FD Solutions & Accounting

FD Solutions & Accounting Cloud based accounting services and outsourced finance directors for growing businesses

27/06/2025

🏗️ Building in the South East? Your Margins Are Under Pressure – But They Don’t Have to Be

Construction firms across the South East are feeling the squeeze:

📈 Material prices are still unpredictable
👷 Labour shortages are driving up costs
🕒 Late payments and retention delays are tightening cash flow

If you’re running a successful building firm but your finances feel out of sync, it might be time for a Fractional Finance Director.

I work with construction businesses across the South East to:
✅ Get control of cash flow
✅ Price jobs based on real margins — not guesswork
✅ Stay compliant with CIS and VAT rules
✅ Build financial strategies that support growth — not just survival

📍 Whether you're in Kent, Sussex, Surrey or beyond — I bring FD-level insight without the cost of a full-time hire.

Let’s have a chat to identify practical ways to strengthen your business.

David,
Fractional Finance Director,
FD Solutions and Accounting.
📞 01732 843 351
📩 [email protected]

Exactly how can we help (Part 2)?A Fractional Finance Director (FD) can provide huge value to UK construction firms, esp...
22/06/2025

Exactly how can we help (Part 2)?

A Fractional Finance Director (FD) can provide huge value to UK construction firms, especially medium-sized ones that are scaling or managing complex projects. Here's a breakdown of 2 key areas where a fractional FD can help:

🛠️ Strategic Support
Growth planning – We undertake financial modelling to support expansion, new contracts, or geographic growth.
Funding & finance – We can provide support with preparing to access bank loans, asset finance, or investor readiness.
Exit planning – We have experience in helping owners prepare a business for sale or succession.

👷‍♂️ Industry-Specific Guidance: We keep you up-to-date and aware of responsibilities around.....
CIS (Construction Industry Scheme) compliance
VAT on construction projects (domestic reverse charge, etc.)
Subcontractor vs employee analysis
Payroll complexity (e.g. weekly payments, multiple sites)

Why Go Fractional?
You get access to senior financial expertise without the cost of a full-time FD, and with the flexibility to scale involvement up or down based on workload or business stage.

David,
Fractional Finance Director,
FD Solutions and Accounting.
📞 01732 843 351
Email: [email protected]

Exactly how can we help? (Part 1)A Fractional Finance Director (FD) can provide huge value to UK construction firms, esp...
20/06/2025

Exactly how can we help? (Part 1)

A Fractional Finance Director (FD) can provide huge value to UK construction firms, especially medium-sized ones that are scaling or managing complex projects. Here's a breakdown of 3 key areas where a fractional FD can help 👇

🔧 Project-Level Financial Control
Job costing & profitability analysis: Understand which projects make money and which drain cash.
WIP (Work in Progress) accounting: Accurately report and manage revenue on long-term contracts.
Project budgeting & forecasting: Plan for material, labour, and subcontractor costs to avoid overruns.

💷 Cash Flow & Working Capital
Cash flow forecasting: Predict and prepare for gaps, especially in lumpy payment cycles.
Retention management: Monitor and recover retention payments efficiently.
Supplier & subcontractor terms: Negotiate and manage terms to protect working capital.

📊 Financial Reporting & Clarity
Monthly management accounts: Timely reports that actually help you make decisions.
KPI dashboards: Track margins, overhead recovery, pipeline, and other key metrics.
Compliance & audit prep: Stay HMRC and CIS-compliant with minimal stress. That's a winning offer!

Why Go Fractional?
You get access to senior financial expertise without the cost of a full-time FD, and with the flexibility to scale involvement up or down based on workload or business stage.

David,
Fractional Finance Director,
FD Solutions and Accounting.
📞 01732 843 351
Email: [email protected]

🔧 Construction firms: Is your business growing faster than your finances can keep up?Running a successful construction c...
16/06/2025

🔧 Construction firms: Is your business growing faster than your finances can keep up?

Running a successful construction company in the UK today means managing tight margins, unpredictable cash flow, and complex project costs — all while staying compliant and competitive.

As a Fractional CFO specialising in the construction industry, I partner with business owners to:

✅ Strengthen cash flow and working capital
✅ Maximise your project profit
✅ Bring financial clarity to your decision-making
✅ Ensure compliance with HMRC and CIS
✅ Support growth with strategic financial planning

Whether you're scaling up, taking on larger contracts, or just need better visibility into your numbers, I bring CFO-level expertise 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 the full-time cost.

📩 If you're a construction business looking for strategic financial support, let’s connect. I'm always happy to have a no-obligation chat.

David,
Fractional Finance Director,
FD Solutions and Accounting.
📞 01732 843 351
Email: [email protected]

📉 Feeling the financial squeeze in your hospitality business? You're not alone.From rising costs to unpredictable cash f...
14/06/2025

📉 Feeling the financial squeeze in your hospitality business? You're not alone.

From rising costs to unpredictable cash flow, the hospitality sector is facing some of its toughest challenges yet.

That’s where we come in.

At FD Solutions & Accounting, we provide Fractional Finance Director services tailored to the unique needs of restaurants, hotels, pubs, and venues across the UK.

✅ Strategic financial planning
✅ Cash flow optimisation
✅ Budgeting & forecasting
✅ Profit improvement
✅ Support with funding & investment

You get board-level expertise — without the full-time cost.

Whether you’re scaling up, stabilising, or planning for the future, we act as your trusted finance partner to bring clarity, control, and commercial insight.

📞 01732 843 351 Let's talk if you're in hospitality and want more confidence in your numbers.

David,
Fractional Director,
FD Solutions and Accounting.
Email: [email protected]


Unlock Financial Clarity and Growth for Your Construction Business 👷Running a successful construction company requires m...
07/06/2025

Unlock Financial Clarity and Growth for Your Construction Business 👷

Running a successful construction company requires more than just building expertise—it demands strategic financial management to ensure profitability, reduce risks, and drive growth. But what if you don't have the resources for a full-time CFO or financial director?

That’s where I come in as your Fractional Financial Director—offering bespoke financial leadership tailored specifically for construction businesses.

With my services, you'll benefit from:

🔑 Construction-Specific Financial Strategy: From project costing to cash flow management, I provide expert financial planning to ensure you stay within budget and maximise profits across all projects.

📊 Improved Project Profitability: Accurate cost tracking and financial forecasting, so you can make better decisions on bids, contracts, and material costs—keeping your margins strong.

🏗️ Cash Flow Management: Construction projects often involve long payment cycles and unpredictable cash flows. I’ll help you manage cash flow, reduce delays, and keep your business running smoothly without financial stress.

🔧 Cost Control & Risk Mitigation: Identifying inefficiencies and eliminating unnecessary costs, while managing financial risks in a volatile market. From labour to supply chain issues, I’ll ensure your finances are in check.

📅 Long-Term Growth Strategy: Whether you're bidding on bigger contracts, expanding your operations, or diversifying into new services, I’ll provide the strategic financial insight you need to scale confidently.

By working with a Fractional Financial Director, you get access to high-level financial expertise without the need for a full-time hire—saving you money while giving you the tools to grow.

Let’s work together to build a stronger, more financially stable future for your construction business.

Get in touch today for a free consultation!

David,
Fractional Director,
FD Solutions and Accounting.

As a Fractional Finance Director, I’ve recently been working with a specialist drainage business—helping them dig deep i...
01/06/2025

As a Fractional Finance Director, I’ve recently been working with a specialist drainage business—helping them dig deep into their numbers (excuse the pun) and build a future pipeline for their operations. I promise to stop the puns now. They have a strong business owner who has real passion for his business so it’s been a pleasure to help him grow as a leader, using a knowledge of the financials to make forward plans.

Together, we’ve:
✅ Gained real control over costs
✅ Built financial clarity into day-to-day decision-making
✅ Introduced practical tools to support smart planning and growth

The result? A business with growing confidence in its future—and the numbers to back it up. 📈

Strategic finance isn’t just for boardrooms. It’s for every ambitious business ready to make confident, data-driven decisions.

💬 If your business needs financial direction—but not a full-time FD—I’d love to help.

Call or email us today on ☎️01732 843351 ✉️[email protected]

David,
Fractional Finance Director,
FD Solutions & Accounting.

Hospitality is in my DNA. Finance is my expertise. As a Fractional Finance Director, I’ve had the privilege of supportin...
29/05/2025

Hospitality is in my DNA. Finance is my expertise.

As a Fractional Finance Director, I’ve had the privilege of supporting restaurants, cafés, and food businesses across the UK—helping them take control of their numbers and scale with confidence.

One highlight? Working alongside TV celebrity chef Rosemary Shrager, helping to strengthen the financial foundations of her cookery business.

Where can I help? Well for me, it’s all about you getting a strong control of your costs, clear visibility of all financial aspects of your business so you can make proper decisions and achieve growth. For example, we might work together on:
✅ Stock reduction and reducing cash requirements during off-peak seasons
✅ Building financial models that you can easily use on a monthly basis to keep on top of outgoings and expenses
✅Recommendations for menu simplification so that ingredients can be used across a range of menu items, enabling lower stock holding and reduced waste.
✅Guidance on menu costings. We look at aspects like pricing the meal cost components then comparing these to the selling price. Are they in line with industry standards? If not corrective action is required.
✅Advice on promoting supplementary products to increase profits e.g. if a customer orders a main meal offer them side dishes and at intervals whether they want additional drinks.
✅Creating forward plans that forecast where you are now to where you could be in a year, five years and beyond based on the reality of today
✅ Helped founders translate passion into profit

If you're in the food or hospitality space and need high-level financial insight—but not a full-time FD—I’d love to talk.

📊 Let’s turn your hard work into healthy margins. Call or email us today on ☎️01732 843351 ✉️[email protected]

David,
Fractional Finance Director,
FD Solutions & Accounting.

Business networking is so valuable! I recently attended the South East Construction Expo 👷at the Amex in Brighton and wa...
25/05/2025

Business networking is so valuable!

I recently attended the South East Construction Expo 👷at the Amex in Brighton and was lucky enough to meet many new people and catch up with some existing contacts too.

The expo allowed me to talk face to face with business owners and explain just how our Fractional Finance Director service works. I told them how affordable it is because it's only fractional (you pay for a fraction of my time each week) and most importantly how I have genuinely helped businesses in the construction sector in my extensive career.

My fellow delegates seemed most interested in how we can help with business growth📈, cost cutting and margin control. They were also surprised to know that we offer our services on a fractional basis, in other words that we don't need to be full time and hence are affordable.

I've grown to enjoy networking - how do you feel about it? And has it been valuable for your business? Any tips for networking that mean you get the most out of it? Let me know in the comments please.

David,
Fractional Finance Director,
FD Solutions & Accounting,
Email: [email protected] Phone: 01732 843351

Now is the time to push the button and buy in specialist expertise to help your business grow. When your deliberating ab...
24/05/2025

Now is the time to push the button and buy in specialist expertise to help your business grow.

When your deliberating about what to do or where to turn next as you look to take your business to the next stage and fulfil its potential, it's exhausting.

You may not have realised but strategic expertise is available AND in an affordable way with our Fractional Finance Director offering. We operate on a part/time basis, based on the hours that are needed (and no more) in order to add maximum value.

We help businesses with growth, cost cutting, simply in getting control of finances, opportunity assessment and much more. Sometimes this can start with providing a full review of the business and then helping with the findings.

So, be decisive today, take action and get in touch to find out how we can help you and just how affordable we are.

David,
Fractional Finance Director,
FD Solutions & Accounting.
Email: [email protected] Phone: 01732 843351

Making Tax Digital - Are you ready? 📅Making Tax Digital requires you to use software to record accounts and to submit t...
17/05/2025

Making Tax Digital - Are you ready? 📅

Making Tax Digital requires you to use software to record accounts and to submit tax updates every quarter, rather than once a year, as previously required.

This will soon apply to people who are self-employed sole traders or landlords, from 6th April 2026 if you have an annual income from self employment, or property income, or the two combined, of more than £50,000 and from 6 April 2027 if the income is more than £30,000.

If you have a Fractional Finance Director from FD Solutions and Accounting, we keep you aware of all key dates and your compliance obligations but we also go over and above that - working with you as if an internal resource to help you with business strategy and making key financial decisions that affect growth. For a rounded financial service, that doesn't just talk tax, please get in touch.

David,
Financial Director,
Email: [email protected] Phone: 01732 843351

An apple a day.....🍏I recently posted about becoming an owner of an apple orchard, along with members of my local commun...
16/05/2025

An apple a day.....🍏

I recently posted about becoming an owner of an apple orchard, along with members of my local community and the pleasure that brings. 👥

This got me thinking about how often businesses trip over new opportunities and how well set up they are to take advantage of them.... ??

For your business the opportunity might not be an apple orchard but it could be a competitor coming up for sale or going under, the opportunity to acquire new personnel or perhaps sell into new markets.

In my role as a Fractional Finance Director, I'm often advising clients on things like how to raise finance or on the business case for a particular project. I think it's important to be ready for emerging opportunities and that means having the right advice and expertise at hand.

Here at FD Solutions & Accounting we can help you manage the unexpected that comes your way, and at the fraction of the price of taking on a full-time Finance Director!

David,
Fractional Finance Director,
Email: [email protected] Phone: 01732 843351

Address

Paddock Wood/
Tonbridge
TN126PJ

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Tuesday 7am - 7pm
Wednesday 7am - 7pm
Thursday 7am - 7pm
Friday 7am - 7pm

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