The finance rigor of Big 4 accounting firms, built for a business your size.
Ruddham gives UK SMEs senior, ICAEW Chartered Accountant finance leadership on a fractional basis. Replace lagging spreadsheets with day-5 board packs and 13-week rolling cash flow forecasts.
Financial Health & Operational Visibility
Reviewed pack with board commentary
13-week cash & 12-month P&L updated
By Product, Customer & Channel
“Decision-ready financial packs delivered by day 5. Live 13-week rolling forecasts shaping the next quarter.”
Most SME finance functions report the past. Yours should shape the next quarter.
The difference between a compliant set of accounts and a finance function that earns its keep, line by line.
| Line Item | Typical SME Finance Function | With Ruddham Consulting | Variance |
|---|---|---|---|
| Month-end close | Management accounts land three to four weeks after period end | Reviewed pack by working day five, with commentary | −15 days |
| Forecasting | An annual budget, set once and rarely revisited | Rolling 13-week cash and 12-month P&L forecast, updated monthly | +12 mths |
| Margin visibility | One blended gross margin for the whole business | Margin by product, customer and channel | 3 lenses |
| Decision support | Numbers pulled together after the decision is made | Scenario modelling before you commit | Ahead |
| Board & lender readiness | A scramble each time a bank or investor asks | A pack that stands up to diligence on any given week | Always on |
| Seniority in the room | A bookkeeper, and a call to the accountant at year end | An ICAEW Chartered Accountant, Big 4 accounting firms-trained finance lead on your leadership calls | FD level |
Senior finance experience, without a senior finance salary.
Ruddham was founded by former Big 4 accounting firms senior leaders who observed a persistent gap: high-growth SMEs generating revenue need institutional-grade financial modelling, bank covenant strategy, and board packs, but cannot justify full-time CFO salary.
We embed directly into your executive team, attending board meetings, guiding strategy, and keeping your cash runway crystal clear.
Read our founding storyFractional Model Flowchart
Big 4 Accounting Firm Governance at ~25% of Full-Time CFO Cost
ICAEW Chartered Accountant Firm
Regulated by ICAEW ensuring technical accounting, compliance, and ethical oversight.
Big 4 Accounting Firms
Founders from Deloitte, EY, Reckitt and Coca-Cola delivering institutional precision.
35+ cumulative experience in Big 4 accounting firms and FTSE 100
Bringing enterprise capital allocation, audit readiness, and board governance to SMEs.
SME
Hands-on execution tailored specifically for high-growth businesses turning £3m–£50m.
Our Services
Tailored engagements spanning strategic board oversight, month-end compression, and M&A transaction preparation.
Tailored for UK Scale-Up Sectors
Every industry faces distinct cash conversion cycles and unit-economic realities. We bring sector-specific finance models ready to deploy.
How We Embed With Your Team
A disciplined, 4-stage roadmap that restores financial control and builds predictive confidence.
Understand the business
We audit your historical margins, working capital cycles, and reporting lags before touching a single ledger.
Fix the fundamentals
Compress month-end close to 5 working days, automate bank reconciliations, and establish clean chart-of-accounts.
Design finance around decisions
Deploy 13-week rolling cash forecasts, scenario models, and board packs tailored for strategic decision making.
Keep it proportionate
Right-sized senior FD leadership deployed precisely when needed — no fluff, no corporate overhead.
Trusted by SME Founders Across the UK
Hear how fractional Big 4 accounting firms finance leadership has transformed month-end speed, investor relations, and commercial decision-making.
“They understand that a small startup doesn't have the budget or the headcount of a Fortune 500 company. Their advice is scalable, realistic and most importantly executable.”
“Mohit and his team at Ruddham quickly understood our business and brought structure to complex areas, from reconciliations and VAT to financial advisory and system integration. They are proactive, dependable, and go beyond expectations — a genuine finance partner we can rely on.”
“For Voltline, Ruddham Consulting has proven to be a reliable, professional, and responsive partner, able to efficiently address all needs related to financial reporting as well as engagements with the regulator. They are very committed and responsive. Looking forward to continuous partnership.”
“Ruddham Consulting managed my personal accounts. Working with Ruddham has been a very positive experience. What stood out most was the responsiveness — whether it was Rahul himself or the wider team, there was always a quick understanding.”
“Before working with Mohit and his team at Ruddham Consulting, crypto accounting was a real challenge for us. Reconciling transactions and integrating them into Xero was complex and time-consuming. Mohit and his team took full ownership and ensured everything now runs seamlessly.”
“Mohit was incredibly helpful during our consultation. He listened attentively and remained patient throughout the entire session. With his guidance, I was able to complete and successfully submit my application. Highly recommend his support!”
“They understand that a small startup doesn't have the budget or the headcount of a Fortune 500 company. Their advice is scalable, realistic and most importantly executable.”
“Mohit and his team at Ruddham quickly understood our business and brought structure to complex areas, from reconciliations and VAT to financial advisory and system integration. They are proactive, dependable, and go beyond expectations — a genuine finance partner we can rely on.”
“For Voltline, Ruddham Consulting has proven to be a reliable, professional, and responsive partner, able to efficiently address all needs related to financial reporting as well as engagements with the regulator. They are very committed and responsive. Looking forward to continuous partnership.”
“Ruddham Consulting managed my personal accounts. Working with Ruddham has been a very positive experience. What stood out most was the responsiveness — whether it was Rahul himself or the wider team, there was always a quick understanding.”
“Before working with Mohit and his team at Ruddham Consulting, crypto accounting was a real challenge for us. Reconciling transactions and integrating them into Xero was complex and time-consuming. Mohit and his team took full ownership and ensured everything now runs seamlessly.”
“Mohit was incredibly helpful during our consultation. He listened attentively and remained patient throughout the entire session. With his guidance, I was able to complete and successfully submit my application. Highly recommend his support!”
Frequently Asked Questions
Everything founders typically ask before their first consultation.
A fractional CFO provides senior, strategic financial leadership — board reporting, cash strategy, fundraising support, and commercial decision-making — on a part-time basis. This is different from an accountant or bookkeeper, who typically focuses on historical transaction recording, compliance, and tax filing rather than forward-looking strategy and board-level counsel.
Ready for senior finance leadership on your terms?
Book a confidential 30-minute consultation with a Ruddham partner to benchmark your month-end speed, cash runway, and board packs.