Fractional CFO Leadership

Experienced CFO leadership for scaling UK service businesses. Strengthening margins, improving cash flow, and building financially resilient businesses.

We provide a full-service finance function, from strategic CFO oversight to operational finance delivery, giving founders and leadership teams the clarity and control to scale.

Apply for a Financial Health Check

A CFO-led financial diagnostic assessing profitability, cash flow, financial structure, and growth readiness, with clear, practical recommendations.

Financial clarity drives profitable growth.

Our UK Fractional CFOs work alongside founders and leadership teams to strengthen  financial visibility, improve forecasting, and bring structure to decision-making so cash flow, margins, and growth are managed with discipline.

Our Services

Fractional CFO

Board-level financial leadership to strengthen margins, control cash flow, and drive disciplined, scalable growth.

Adam Cooper, founder and fractional CFO, meeting business CEO to discuss financial performance and growth plans

Structured Finance Function

An integrated finance function delivering accurate reporting, strong cash visibility, and structured financial control to support CFO-led decision-making.

Fractional CFO team meeting to review agency finances, business growth plans, and financial strategy

Financial Health Check

A CFO-led diagnostic exposing cash pressure, profitability gaps, and structural risks limiting growth.

Business founder examining financial report on laptop, reviewing agency performance and growth strategy

Proven Financial Impact

We enable scaling £2m–£20m UK service businesses to strengthen cash reserves and move from negative EBITDA to sustained profitability, delivering measurable financial improvement through disciplined CFO leadership.

Outcome #1
£143k / month

 growth

Increased billings

"The new finance sheet that you built is proving to be a 'big unlock' for us!"
Outcome #2
£34k p.a.

interest earned

Cash investment strategy

“The value you guys have added in the last six months has been a game changer."
Outcome #3
24%

profit margin

Improved EBITDA by 9%

"It's been the highest quarter we ever had."
Who we help

CFO Leadership for Scaling Service Businesses

Scaling service businesses face margin pressure, cash volatility, and increasing operational complexity.

Revenue may be rising, yet EBITDA, working capital, and cost discipline often lack structure.

We deliver Chief Financial Officer oversight that strengthens forecasting, sharpens margin control, and embeds financial discipline.

ACC Finance Solutions logo in black and white, representing the company’s brand identity and professional financial services

Scaling Agency

UK founder-led agencies and consultancies between £2m and £10m turnover experiencing rapid revenue growth, but with financial management failing to keep pace. Margins fluctuate, cash flow tightens, and profitability lacks consistency. They need structured forecasting, stronger margin control, and CFO-level oversight.

Man giving a boardroom presentation while colleagues watch attentively, discussing strategy, finance, and business decisions in a professional setting

Plateaued Growth Business

Established service firms between £5m and £15m with steady revenue but underperforming profitability. Margins are compressed, pricing and utilisation are misaligned, and profit performance is falling short of industry benchmarks. They require margin restructuring, pricing recalibration, and stronger financial accountability within the leadership team.

Business founder under financial strain reviewing cash flow, managing pressure, and making critical decisions to stabilise and scale the business

Financial Inflection Point

Service businesses approaching a key financial milestone, such as fundraising, investment, or exit. Financial information lacks the structure and credibility required to withstand external scrutiny. Forecasts are insufficiently robust, and financial narratives are not clearly defined. They require investment-grade financial modelling, stronger reporting discipline, and CFO-level support to navigate the process.

Business leaders reviewing financial data at an inflection stage, planning growth, investment, and strategic decisions for scaling operations

Founder Under Financial Strain

Founder-led service businesses between £2m and £5m experiencing increasing financial pressure, where cash flow is constrained and financial visibility is limited. Decision-making becomes reactive, and confidence in the numbers is low. They require immediate financial clarity, stabilisation of cash flow, and structured CFO support to regain control and direction.

Group of men in the foreground at a networking event, with men and women in the background, engaging in professional connections and business discussions
Who we help

Integrated CFO
Leadership

We are a UK-based team of experienced Chief Financial Officers, led by Adam Cooper, with backgrounds in large agency and professional service businesses. We bring board-level commercial judgement, sector insight, and hands-on operational expertise.

Alongside our CFOs is a dedicated finance team of experienced accountants delivering a structured finance function that ensure financial visibility, control, and decision-ready reporting.  Clients benefit from the structure and capability of a well-run internal finance department, without the fixed overhead.

Strategic leadership and rigorous financial execution operate as one integrated model.

ACC Finance fractional CFO team seated on London rooftop garden, discussing financial strategy and agency growth plans

CFO-led Financial Health Check

A structured, Chief Financial Officer assessment of profitability, cash flow, balance sheet strength, and financial controls.

Scope of Review:

An independent CFO-led diagnostic review of benchmarking, working capital, financial controls, and reporting quality.

Commercial Outcomes:

Benchmark performance, identify margin gaps, and provide prioritised actions to improve EBITDA and cash flow.

Best Suited To:

Leadership teams of scaling service businesses seeking independent clarity on profitability, financial controls, and balance sheet strength.

Proven Results. Trusted Partnerships.

Our clients engage us to address margin pressure, cash volatility, and structural inefficiencies. Their feedback reflects both measurable financial impact and the quality of our strategic partnership.

Olly Hudson

CEO & Founder, Soar Group

Strengthened decision making

ACC has brought a level of financial clarity and control that has materially improved how we understand and run the business. Their input has helped strengthen decision-making and given us greater confidence as we continue to scale.

Ben Wilcockson

CEO & Founder, Global TV Experts

Budgeting clarity

The level of financial insight ACC has brought has been a game changer for us. The clarity around budgeting and forward planning has materially improved how we approach the year ahead, and the value delivered over the last six months has been significant.

Roger Price

Managing Director, The Turner Agency

Quality management information

ACC has been a major support to the team as we’ve evolved the business. They’ve significantly improved the consistency and quality of our management information and played a key role in helping us implement important changes, including revenue recognition.

Owner

£6m Property Management Company

Enormous value

You've really helped us at an important juncture for the business, which I really appreciate. I've definitely slept better at night knowing that you've been there and overseeing things. So, you've definitely added an enormous amount of value in this process.

Ben Wilcockson

CEO & Founder, Global TV Experts

Valuable insights

The level of detail that you have provided has been a bit of a game changer for me. Having that insight is really valuable. The budgeting templates for next year are amazing. That's just one example of a huge amount of value you guys have added in the last six months.

Founder

HR Consultancy

Cost management & reporting

Every time I think about our costs and think, "what can we reduce?", I really appreciate the advice we get from Marco and the reporting. Every time I look at it, I think: what would we do if we didn't have it.

The Fractional CFO Show 
with Adam Cooper

The Fractional CFO Show examines the financial and strategic challenges facing scaling service businesses, including profitability, cash flow, capital strategy, and commercial leadership.

Featuring insights from Chief Financial Officers, founders and industry experts, the podcast offers practical perspectives to support stronger financial decision-making and business performance.

Memberships | Affiliations

Insights on
Finance, Growth, and Leadership

At £2 - 5m revenue, turnover of senior staff is costly, and salary inflation constrains growth. This article explains how share options and EMI schemes help SMEs retain talent, protect cash flow, and support long-term value.
Many growing agencies increase revenue while margins decline because pricing remains anchored to cost. This article explains why strategic pricing drives profitability, cash stability, and enterprise value.
A fractional CFO transforms finance from retrospective reporting into real-time insight, improving forecasting, margin visibility, and decision-making. With stronger financial leadership, agencies gain the clarity needed to scale profitably and control cash.
Financial transformation is inevitable as agencies scale. With CFO-level oversight, agencies can upgrade systems and reporting while maintaining visibility over cash, margins, and performance.
Financial management for startups is about building clarity and control as complexity grows. This article outlines the foundations founders need to support confident decisions and sustainable growth.
Many profitable founder-led service businesses fail for one simple reason: they run out of cash. A well-built cash flow forecast ensures you stay ahead of risk, not reacting to it.

Apply For Your Financial Health Check

Gain independent clarity on profitability, cash flow, and financial controls before your next stage of growth.
Applications are reviewed to ensure a strong fit.