Lock & Ledger Ltd

About Lock & Ledger Ltd

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Lock and Ledger Ltd is a Fractional Finance Director consultancy helping ambitious SME's across Somerset, the south west of England take control of their finances and scale with confidence.

Led by Chartered Accountant Kimberley Lock, we bring board level financial leadership to businesses that aren't yet ready to hire a full-time Finance Director but need the same level of insight and direction.

Our Clients typically operate in Manufacturing, Construction, Retail, Logistics and Service industries, turning over between £1-15m, and facing challenges such as;

- Cash flow pressures and poor forecasting - Profit dips despite strong sales
- Lack of financial visibility and reporting
- Inefficient processes and systems
- Difficulty scaling operations sustainably Lock and Ledger blends finance, operations, and lean six sigma methodology to deliver measurable results - not just reports. We help build clear forecasting models, robust financial controls, and scalable systems that improve decision making profitability.

Whether you need to boost cash flow, improve margins, or plan for growth, our fractional FD services deliver clarity, structure and strategic direction - all at a fraction of the cost of a full time hire.

At Lock and Ledger Ltd, we provide Fractional Finance Director services designed to give SME's the financial clarity and control they need to grow with confidence. Whether you're struggling with cash flow pressures, planning for expansion, or simply need clearer financial visibility, our services are built to deliver strategic insight and measurable results.

We combine Chartered Accountancy expertise, Lean Six Sigma Process improvement, and hands on operational expertise to help businesses across Somerset and the South West improve profitability, strengthen controls, ad scale efficiently. Each engagement is tailored to your business, giving you the financial leadership of an FD without the full time cost.

Our services include:
- Fractional finance director support - Board level insight and strategic finance direction without full time cost.
- Cash Flow Forecasting and Management - 13 week rolling forecasts, liquidity planning and scenario modelling.
- Budgeting and 3-Way Forecasts - Integrated P&L, Balance Sheet, and Cash Flow Forecasting.
Profit Improvement and Cost Reduction - Margin Analysis, pricing strategy, and lean efficiency projects.
- KPI Dashboards Design and Reporting - Real-time Management information for better decisions.
- Financial Systems and Process Improvement - Streamline workflows and eliminate inefficiency Board and Investor Reporting - Tailored reporting packs that drive performance conversations.
ISO and Compliance Integration - Embedding quality and control framework (ISO9001, 14001, 45001).

At Lock and Ledger, we know that running a business isn't just about the numbers - it's about what those numbers enable you to do.

We act as your trusted financial partner, brining clarity, strategy, and control to your financial operations. Every engagement is hands on, transparent, and results driven - no jargon, no corporate fluff.

Our clients choose us because we: - Combine Chartered Accountancy expertise with real operational experience.
- Deliver actionable insights, not just reports
- Use Lean Six Sigma and ISO disciplines to drive measurable improvement
- Offer flexible, cost-effective support - you only pay for what you need.

With Lock and Ledger, you gain more than a Finance Director - you gain a strategic partner dedicated to helping your business grow stronger, leaner, and more profitable.

At Lock and Ledger, we believe every SME deserves access to the same financial expertise as larger organisations - just without the corporate cost.

Our Fractional Finance Director Model gives you flexible, high impact support that fits around your business needs. Whether you need a few days a month of board level guidance or help navigate a specific project, we tailor our involvement to deliver maximum value.

We start by understanding your goals - from cashflow stability and profitability to system improvement or growth readiness. We then build a practical roadmap, combining financial analysis, operational insights and data-driven decision making.

Using proven methodologies such as Lean Six Sigma and ISO process control, we help you streamline operations, strengthen margins, and establish the right KPIs to monitor performance effectively.

Our Approach is collaborative and hands-on - we don't just advise, we implement. You'll get transparent reporting, actionable insights, and measurable outcomes that make your business stronger every month.