Most growing businesses hit a point where the bookkeeper isn’t enough and a CFO is too much. The Virtual CFO sits in between (the strategic finance work, the monthly cadence, the cashflow rigour) without the $250k salary, super and equity.
We start where the business is going, not where the books are. Three- to five-year strategic plan that the financial model serves, not the other way around.
P&L, balance sheet and cashflow, fully linked. Monthly for the next twelve months, annual for years two and three. Driver-based so a change to one assumption flows through the whole model in seconds.
A clean monthly pack: P&L, balance sheet, cashflow, KPI dashboard, commentary on the variances that actually matter. Built so it would survive a private-equity diligence.
We sit with you each month, walk the numbers, agree the three things that need to happen next. Not a status update, an actual decision-making session.
Every decision tested against cash. Will it generate or consume cash? When? How much headroom do we lose? Because every business that fails, fails because it ran out of cash.
Each dollar of profit has four homes, reinvest, pay down debt, acquire, pay shareholders. We make sure every dollar goes where it earns the highest return for your situation, not the textbook answer.
Two-hour session. We get your strategy on paper. Where do you want this business in 35 years, what gets in the way, what does success look like. Without this the financial model is just spreadsheets.
Twelve-month monthly view, three years annually. P&L, balance sheet, cashflow, fully linked. Built around your operating drivers (units, prices, sites, headcount) so it tells you what changes the answer.
Monthly management report template designed for your business. Site-level if multi-site. Cohort-level if SaaS. Project-level if construction. Built once, runs every month.
Same week each month. We come prepared with the numbers, the variance analysis, and the two or three decisions we think you need to make. You bring what’s actually happening in the business.
Every three months we step back. Is the strategy still right? Is the model still capturing reality? What needs to change? Then we re-baseline.
You have a bookkeeper, controller or finance manager. We sit above them, strategic direction, model ownership, board-pack quality control. They get upskilled, you get a finance leader without losing the team you already have.
You have a finance team but they’re flat out. We take a defined piece (the monthly close, the model, the board pack, the cashflow forecasting) and own it as part of the team. They keep doing what they do best.
You have a bookkeeper but no finance leader. We become the finance function above bookkeeping, strategy, model, reporting, monthly meetings, capital decisions. Bookkeeper keeps the books; we run the finance leadership.
Past $2M you can’t run the finance function on instinct any more. Past $100M you probably need a full-time CFO. The sweet spot for Virtual CFO is the gap between businesses growing fast enough that decisions matter, not yet big enough to justify a $250k+ salaried CFO with equity.
Fixed monthly fee, scoped before we start, no surprises. The exact number depends on revenue, structure complexity and the engagement model. Below $2M revenue is usually too early; above $20M we’ll scope a package that matches the complexity. No retainers without scope. Cancel any month with 30 days’ notice.
Book a Virtual CFO discovery callNames removed; outcomes real, achieved with the client’s permission to share.
Before: Numbers arriving 6 weeks late. Owner running on instinct. No view of which sites were earning their cost of capital.
Work: 12-month three-way model. Board-quality monthly pack delivered by day 10. Cost discipline brought to every site.
Result: Sales up, costs down via variance analysis, underperformers fixed or closed. EBITDA materially improved. First meaningful owner dividend in three years.
Before: Stock the biggest balance sheet item and nobody believed the number. Year-end adjustments running into six figures.
Work: Stock controls rebuilt. POS-to-Xero reconciliation tightened. Monthly stock review embedded into the management pack.
Result: Confidence in the stock number for the first time. No more year-end shocks. Working capital freed up that had been silently locked in dead stock.
Before: Revenue growing, profitability flat. Owner working harder every year for the same take-home. Couldn’t tell where the margin was going.
Work: Model built around utilisation, rate, cost-to-serve. Surfaced project types earning vs destroying margin.
Result: Pricing reset on loss-leading work. Margin recovery within two quarters. Owner regained confidence and cashflow to invest in next stage of growth.
Bring whatever you’ve got, the latest management accounts, last year’s tax return, a napkin sketch. 25 minutes. We’ll tell you whether a Virtual CFO is the right move, and if so, what it would look like for you specifically.
Book a Virtual CFO discovery call