Fractional Finance Services

Flexible, Senior Finance Leadership Without the Permanent Hire

Not every business needs a full-time CFO or Finance Director, but every ambitious business needs access to senior finance expertise. The Lumen Collective provides fractional finance professionals who work alongside your team on a subscription basis, giving you consistent, hands-on support that scales with your business.

Our fractional finance leaders operate as part-time members of your team, not as external advisers producing reports from a distance. Whether you need a Finance Director to run day-to-day operations, a CFO to lead board-level strategy, a Treasurer to manage cash and risk, or a Group Financial Controller to consolidate and control across multiple entities, we match the right level of seniority to your needs.

Who This Is For

Fractional finance is designed for UK SMEs and scaling businesses that need experienced finance leadership but are not ready for, or do not need, a permanent senior hire. Typical situations include businesses preparing for fundraising or acquisition, companies growing rapidly without adequate finance infrastructure, organisations navigating complex compliance or reporting requirements, and owner-managed businesses looking for a strategic finance partner.

How It Works

We deliver fractional finance through three subscription tiers, each designed around a stage of business maturity. Plans can be combined or tailored to your specific requirements. All engagements are led by qualified professionals (ACA, CTA, FCT) with experience across practice, industry and financial services.

Foundation, up to £2,500/month Setup and stability for businesses building a solid financial base.

• Real-time financial visibility: management accounts, forecasts, budgets and key metrics kept up to date so you always know where you stand.

• Compliance without the headache: VAT returns, payroll taxes, Companies House filings and financial statements prepared to UK standards (FRS 102 or IFRS).

• Financial controls and processes: spending approval frameworks, fraud prevention checks and documented procedures so your finance function runs smoothly.

• Joined-up tax strategy: working alongside your tax advisers to make smart, timely decisions that optimise your tax position and avoid costly penalties.

Performance, up to £4,500/month Optimisation and insights for growing businesses ready to scale.

• Reporting and cash confidence: accurate, timely reporting and proactive cash flow management so you can invest in growth without surprises.

• Smarter payments and profit focus: streamlined receivables and payables, identification of true profit drivers and working capital optimisation.

• Funding readiness: strong banking relationships, cap table and share scheme management (including EMI) and R&D tax credit claims to boost funding and tax efficiency.

• Team development: oversight of finance staff and outsourced providers, mentoring, upskilling and building a results-focused finance culture.

Transformation, up to £6,200/month Strategic change and business redesign for enterprises undergoing significant milestones.

• Board and stakeholder clarity: clear, concise financial updates that keep your board, investors and lenders informed and confident.

• Strategic sounding board: your financial right hand, giving direct input on what is feasible, what is risky and how to align plans with financial reality.

• Investor-ready and deal-confident: leading conversations with investors, lenders and acquirers, translating your vision into numbers that resonate.

• Milestone support: guiding you through transformation, acquisition, exit or turnaround, working with your wider adviser team to protect your equity and control.

Why The Lumen Collective

The Lumen Collective is an ICAEW-regulated firm of Chartered Accountants, led by a founder who is also a Chartered Tax Adviser and Fellow of the Association of Corporate Treasurers. This breadth of qualification means your fractional finance leader can handle accounting, tax and treasury matters directly, reducing the need for multiple external advisers and keeping your costs down.

We operate an AI-native delivery model, using automation and technology to handle routine tasks efficiently. This means more of your subscription budget goes toward strategic thinking and problem-solving, not data entry and formatting.