Fractional CFO Plymouth
Strategic financial direction for your business, without the CFO salary.
Most growing Plymouth businesses reach a point where gut instinct is not enough — but a full-time CFO is not yet justified. The gap is where decisions get made badly or not at all. Fractional CFO support fills it: cash flow forecasting, growth planning and financial modelling. Fixed monthly fee, ICAEW chartered, same-day replies.
- Cash flow forecasting so you know what is coming before it arrives
- Growth decisions backed by numbers, not instinct
- Financial modelling without a full-time finance director on the payroll
- A named ICAEW chartered accountant who responds the same day you ask
No long-term contract. If it is not working after three months, you leave with cleaner books and a clearer financial picture than you started with — and nothing owed.
Get a free quote
Fixed pricing. Same-day reply.
What our clients say
★★★★★
Professional, Caring and Always Reachable
“He was always one click away from every possible question we could throw at him.”
★★★★★
Switched Accountants, Already Saving Money
“They’re already saving me money. Would recommend. Nic Paton, Cormorant Media”
★★★★★
Price Quoted Clearly Inside Five Minutes
“Kieran explained everything in the best possible way, told me the price they’d charge after 5 minutes of speaking.”
★★★★★
Fast, Reliable Work at Short Notice
“Great work by Kieran sorting out my business accounts really fast and at short notice on multiple occasions.”
Sound familiar?
Growing the business without anyone watching the numbers?
Once turnover passes a certain point, the spreadsheet-and-instinct approach starts costing more than it saves. Cash flow gets tight in ways you did not see coming, growth decisions get made without a clear picture of the numbers, and the tax position only becomes visible when it is already urgent. None of it is unusual. It is just what happens when a business outgrows its financial infrastructure before it can afford to replace it.
- Cash flow tightens without warning — no forecasting in place to catch it
- Growth decisions made without financial modelling to support them
- No clear tax position until the bill is imminent and planning options have gone
What having a fractional CFO in your corner looks like
Cash flow mapped out months ahead, so tightness is visible before it becomes a problem. Growth decisions tested against the numbers before you commit. Tax position tracked throughout the year, not revealed at the end of it.
- Rolling cash flow forecast updated regularly — no more unwelcome surprises
- Financial modelling on growth decisions before you commit capital
- Tax position visible throughout the year, with time to plan around it
- A fixed monthly cost — predictable, agreed upfront, no hourly billing
What Plymouth business owners say
We work with small limited companies and growing businesses across the UK. Two clients who came to us needing more financial direction than their books alone could provide.
Excellent, fast and reliable. Kieran has been very professional, caring, patient and efficient throughout the entire process of building our company. He was always one click away from every possible question we could throw at him.
Having only recently switched my business to Swift from another accountant, I have found them efficient, friendly and professional, and they’re already saving me money. Would recommend. Nic Paton, Cormorant Media
What fractional CFO support covers
Three areas where a fractional CFO makes a measurable difference to a growing business — without the overhead of a full-time finance director.
Cash Flow Forecasting
A rolling cash flow forecast means you know what is coming three, six and twelve months out — not just what happened last month. Seasonal dips, large outgoings and growth investment are all visible in advance. You make decisions with that information, not without it.
Updated monthlyGrowth Planning and Financial Modelling
Before you take on a new hire, a new product line or a significant capital outlay, the numbers are modelled first. You see the impact on cash, margins and tax position before committing. Which is, frankly, the way those decisions should be made.
On demand as neededManagement Accounts and Tax Visibility
Quarterly management accounts give you a clear picture of where the business stands financially throughout the year. Your tax liability becomes visible well before it is due — long enough to plan around it, not just react to it.
Quarterly, fixed feePlymouth businesses already working with Swift
Sole traders, limited companies and growing businesses across Devon and the UK. Usually arriving needing more financial clarity than they currently have. Leaving with considerably more.
Clear Financial Advice Explained Without the Jargon
“Swift accounting and bookkeeping services have helped support my educational animal encounter business with excellent financial advice and HMRC support. Kieran was clear with information and explained everything in a way that I could understand.”
Two Years In, Still Highly Recommending
“I’ve been using Swift Accounting for two years now after my previous accountant retired and recommended Kieran. Excellent and prompt service, great communications and above all really helpful. Highly recommend.”
Knowledgeable, Efficient and Worth Coming Back To
“Kieran was really helpful and very knowledgeable with my circumstance, he gave me great advice and was very efficient with getting my tax’s submitted, really glad I found Swift and will definitely be using for future accounting.”
Why Plymouth businesses choose Swift for CFO support
Fractional CFO services are not uncommon. Here is what is different about working with a practice where you speak to the same ICAEW chartered accountant every time.
Numbers that are actually current
A fractional CFO is only useful if the underlying data is reliable. Monthly bookkeeping is kept current, so cash flow forecasts and management accounts are built on accurate numbers — not figures that are three months behind. The advice is only as good as the information it is based on.
Replies the same day you ask
Questions get answered the day you ask them. Not passed to a junior, not logged for the weekly call — answered. If you are weighing up a financial decision and need a steer, you will have one before the end of the working day.
One fixed monthly fee
Your monthly cost is agreed at the start and does not move. No hourly billing, no invoice that arrives larger than you were expecting, no charge for picking up the phone. Your CFO support costs are as predictable as any other fixed overhead.
Up and running in four steps
From first enquiry to having a fractional CFO in place typically takes less than a week. No complicated onboarding, no lengthy paperwork.
Send your enquiry
Fill in the form on this page. Kieran reads every enquiry personally and responds the same day with a clear next step. No automated acknowledgements, no holding queue.
A short discovery call
Twenty to thirty minutes to understand your business, your current financial picture and what you are trying to achieve. By the end of the call you will know what is covered, what it costs and whether it is the right fit.
We handle the setup
Accounts are connected, records are reviewed and a baseline is established. You do not need to do the heavy lifting — just confirm you want to proceed and it is handled from there.
Ongoing — nothing falls through
From here, your cash flow is mapped ahead, your management accounts are produced on schedule and your tax position is visible throughout the year. Growth decisions get tested against real numbers before you commit. Surprises are largely avoidable when the books are current and the forecasting is in place.
“Kieran offered advice and in a manner I could understand — very helpful.”
Questions Plymouth business owners usually ask first
Stop making growth decisions without the numbers. Get the picture.
Fixed monthly fee. Cash flow forecasting, management accounts and tax visibility throughout the year — without a full-time CFO on the payroll. Same-day replies. No lock-in.