Expert Financial Advice And Support
Financial clarity is essential for running a successful business, whatever its size. However finance and accounting are specialist areas so it’s important to ensure your business has the right level of expertise. This is where Secantor’s Independent FD (Finance Director) comes in to bring a combination of financial and commercial acumen to your senior leadership team. Often referred to as Part-Time FDs, Fractional FDs, Outsourced FDs, Freelance FDs or Part-Time CFOs, our team of experts will give you confidence that you have every angle of your finances covered enabling you to focus more time on other areas. If you’re looking for cover for the absence of your permanent FD, or to carry out a specific financial project then please visit our Interim FD page.
Financial Power Source On The Inside
Every business has an accountant to produce their annual statutory accounts. But it’s what happens in between times that really matters to your business. Whilst your accountant probably works externally to your business, a Secantor Independent FD gets to know you and your business from the inside. By becoming part of your management team we understand the everyday commercial, operational and people aspects of your business meaning that we can provide bespoke financial reporting and advice to help you make business decisions.
Why Use An Independent FD?
Whilst it is essential that your business has someone with strategic financial expertise within the team, the cost of employing a high-calibre FD on a full-time basis is very high for small to medium-sized businesses. But the good news is you only need this specific skill at key points within the month so employing an Independent FD is the ideal solution. You only pay for what you need, which might be as little as a day per month but you have the flexibility of being able to call on your FD at any point for help and advice. And because we have a wide range of experiences working in many industries with lots of other businesses, you benefit from a broader perspective and the sharing of best practice from elsewhere.
“Secantor provided the senior business & financial support my fellow director & I needed at a very critical time for our company. I cannot recommend the incredible service we received highly enough”
CEO Of A £30m Turnover Recruitment Company
What Does An Independent FD Do?
A Secantor FD will take care of every aspect of finance in your business from the ground up. They’ll ensure your internal finance function provides you with everything you need to grow your business profitably and at the same time will take responsibility for financial strategy so your business can meet your plans. We provide a full range of financial services that can be adapted to suit the needs of your business including:
Effective Finance Function
Creating an effective in-house finance function and develop your team to support the financial needs of the business.
Financial Expertese
Providing technical financial support & oversight to you and your team.
Cashflow Forecasting
Producing cashflow forecasting models and keeping a focus on future cash and help you manage working capital.
Credit Control
Helping you and your team to manage customer and supplier debt positions.
Cost Control
Reporting on expenditure and identifying / actioning cost control plans.
Recruitment
Identifying suitable finance roles and helping you recruit the right people
Financial Governance
Providing best-practice financial governance for your business to give you peace of mind.
Obtaining Funding
Helping you to identify funding requirements, source suitable products/providers and produce a financial forecast model to support your funding application.
Financial Forecasting
Producing 3-5 year financial forecast models to show how your finances would look under various scenarios. These models include Profit & Loss, Balance Sheet and Cashflow predictions to show you the financial health of your business.
Profit Improvement
Undertaking profit margin analysis to reveal where profit is made or lost. We will analyse profit across a variety of variables depending upon what is meaningful for your business including profit by customer, region, product / service, sales person, and help you take action to improve your return.
Business Turnaround
Turning around struggling businesses
Leading Specific Finance-Related Projects
Taking responsibility for strategic projects including preparing a business for merger, acquisition or sale; migrating to new accounting software; or carrying out complex financial investigations or problem solving.
Act As Interim FD
Providing full-time, or near full-time cover whilst your own FD is out of the business for a prolonged period (e.g. maternity or sickness), or while you are recruiting a new full-time FD.
Financial Reporting and Interpretation
We report your monthly figures against the financial forecast model so you can see if you are on track with your plans or not. We will interpret the results for you and help you make management decisions in light of them. By discussing your management accounts we can help you to identify and understand the business reasons behind the figures and take corrective actions where necessary. This is the benefit of having us on the inside; part of your management team.
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Managing Your Finances
As experts in managing business finances, we are perfectly equipped to develop & oversee your finance team, and implement systems and processes to provide consistent and secure control. We can take care of all your financial reports & KPIs, interpret results and prepare management accounts, while providing support and advice so you can make informed decisions. Our experienced FD will produce a cashflow forecast to give you peace of mind that you’re not going to get any nasty surprises around the corner.
Those businesses looking to expand can also rely on our professional Finance Directors to help source appropriate funding, and prepare and present clear financial justifications to your bank to make it easier for them to lend to you.
Planning Ahead
Our professional Finance Directors can look at each area of your income and expenditure, assisting to find ways to control costs, keep within budget and boost your bottom line. However, it's also our job to look to the future, to make sure that profits, cash and balance sheet value are healthy going forward. We can achieve this by helping with setting budgets, cashflow forecasting and management, as well as creating expert financial plans for the next 3-5 years to show the profit and cash consequences of your business plan. Those businesses looking to expand can also rely on our professional Finance Directors to help source appropriate funding, and prepare and present clear financial justifications to your bank to make it easier for them to lend to you.
Those businesses looking to expand can also rely on our professional Finance Directors to help source appropriate funding, and prepare and present clear financial justifications to your bank to make it easier for them to lend to you.
Free Business Review
No two businesses are the same. This is why we offer a free business review. We can arrange an initial chat with one of our experts to get things started. Then a couple of our team members will visit you to listen to the story of your business. From this meeting, we’ll be able to provide you with some interesting insights into your business from our independent experience. This will allow you to see how we work and help us to select the right expert for your business. Contact us to book a free consultation.
Why not read one of our short case studies to learn about Secantor's impact.
“We will never forget your huge contribution to Montezuma’s and your constant support, encouragement and all the board room laughs. Thank you for everything!” - Helen Pattinson, MD & Co-founder of Montezuma’s Chocolates
How Do I Recruit an Independent FD?
Organising Independent FD services with Secantor is easy - simply get in touch and we'll manage the rest. As well as providing expert financial services, we can improve your business with part-time Management Accountant, Non-Executive Director and Operations Director services too, so why not take a look at the other pages of our website to see how we can help you in more ways than one?
What Our Customers Have To Say
Over the years we have helped hundreds of businesses take control of their finances. By working closely with owners and directors we become an integral part of the management team and as a result have long-standing relationships with our customers, many of whom have relied on our expert knowledge, advice and guidance for many years. Why not review some of our case studies or listen to what our customers have to say.
Frequently Asked Questions: Independent Finance Directors
An Independent Finance Director (FD) provides your business with senior financial leadership on a flexible basis — giving you access to expert support without the cost of a full-time hire. They work alongside your leadership team to manage your finances, support strategic decisions, improve cash flow, and drive growth.
Independent FDs offer all the skills and strategic input of a full-time FD but work with your business on a part-time basis — typically a few days per month. You get the benefit of experienced financial oversight, planning, and reporting without the overhead of a permanent hire.
Many SMEs reach a stage where financial decisions become more complex — but aren’t yet ready for a full-time FD. An Independent FD gives you the expertise to make informed decisions, plan ahead, secure funding, improve profitability, and avoid surprises. It's a cost-effective way to build a stronger, more resilient business. To dive deeper, why not read our blog Why every SME business should have a Finance Director
Typical responsibilities include: producing and interpreting management accounts, building financial forecasts, managing cash flow, budgeting, advising on funding, supporting board meetings, training your finance team, and helping you make financially sound business decisions.
Yes. At Secantor, many of our FDs also act as Non-Executive Directors (NEDs). Our FDs are commercially experienced, strategically minded, and have strong corporate governance expertise — making them well placed to contribute at board level.
Yes — an FD plays a crucial role in preparing forecasts, engaging with investors or banks, presenting financial strategy, and structuring funding rounds. They bring credibility and clarity to the process.
The cost depends on the scope and frequency of support your business needs, but prices typically start at £1,200 +VAT per month. At Secantor, we tailor every engagement. Our FDs typically work with clients from 1 to 6 days per month. Contact us for a no-obligation discussion to get a proposal aligned to your business needs and budget.
Yes — because their roles are different. An accountant works outside your business, focusing on compliance, tax, and reporting. An Independent FD works inside your business to provide strategic financial leadership. The two roles complement each other. Your FD will often manage the relationship with your external accountant and ensure their advice is implemented effectively.
We typically work with UK SMEs with £3m–£50m turnover and 30–250 employees — but we also support ambitious smaller businesses preparing for growth or investment and we serve larger businesses too. If you’re experiencing growing complexity in your finances or strategic decisions , an Independent FD can help bring clarity and control.
We can often place a vetted, accredited FD in your business within a matter of days. Every Secantor FD is carefully selected and personally accredited to ensure they not only have the right technical expertise, but also the commercial experience and interpersonal skills to fit seamlessly into your team.
Unlike many providers, we don’t just offer FDs or NEDs — we deliver the complete boardroom package. Our Finance Directors are also capable Non-Executive Directors, and every member of our team is personally accredited by Secantor. We don’t follow a rigid model — we match the right expert to your business and they tailor their approach to suit your needs.
The easiest way is to book a call with one of our experienced advisors. We’ll learn more about your business, explain how we work, and scope your requirements. Following a visit to meet you personally, we develop an in-depth understanding of your business needs allowing us to match you with a carefully selected FD based on your requirements, culture, and priorities. No obligation — just a conversation to see if we’re a good fit for you.
Not quite found the answer you need? Contact our team – we’ll get back to you personally.
Interested in how senior support could help in other areas too? Learn more about our Non-Executive Directors and Outsourced Operations Directors.
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Ways Secantor Will Help You
Develop & Implement A Successful Plan
Optimise Your Finances
Develop A Strong Accountable Team
Build Value In Your Business
Improve Operational Efficiency
Exit Your Business Successfully
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Achieving the Dream Business Exit
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The Value of an Interim Finance Director
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Resolving Boardroom Conflict
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What Does It Take to Build a Successful SME?
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“Secantor has made a world of difference - we are now in control. It's a very cost effective way for us to have high level management and strategic help”
Helen Pattinson - Co-Founder, Montezumas Chocolates
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Our Services
We help you make strategic decisions
Secantor provides expert financial and management support to SME owners and directors. Our commercially experienced team covers the following roles.
Non-Executive Director
Strategic support and experience to guide you as you make decisions and build value in your business. A NED acts as a sounding board for your ideas, improves business performance, holds you and your team to account and helps you achieve a successful exit.
✓ Strategic business planning
✓ Support strategic decision-making
✓ Set business goals and objectives
✓ Rejuvenate struggling businesses
✓ Manage growth effectively
✓ Implement best practice
✓ Sounding board for your ideas
✓ Set and communicate vision
✓ Hold you & your team to account
✓ Build an effective management team
Finance Director
Expert financial leadership from a commercially experienced, qualified accountant. An FD will create financial plans, report your monthly performance against budget and interpret the figures to help you make sound decisions & improve profitability.
✓ Expert financial advice
✓ Interpret financial results a support decisions
✓ Develop & oversee your finance team
✓ Improve profitability & control costs
✓ Prepare management accounts
✓ Create 3-5 year financial plan
✓ Budget setting
✓ Source appropriate funding
✓ Cashflow forecasting & management
✓ Prepare reports & commentaries for your bank
Operations Director
Strategic operational leadership to transform your people and business processes to improve efficiency and profitability. An Operations Director helps you build a strong management team, delegate operational actions and improve business performance.
✓ Develop strength in your management team
✓ Establish key performance indicators (KPIs)
✓ Hold people accountable to achieve results
✓ Process and quality improvement
✓ Help you delegate effectively
✓ Create clear job descriptions
✓ Identify and recruit talent
✓ Implement robust operational systems
✓ Establish clear goals and expectations
✓ Enable your team to achieve excellence

