Lock & Ledger Ltd

About Us

At Lock & Ledger Ltd, we deliver fractional Finance Director (FD) services tailored for ambitious small and medium-sized businesses across the UK. Based in Somerset, we intimately understand the challenges and aspirations of growing SMEs, from scaling up to smoothing growing pains, or transforming finance from a compliance task into a strategic asset.

What Sets Us Apart
- Expert-Level Strategy Without the Full-Time Cost: Access strategic insight and precision from over 20 years experience without the expense of a full-time hire. Flexible support means you pay only for exactly what you need, keeping overheads lean while delivering real impact.
- Strategic Clarity Over Reactive Books: Escape the limitations of year-end accounting. We build financial strategies, forecasts, and dashboards that frame your business metrics, so you can act with clarity and confidence.
- Scalable Financial Leadership: Whether your turnover is £1m or accelerating toward £20m+, we grow with you by building systems and structures that support your phase of growth, whether fast or steady.
- Mastering Cash Flow & Working Capital: Poor liquidity shouldn’t stall your ambitions. We diagnose cash flow cycles, identify friction points, and unlock working capital so you stay focused on forward motion, not stop-gap fixes.
- Interim & Project-Based FD Leadership: Transitioning? Restructuring? Scaling? We step in with seamless, part-time FD leadership, cleaning up uncertainty, maintaining control, and delivering disciplined confidence through change.
- Finance Team Transformation & Systems Upgrade: From systems to upskilling, we future-proof your finance function, professionalising processes, introducing automation, and empowering in-house teams to perform for tomorrow, not yesterday.

Pain Points We Solve
- End Financial Blind Spots: Move from fragmented snapshot reporting into real-time, forward-looking insights that keep opportunities and threats on your radar.
- Flexible Expertise on Demand: Scale support up or down with ease, seasonal, project-based, or evolving needs without losing oversight or incurring unnecessary cost.
- Build Trust with Stakeholders: With polished governance, tightened controls, and clean reporting, you strengthen the confidence of investors, banks, and internal teams.
- Drive Intelligence-Led Decisions: We translate complex numbers into strategic direction for growth, risk management, investment decisions grounded in data, not guesswork.
- Upgrade Planning & Forecasting: Replace reactive confusion with proactive financial roadmaps so surprises stay small and opportunity stays large.
- Lower Risk Through Smarter Systems: We reduce exposure and operational stress by embedding resilience and agility into your financial architecture.