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Fractional CFO and non-executive director support beyond year-end accounts

Fractional CFO and non-executive director support gives founders an accountant in board discussions before a hire, raise or runway decision is made.

Year-end accounts explain what has already happened. The harder question is whether the next hire or investor promise still works after cash and tax are included.

Limited companyBoard decisions need testing
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Fiscal Umbrella provides fractional CFO and non-executive director support to technology limited companies across the UK from Luton. Fees are fixed in writing before work starts. Fasih Khan is ACCA qualified and obtained SEIS advance assurance before raising for his own software company.

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I was stuck with my R&D claim, but Fiscal Umbrella helped me navigate it smoothly. They're professional, efficient, and truly know their stuff.… Cartel Media
Fractional CFO and non executive director: example fundraise readiness Startup founders

The board decision your year-end accounts cannot answer yet

5.0 · ACCA qualifiedCheck if you fit
  • Fasih Khan ACCA
  • Fixed fees in writing
  • Luton office
  • UK-wide remote

What changes when advice reaches the board

01

Test the hire before payroll starts

See how a planned hire changes payroll, tax and the cash available for the next product milestone.

02

Prepare forecasts investors can question

Give investors a forecast tied to current management accounts and the commitments already approved.

03

Commit cash with the full cost included

Challenge the board’s assumptions before cash is committed to a supplier, hire or raise.

The decisions year-end accounts cannot settle in time

Board support matters when the decision must be made before the next accounts are prepared.

  • Hire

    “We hired from the sales forecast, then found payroll left less runway than the board expected.”

    The commitment was made before payroll, corporation tax and available cash were considered together.

  • Supplier

    “We agreed the supplier contract, then discovered the payment dates collided with payroll and corporation tax.”

    A workable contract became a cash problem because nobody tested the payment schedule first.

  • Raise

    “Our investor asked for a cash forecast, and the year-end accounts couldn’t explain what happens next.”

    The board had historical accounts when the conversation needed current cash, runway and approved commitments.

  • Day 90

    What changes once the advice is in the room

    The forecast shows when cash gets tight. The board can test a decision before approving it. Fasih stays involved in the agreed fractional CFO or non-executive director role.

Quick check · no email

If your accountant can’t forecast runway, test your next hire and answer the board this week, you have the wrong accountant

Answer these three questions about the accountant working with your company now.

Question 1 of 3

Could they tell you this week how long current cash lasts after planned hires?

Where year-end accounting stops and board support begins

Both matter because a clean year end and a sound next decision solve different problems.

A year-end accountant

Prepares statutory accounts after the period closes.

Calculates corporation tax from completed activity.

Files returns and keeps deadlines on track.

Explains the result once transactions are recorded.

Fractional CFO and NED support

Builds cash and runway forecasts before commitments are made.

Tests a hire, raise or supplier decision against available cash.

Challenges board assumptions and prepares for questions investors may ask.

Connects decisions to SEIS, R&D and patent box where relevant.

Eight checks before adding board-level support

These questions show whether the board has enough information to make its next commitment.

  • 01

    Is there a current cash forecast?

    It should reflect the bank, approved spending and expected receipts.

  • 02

    Does the forecast include tax due?

    Corporation tax, payroll and VAT should appear when cash is expected to leave.

  • 03

    Can the board test a planned hire?

    The decision should include salary, payroll costs and its effect on runway.

  • 04

    Are management accounts current enough to use?

    Old information cannot answer a decision that must be made this month.

  • 05

    Can investor questions be answered from the accounts?

    Reporting should connect performance, cash and the assumptions behind the forecast.

  • 06

    Has the board checked relevant tax reliefs?

    SEIS, EIS, R&D and patent box should be considered where the company qualifies.

  • 07

    Does someone challenge the forecast assumptions?

    Sales dates, hiring plans and supplier terms need testing before approval.

  • 08

    Is responsibility for each decision written down?

    The CFO and non-executive director roles should have agreed boundaries.

What board-level support covers before the decision

The scope follows the company’s decisions rather than a standard reporting pack.

Forecast

Management accounts built for decisions

Current trading, tax and cash commitments are brought together before the board approves more spending.

Decision

Fractional CFO support around commitments

Fasih tests the effect of hires, supplier terms, funding plans and product spending.

Board

Non-executive challenge in the boardroom

Plans and assumptions are questioned before they become payroll, contracts or promises to investors.

All Services →

Entry 01

Why Fasih understands the founder’s side of a raise

Fasih obtained SEIS advance assurance for his own software company before raising.

FigureSEIS advance assurancefor Fasih’s own software company
Found byFasih obtained the assurance before raising for his own company.
ResultThe company then attracted investors, and that experience now informs his work with founders.
AlsoFasih is ACCA qualified with an MSc in Finance. He serves client companies as a fractional CFO and non-executive director.
Found by
Result

What clients say

I was stuck with my R&D claim, but Fiscal Umbrella helped me navigate it smoothly. They're professional, efficient, and truly know their stuff. Highly recommended
Cartel Media · Google review · a year ago
Excellent service! The team is professional, responsive, and always helpful. My payments are always on time, and they make everything easy to understand. Highly recommend Fiscal Umbrella Accountants!
faisal jalal · Google review · a year ago
The team at Fiscal Umbrella has been amazing—professional, efficient, and always supportive. I trust them completely with my finances. Highly recommend!
Muskan Mattu · Google review · a year ago

How board support develops around real decisions

The work starts with the decision facing the board and the information needed to test it.

Before day one

The role is agreed in writing

The board decisions, access needed and fixed fee are set out before work starts.

Day 30

Cash and commitments are mapped

Management accounts and cash flow are brought together around the decisions already facing the board.

Day 60

The next commitment is tested

A planned hire, raise or supplier commitment is reviewed against runway, tax and available cash.

Day 90

Board reporting answers useful questions

The board receives information built around decisions, with Fasih involved in the agreed role.

When this support will not fit

The business is a sole trader, partnership or LLP rather than a limited company.

The startup expects Fiscal Umbrella to introduce investors.

The company cannot pay fees now and wants to defer them until trading improves.

The director only wants forms filed and chooses solely on price.

If the right level of support is uncertain, the set-up review will show whether an ongoing role is needed.

Questions founders ask before bringing Fasih into the boardroom

What does a fractional CFO and non-executive director monthly fee include?

The scope depends on the decisions the board needs help with. It can include management accounts, cash flow and runway forecasting, board preparation, and support around hires, raises and supplier commitments. The fixed fee and responsibilities are agreed in writing before work starts, so the company knows what Fasih will cover. Abdur Mohid, a partner with more than 14 years in FP&A and financial modelling, can support the budgeting, forecasting and investment appraisal side where a company needs it.

Can we use fractional CFO support if we already have an accountant?

Yes. Fractional CFO work can sit alongside an accountant who handles year-end accounts and filings. The roles need a clear boundary, with access to current bookkeeping and tax information. If the existing arrangement leaves gaps, Fiscal Umbrella can also discuss taking over the accounting after the set-up review.

Do we have to move accounting software for fractional CFO support?

Fiscal Umbrella supports Xero and QuickBooks, with A2X, Hubdoc and Dext where relevant. A move is only recommended when the current setup cannot produce dependable management accounts or cash forecasts. The review identifies what can stay, what needs correcting and what the team must provide each month.

What happens with our current accountant if we switch?

If you decide to switch, Fiscal Umbrella contacts the current accountant, requests the records and manages professional clearance. Current filings are checked so the handover does not leave a deadline unattended. The scope and fixed fee are agreed in writing before the work begins.

What is the difference between a fractional CFO and a non-executive director?

A fractional CFO works with management on cash, forecasts, reporting and the financial effect of decisions. A non-executive director sits at board level and challenges plans from outside day-to-day management. The exact role, responsibilities and boundaries must be agreed before work begins.

Is fractional CFO support useful for a startup raising under SEIS?

It can be, when the board needs help connecting runway, investor reporting and tax reliefs. Fasih obtained SEIS advance assurance for his own software company before raising, and the company then attracted investors. Fiscal Umbrella does not find or introduce investors.