Michael Fletcher CA(SA), ACA

Fractional & Interim CFO/FD | Supporting UK SMEs in service-related sectors to minimise risks and maximise value and cashflows | Creator of ClarityBI and LedgerLens

London Area, United Kingdom

About

I help UK SMEs understand their numbers enabling them to take informed strategic decisions to realise their growth and valuation ambitions. I help finance teams to work smarter, not harder. I use my Chartered Accountant qualification, my +25-year institutional and 10-year financial consulting careers to add value to founders and owners. I combine this expertise with modern automation and BI tools to provide actionable insights for confident decision-making. I have built 2 tools to support these: - ClarityBI: a reporting and insights platform that turns Xero data into clear, actionable dashboards - LedgerLens: a working papers automation tool that standardises reconciliations and improves audit readiness I aim to bring clarity, confidence and efficiency to SMEs.

Experience

  • Founder at Mike Fletcher Consultancy Limited
    Apr 2013 - Present · 13 yrs 3 mos

    I am a Senior Finance Executive supporting SMEs as FD/CFO.  My highest value competencies include Business Intelligence (BI), Financial Planning & Analysis (FP&A), measuring performance (MIS) and Financial Restructuring. I have built 2 tools to support these competencies: ClarityBI©: Most SMEs don’t lack data — they lack clarity. They get reports, but not insight. They see numbers, but not meaning. ClarityBI was built to change that. As a fractional CFO, I see the same pattern repeatedly: - Business owners drowning in spreadsheets - CFOs and finance teams spending hours preparing reports - Decisions being made without visibility ClarityBI turns raw accounting data into clear, visual intelligence. It gives SMEs the confidence to act early, plan better, and grow faster. It gives CFOs the tools to elevate advisory conversations. It brings clarity to the numbers that matter. LedgerLens©: Working papers are the backbone of financial accuracy — but they’re often messy, inconsistent, and manual. I have seen this firsthand across dozens of clients. LedgerLens was built to fix the problem at its source. It standardises working papers. It automates reconciliations. It reduces errors. It makes audits smoother. It gives CFOs and finance teams a consistent, reliable structure. LedgerLens isn’t about replacing accountants — it’s about protecting them. It ensures accuracy, consistency, and peace of mind.

  • Finance Director at Spec Digital
    Feb 2023 - Present · 3 yrs 5 mos

  • EFM (financial expertise for your business) (9 yrs 9 mos)
    • Associate Director
      Oct 2016 - Present · 9 yrs 9 mos

      https://efm.uk.com/efm-experts/meet-our-experts/mike-fletcher I am part of a network providing senior strategic financial management services and strategic advice to SMEs across the UK.

    • Operations Director (part-time)
      Mar 2017 - Sep 2017 · 7 mos

      I also spent a period acting as Operations Director for the business, to improve management information on its network’s performance & profitability resulting in increased average charge-out rates of 15%+ over 2 years.

  • Interim Director of Finance & Operations at Richmond, The American International University in London
    Dec 2024 - Mar 2025 · 4 mos

  • Interim Finance Director at Opes International Limited
    Jan 2024 - Nov 2024 · 11 mos