Kimberley Lock
Founder & Fractional Finance Director @Lock & Ledger Ltd
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WORK HISTORY
Founder & Fractional Finance Director @Lock & Ledger Ltd
Somerset, GB
I founded Lock & Ledger Ltd to give SME owners the financial clarity and direction they need to grow with confidence. Many small and medium businesses can’t justify a full-time Finance Director, yet they face the same challenges: cashflow pressures, profit leaks, inefficient processes, and a lack of meaningful financial insight.At Lock & Ledger, I provide Fractional Finance Director services - bringing the expertise of a seasoned FD on a flexible basis. My work goes beyond traditional finance; I combine strategy, reporting, and operational improvements to deliver results that business owners can see and act on.What I deliver for SMEs:Cashflow forecasting & funding strategiesProfit improvement through margin analysis and operational changesStreamlined finance systems and reporting dashboardsScalable budgets and growth plansProcess improvements using Lean Six Sigma and ISO frameworksStrategic support for acquisitions, exits, and successionBy blending financial expertise (ACCA-qualified) with operational know-how (Lean Six Sigma Black Belt, SCRUM Master & ISO experience), I help SMEs turn complex numbers into clear, practical actions.
EDUCATION
First4safety
IOSH Managing Safely
BPP
ACCA
Columbia Business School
Business analytics
The Knowledge Academy
Scrum Master
The Knowledge Academy
Lean Six sigma Black Belt
Chilton Trinity
High School, GCSE
Bridgwater College
AAT, Accounts
Bridgwater College
A Level, Business Studies, Media & IT
ABOUT KIMBERLEY LOCK
I help ambitious SME owners turn complex finances into clear, actionable strategies that drive growth.As Founder of Lock & Ledger Ltd, I provide Fractional Finance Director services to SMEs that need the expertise of an FD without the cost of a full-time hire. My focus is on solving the problems that hold businesses back - cashflow pressures, profit leaks, inefficient processes, and a lack of meaningful financial reporting.With 20 years’ finance experience and a background as a Chartered Certified Accountant (ACCA), I bring a unique blend of financial and operational expertise. I’ve implemented ISO 9001, 14001, and 45001 standards, giving me deep insight into governance, risk, and process improvement. As a Lean Six Sigma Black Belt and certified SCRUM Master, I specialise in making businesses more efficient, agile, and prepared for sustainable growth.What I deliver for SMEs:Cashflow forecasting and funding strategiesProfit improvement through margin analysis and efficiency gainsStreamlined finance systems and clear reporting dashboardsStrategic financial planning for growth, acquisition, or exitOperational improvements using Lean Six Sigma, ISO frameworks, and agile project managementI work closely with business owners and management teams to create clarity, confidence, and control in their finances. My approach is straightforward: translate numbers into decisions, decisions into action, and action into growth.If you’re an SME owner looking for financial direction and operational improvement, let’s connect.
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