Virtual CFO Services
for Australian SMEs
Get a full finance team - CFO, accountants, and financial systems - for less than the cost of one full-time hire. Strategic financial leadership that grows with your business.
Growing businesses hit a financial ceiling
Most SMEs reach a point where their bookkeeper handles compliance, their accountant handles tax - but nobody is looking ahead. These problems compound quietly until they cost real money.
You've outgrown your bookkeeper
Your business is doing $2M+ but your financial reporting hasn't evolved past BAS lodgements and basic P&Ls. You need strategic insight, not just compliance.
No visibility on cash flow
You're making commitments - hiring, investing, expanding - without a clear picture of your cash runway. Month-end surprises have become the norm.
Decisions without data
Should you hire that next role? Open a second location? Take on that big contract? Without forward-looking financial models, every major decision is a guess.
Scaling without a CFO is expensive
A full-time CFO costs $200K-$350K+. You need the strategic capability, but not the full-time overhead. Margin leakage and missed opportunities add up fast.
Strategic financial leadership, not just number crunching
Our outsourced CFO service goes well beyond what your accountant provides. We work inside your business to drive profitability, clarity, and growth.
Management Reporting & KPI Dashboards
Monthly reporting that tells you what's actually happening - profitability by division, margin analysis, KPI tracking. Numbers that drive decisions, not just satisfy compliance.
Cash Flow Forecasting & 3-Way Models
Rolling 3-way forecasts (P&L, balance sheet, cash flow) that give you clear visibility on your cash runway. Know exactly where you'll be in 3, 6, and 12 months.
Strategic Advisory & Scenario Planning
Financial modelling for major decisions - acquisitions, expansion, pricing changes, new hires. Test scenarios before committing capital so you move with confidence.
Budgeting & Cost Control
Annual budgets with monthly variance analysis. We identify margin leakage, optimise cost structures, and ensure every dollar works harder for your growth.
Board & Lender Communication
Investor-grade reporting, board packs, and lender presentations. We represent your financial position to external stakeholders with the credibility they expect.
Capital Raise & Exit Readiness
Whether you're raising capital, preparing for sale, or acquiring another business - we build the financial infrastructure investors and buyers demand.
A whole finance department, not just a consultant
Most fractional CFO firms send you a single consultant. We provide an integrated team - CFO, management accountants, and financial systems - working together inside your business.
Compliance-Focused
Backward-looking. Tax minimisation and BAS lodgements. Reactive. You call them once a year.
No strategic valueOne Person, Limited
One person trying to cover strategy, reporting, and systems. Limited hours. Single point of failure.
Capacity constrainedFull Finance Team
CFO-level strategy backed by management accountants and systems. Proactive. Scalable. Always-on financial leadership.
Complete capabilityThree steps to financial clarity
No lock-in contracts. No upfront commitment. We start with a free assessment so you can see exactly what we'd do before you decide anything.
Free Assessment
30-minute call to understand your business, goals, and current financial setup. We sign a one-way NDA to protect your information.
No obligation. No cost.
Financial Diagnostic
We access your accounting system (read-only), run your data through our models, and prepare a clear assessment of where you stand and what needs attention.
Tailored to your budget and priorities.
Ongoing Partnership
Monthly retainer covering management reporting, forecasting, advisory, and strategic support. We integrate into your operations and become your finance team.
No term contracts. Stay because it works.
Trusted by Australian SMEs since 2013
From venture capital raises to profitability turnarounds - here's what our clients say about working with a virtual CFO.
"In 2017 we took on venture capital for a business. They would not have agreed to the deal without the detailed financial budgeting/forecasting reporting that we had at hand."
"When a private investor showed interest, we engaged The Virtual CFO Group to enhance our financial controls and set up robust reporting and forecasting processes. Their expertise was crucial in achieving a successful outcome."
"Since partnering with The Virtual CFO Group, we've established proactive planning and review processes that have significantly boosted our profitability and provided clear insights into our cash position."
Led by Colin Wright CPA & Matthew Thompson CPA, CIMA, CGMA
Your engagement is led by qualified, experienced CFOs - not junior analysts. Colin has been working with Australian SMEs since 1994. Matthew brings 14 years of commercial finance leadership across manufacturing, distribution, and logistics.
Common questions about virtual CFO services
Everything you need to know before booking your assessment.
Ready for financial clarity?
Book a free 30-minute assessment. We'll review your situation, identify quick wins, and show you exactly what a virtual CFO can do for your business.