How much does a fractional CFO cost in Surrey?

Our monthly CFO package is £1,100 a month and quarterly advisory reviews start at £195 per quarter. Across the market, fractional CFO retainers usually run between £2,000 and £8,000 a month depending on hours and seniority. A full-time finance director in Surrey costs upwards of £90,000 once employer national insurance, pension and recruitment fees are included.

How do stress-tested cash flow forecasts help during interest rate rises?

A standard forecast shows one version of the future. A stress-tested forecast shows several. We model what happens to your interest cover if rates move another 200 basis points, what a 30 day delay in debtor payments does to your headroom, and how much margin you can afford to lose before covenants come under pressure. Knowing this three months early is what gives you time to renegotiate, rather than react.

Do you work with my existing accountant and bookkeeper?

Yes, and often that is the cleanest arrangement. Your current accountant keeps doing compliance, your bookkeeper keeps doing the ledger, and we sit above both providing the strategic layer. We plug into Xero, QuickBooks and Sage directly. If you would rather consolidate everything with us, we can do that too.

How long does financial due diligence take?

For a typical SME acquisition, expect three to four weeks from receiving the data room. That covers the quality of earnings review, working capital normalisation, tax exposure checks and a written buyer briefing. Rushed timelines are possible but the risk of missing something goes up, and we will say so.

What do I need for a bank-ready funding pack?

Two to three years of filed accounts, your most recent management accounts, an up to date debtor and creditor listing, your current facility agreements, and a clear picture of what you want the money for. We build everything else, including the three-statement forecast and the written narrative lenders expect to see alongside it.

Do you work with property landlords?

Yes. A large part of the practice is Surrey landlords and portfolio owners dealing with incorporation decisions, section 24 interest restrictions, refinancing and structuring for the next purchase. The modelling work is similar to trading businesses, the tax questions are quite different.

Fractional CFO Services · Ashford, Surrey

Fractional CFO Services in Ashford, Surrey

Board-level financial thinking, without a six-figure finance director on the payroll.

Abel Accountants gives Surrey business owners something most accountants do not: a chartered advisor who looks forward, not backwards. We build the cash flow models, sit in on the difficult board conversations, and tell you what the numbers actually mean for the next twelve months. We are based in Ashford, TW15, a few minutes from Staines and the Heathrow corridor. When you call, a partner picks up.

See advisory packages and pricing Book a 30 minute strategy call

ICAEW regulated

Work handled by a partner, not a trainee

Fixed fees agreed up front

Based in Ashford, Surrey

Executive Advisory Console

Example figures for illustration only — not live client data

Illustrative Example

Operating Cash Flow

£1.42M

+18.4%

Working Capital Ratio

2.8x

Resilient

EBITDA Margin

24.6%

+3.2%

Working Capital Resilience

Optimum Band

Liquidity 65%Inventory 25%Receivables 10%

Scenario Stress-TestingQ3/Q4 Projections

Interest Rate Shock (+200bps)Covered (2.1x ICR)

30-Day Debtor DelayLiquid Reserve Maintained

Client Profile & Fit

Built for Surrey business owners who have outgrown basic compliance

You are probably here because your accountant files your accounts on time and does very little else. That is fine at £200k turnover. At £1m it starts to cost you money.

We work with:

£500k – £15m Turnover

Owner-managed SMEs across Ashford, Staines and Sunbury

Turning over roughly £500k to £15m, usually with a bookkeeper in place but nobody senior on the finance side.