractional-CFO tools on multi-entity consolidation, scenario modelling and security — and why modern finance teams are switching.
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