Brisbane · CPA-qualified · Registered Tax & BAS Agents
A CFO's judgement, without a CFO's salary.
Forecasting, margin analysis, board-grade reporting and the hard conversations about pricing and capital — for businesses too big to run on instinct and too small for a full-time finance chief.
What is a virtual CFO, and when do you need one?
A virtual CFO is a senior finance professional engaged part-time to do what a full-time CFO would: build and defend the cash-flow forecast, own the budget and KPI reporting, interrogate margin and pricing, prepare lender and investor packs, and sit in the room when capital, hiring and acquisition decisions are made. The trigger is usually turnover between $2m and $20m, or any point where decisions have become too expensive to guess at but a $200k salary isn't justified.
- From $1,200/month, scoped in advance
- 13-week and 12-month cash-flow models
- Monthly or quarterly board pack
- Lender and investor-ready reporting
Why us
What you get working with us.
Forecasts that get used
A 13-week rolling cash-flow model driven by your actual receipts and payment terms — updated, reviewed and acted on, not built once and abandoned.
Margin at the level decisions happen
Gross margin by job, product, channel or client — because the blended number never tells you what to stop doing.
Funding conversations you win
Serviceability packs, forecasts and financial statements in the format credit teams expect, which shortens approvals and improves terms.
Compliance already handled
We prepare your accounts and returns too, so advice sits on numbers we've verified rather than a management report we've been handed.
Who it's for
Who this is for.
- Businesses turning over $2m–$20m
- Owners who've outgrown gut-feel decisions
- Businesses preparing for finance or investment
- Groups with several trading entities
- Businesses with volatile cash flow
- Owners planning an exit in 2–5 years
- Boards needing credible monthly reporting
- Businesses that just lost a finance manager
Indicative fees
| Engagement | Indicative fee |
|---|---|
| Foundation — quarterly CFO cadence | from $1,200/month |
| Growth — monthly pack + meeting | from $2,400/month |
| Project: cash-flow model build | from $1,200 one-off |
| Project: funding pack | from $1,800 one-off |
Scope
What the engagement covers.
Cash-flow forecasting
13-week rolling model plus a 12-month projection including BAS, income tax instalments, super and loan commitments.
Budget and variance reporting
An annual budget by month, then actual-versus-budget reporting with commentary on what moved and what to do about it.
KPI dashboard
The three to five numbers that actually drive your result — margin, utilisation, cash days, conversion — tracked consistently.
Pricing and margin analysis
Contribution by product, service line or job, break-even volumes, and modelling of price and cost changes before you commit.
Funding and lender support
Serviceability packs, forecasts, covenant tracking and direct liaison with brokers and credit teams.
Board and shareholder reporting
A monthly or quarterly pack a non-accountant director can read, plus attendance at board or management meetings.
FAQ
Questions we're asked most.
How is a virtual CFO different from my accountant?
Your accountant reports what happened and lodges it. A CFO decides what should happen next: whether to raise prices, take the finance, make the hire, chase the acquisition, or hold cash. Same discipline, opposite direction in time. We do both, which is why the advice can be specific rather than generic.
At what turnover does this make sense?
Usually from around $2m, or earlier if you're capital-intensive, inventory-heavy or growing fast enough that cash timing has become the binding constraint. Below that, quarterly business advisory is normally the better-value option — and we'll tell you if that's you.
What does a virtual CFO cost compared with hiring?
A full-time CFO in Brisbane costs $180k–$250k plus super and on-costs. A virtual engagement runs $1,200–$2,400 a month — $14k to $29k a year — because you're buying judgement and reporting cadence, not headcount. The trade-off is availability: we're not in your building daily.
Do you replace our bookkeeper or finance manager?
No — we sit above them and make them more effective. Ideally your internal person owns the data and we own the interpretation, the forecast and the board conversation. Where there's no internal person, we can supply bookkeeping too.
Will you attend board meetings?
Yes, in the Growth engagement — monthly or quarterly, in person in Brisbane or by video, with the pack circulated beforehand so the meeting is about decisions rather than reading.
Can you help us get finance approved?
We prepare the financial case — historical statements, forecasts, serviceability and covenant modelling — and work alongside your broker or lender. We're accountants, not credit advisers, so we don't recommend specific loan products; we make sure the numbers stand up.
Related
Related pages.
Business Advisory
Structuring, cash-flow forecasting, growth strategy and succession planning.
Learn more →Financial Reporting
Clear statutory and management accounts you can actually make decisions from.
Learn more →Business Valuations Brisbane
Sales, disputes, family law
Learn more →Tax Planning
Year-round planning that lowers your tax bill before 30 June — not after it.
Learn more →Business Accounting
Bookkeeping, BAS, payroll and management reporting handled end to end.
Learn more →Small Business Accountant Brisbane
Sole traders to companies
Learn more →Local coverage across Brisbane
We work in person from our Wakerley office and by secure video across 200 suburbs. Start with your region:
- Accountants Brisbane CPA accountants for the wider Brisbane metro area.
- Accountants South Brisbane South Brisbane, West End, Annerley and Sunnybank.
- Accountants Brisbane Northside Chermside, Stafford, Aspley and the northern corridor.
- Accountants Brisbane Bayside Wynnum, Manly, Wakerley and Tingalpa.
- Accountants Redland City Cleveland, Capalaba, Victoria Point and the bay islands.
- Accountants Logan City Springwood, Beenleigh, Browns Plains and 50 Logan suburbs.
- Accountants Ipswich Ipswich CBD and the western Brisbane corridor.
Ready when you are
Virtual CFO Brisbane — let's talk.
Free 15-minute consultation and a fixed fee in writing. Mon–Fri 9am–5pm AEST.