231. The Fractional CFO Files | Mastering Financial Models & Fractional Life with Karl Lloyd

Episode notes

Send us your thoughts In this episode of CFO 4.0 , host Hannah Munro speaks with Karl Lloyd , fractional CFO and founder of Lloyd Consulting Limited, about his transition from full-time finance roles to a portfolio CFO career. Karl shares practical insights from working across sectors like e-commerce, SaaS, and travel, and reflects on the realities of life as a fractional CFO. In this episode, Karl covers: The biggest differences and challenges between full-time and fractional CFO roles Building effective financial models and keeping them simple, flexible, and insightful Working with investors and managing expectations through clear reporting Lessons from multiple management buyouts and how to prepare early for due diligence Advice for aspiring fractional CFOs, including mindset, client management, and business development Links mentioned: Karl's Linkedin Learn more about Lloyd Consulting Limted Explore other CFO 4.0 Podcast episodes here .