FRACTIONAL CFO & FINANCIAL CONTROL · SOUTH AFRICA
Build a business that creates wealth. Not just revenue.
If your turnover has grown but the numbers still arrive too late, cash flow is a guess, and compliance keeps eating the time you should spend leading, it’s a sign your finance function hasn’t kept pace with your business.
We give growing businesses an outsourced CFO and a structured Financial Control System™ that turns scattered financial activity into clarity, control and confident decisions.
Confidence → Control → Growth → Legacy
Or explore the Financial Control System™ →
18+ years of senior finance leadership · Advising business owners since 2016 · Experience across multi-entity and cross-border finance environments
Certified & accredited
AN OUTSOURCED FINANCE FUNCTION BUILT AROUND CONTROL
What we actually do
Accounting, payroll, tax, reporting, advisory, coaching and business structuring — delivered as one connected finance function for growing owner-managed businesses.
The services that give you clarity, control and confident decisions — from compliance through to growth. Explore the full range below.
Accounting & Bookkeeping
Accurate, current books you can trust.
Tax Services
Compliant, with no year-end surprises.
Fractional CFO
Senior finance leadership, scaled to you.
Management Reporting
The numbers that drive decisions.
Business Advisory
Better decisions, backed by your numbers.
Business Coaching
Accountability that turns plans into action.
Business Plans
Plans and forecasts that hold up.
Company Secretarial
Structures kept compliant and in order.
Most growing businesses don’t have a revenue problem. They have a financial control problem.
Turnover is up, the team is bigger, more is happening every month. But the numbers arrive too late to act on, cash flow is a guess, and compliance eats the time that should go into leading.
Revenue has scaled, but control hasn’t. It isn’t an accounting problem — it’s the absence of a system. And it’s fixable.
Cash flow uncertainty
Limited visibility over what’s coming, when, and whether it’s enough.
Compliance burden
Tax, payroll and statutory obligations consuming management attention.
Limited visibility
Important decisions made without timely, reliable numbers.
Uncontrolled growth
A business scaling faster than its systems, processes and controls.
The answer isn’t more effort. It’s better control.
You don’t need to work harder, or hire a full finance department. You need an outsourced CFO and a structured system that turns scattered financial activity into clarity, control and confident decisions.
OUR METHODOLOGY
The Financial Control System™
Most businesses start with compliance. The ones that build lasting value go further — they build control. The system moves your business through four connected stages, each building on the one before, each producing a specific outcome.
Compliance
→ Confidence
Accurate books, payroll, tax and statutory foundations you can trust.
Optimisation
→ Control
Management reporting, cash flow visibility and systems that support real decisions.
Development
→ Growth
Strategy, coaching, KPIs and the structure to scale sustainably.
Wealth
→ Legacy
Structures, succession and asset protection that turn success into lasting value.
TECHNOLOGY
Modern finance, powered by connected technology
We combine leading cloud platforms — including Xero, Dext, ClerkIQ, Syft Analytics and Caseware — to deliver accurate books, real-time reporting and efficient financial management.
Rather than juggling disconnected systems, you get one connected finance function that delivers faster visibility, less manual work, and reliable financial information you can confidently act on.
We don’t just report the numbers. We help you act on them.
We work as an embedded part of your business — senior finance expertise delivered through a structured system, not a once-off service handed over and forgotten.
Most firms help businesses stay compliant. We help businesses become valuable.
“Jacques knows what he’s doing, and it’s made my life so much easier working with him. I know exactly what’s going on with my cash flow — no more guessing. That’s made my accounts payable easier to manage on supplier terms, and my outstanding debtors easier to collect, because I know the amounts are correct.”
“Jacques and the Fractional FM team have been crucial in my business’s operations — offering valuable advice on financial structures, accounting, trusts, and setting up new businesses. I trust and value their opinion on financial concerns in all my businesses and structures.”
“Their quick turnaround time has given us crystal clear visibility into our finances and reduced pressure on our evolving daily needs, allowing for smarter, faster financial decision-making. But most importantly, we have noticed sustainable growth.”
“The team at Fractional FM is very knowledgeable and provides incredible insights. We appreciated the attention to detail and a thorough review of our requirements with expert advice.”
BEFORE
- Reactive, firefighting
- Numbers you can’t fully trust
- Cash flow under stress
- Limited visibility
- Stuck working in the business
AFTER
- Proactive, in control
- Reliable, timely numbers
- Healthy, predictable cash flow
- Full visibility
- Free to lead the business
Clarity
Know exactly where the business stands, through timely reporting and real insight.
Control
Systems and disciplines that improve decisions and reduce risk.
Growth
The capacity, structure and leadership to scale on purpose.
Wealth
Strategic structures that convert business success into lasting value.
Everything your finance function needs. One integrated partner.
Our services aren’t sold as disconnected tasks. They’re organised around the Financial Control System™, so every piece of work strengthens your foundations, sharpens your control, and supports growth and long-term value.
Compliance & Administration
Accounting, bookkeeping, payroll, tax compliance, statutory submissions, CIPC services, financial statements and reconciliations.
Financial Management & Control
Management accounts, cash flow management, reporting, budgeting, forecasting, financial analysis and internal controls.
Business Advisory & Development
Business coaching, strategic planning, business plans, implementation support, training and KPI development. Business coaching provides the accountability needed to turn strategy into execution, ensuring plans become measurable outcomes.
Structures & Wealth Preservation
Company and trust structures, agreements, succession planning, asset protection and governance support.
WELCOME TO FRACTIONAL FM
Why we built Fractional FM
Fractional FM was founded on a simple belief: growing businesses deserve more than compliance — they deserve financial leadership, practical advice and systems that create lasting control.
That’s why we developed the Financial Control System™ — an integrated approach that connects accounting, outsourced CFO services, business advisory and business coaching into one practical framework for sustainable growth.
WHEN YOU NEED US
You probably need us when…
- Your numbers arrive too late to guide decisions.
- Cash flow is difficult to predict.
- Compliance is taking too much management time.
- You’ve outgrown basic bookkeeping.
- Your business needs senior finance input — but not a full-time CFO.
- You need business planning, funding support or better reporting.
- Your company or trust structures need attention.
Who we work with
We partner with ambitious owner-managed businesses that have outgrown basic bookkeeping and need stronger financial leadership. Based in South Africa, we work across Southern Africa — Botswana, Eswatini, Lesotho, Mozambique and Zambia — and support cross-border engagements in the United Kingdom and United States.
COMMON QUESTIONS
Your questions answered
What does Fractional FM do?
We provide an outsourced finance function — accounting, tax, payroll, reporting, advisory, coaching and structuring — delivered as one connected system for growing owner-managed businesses.
Are you an accounting firm or a CFO service?
Both. We handle the standard accounting, tax and payroll work, and add the senior CFO-level reporting, cash flow and advisory layer that most firms don’t.
Do you work with owner-managed businesses?
Yes — that’s our focus: established, founder-led businesses, typically with 5–75 employees and turnover from R5m to R80m.
Can you handle accounting, tax and payroll together?
Yes — running them together is where the system is strongest, because one team owns the whole financial picture.
How is Fractional FM different from a traditional accountant?
A traditional accountant keeps you compliant and reports on the past. We do that too — and add the senior, forward-looking layer: cash flow, reporting, advisory and structure, run as one connected system built to give you control.
What is the Financial Control System™?
It’s our framework for moving a business through four connected stages — Compliance, Optimisation, Development and Wealth — producing Confidence, Control, Growth and Legacy.
Let’s find the gaps before they become expensive.
Book your complimentary strategy session and we’ll look at where stronger financial control could improve your business — practically, and with no pressure.
- No cost, no obligation
- Strictly confidential
- Practical advice you can use