Sydney Virtual CFO

You don't need a full-time CFO. You need your numbers, in 90 days.

Most Sydney businesses between $2M and $15M run on a bank balance and the owner's gut. The bookkeeper keeps the books clean. Nobody owns the budget, the cashflow, or the three numbers that run the week.

The 90-Day Number is a Sydney virtual CFO engagement with a fixed scope, a fixed price, and an end date. You know the deliverable and the cost before you sign.
The 90-Day NumberBook a 30-min intro
Senior finance for $2m-$15m Sydney businesses. The work is led by Chartered Accountants, with experience across public, private, and owner-led businesses.

Every virtual CFO sells a retainer. We sell a deliverable.

The Sydney virtual CFO market runs on open-ended monthly retainers. You sign on, the months pass, and the only test of whether it worked is a folder of slide decks. Almost no one will tell you the deliverable or the end date before you sign. We will.

The 90-Day Number is fixed scope, fixed price, finished on day 90. We are one of the few project-based virtual CFOs in Australia, and we think that is the better product.
impact

From flying blind to running on signal.

What you have on day 90 that you do not have today.

A finance function you actually use.

Most $2M–$15M owners run on a bank balance and a gut feel. By day 90, you have a 13-week cashflow model you open every Monday morning, a budget you can defend at a board meeting, and three KPIs that drive your operating week. No 80-slide decks. No theatre. Just the work.
Cash you can always see
From running on bank balance to opening a 13-week cashflow every Monday.
Three KPIs that matter
From a dashboard with 30 metrics to three numbers your operating week runs on.
A budget you can defend
From storytelling at board meetings to assumptions you can stand behind.
One page for the board
From a P&L print-out to the page an investor or bank actually reads.
the product

The 90-Day Number, a fixed-scope Sydney Virtual CFO engagement.

One fixed-scope Sydney virtual CFO engagement. Four deliverables and two modules in your hands by day 90.

The 90-Day Number

The 90-Day Number
A fixed-scope, fixed-price Sydney Virtual CFO engagement. Four deliverables on day 90: cashflow model, three KPIs, budget, board readout. $17,850 +GST.
Headcount & Capacity Planning
A capacity model that maps your hiring plan to revenue, runway, and team output. The trigger logic for when you actually hire, and the plan you defend at the next board meeting.
Margin & Pricing
Gross margin per product or service. Pricing scenarios modelled. The numbers that tell you whether you have a real business or a busy one.

After day 90: an optional ongoing retainer, or scoped project work (raise, exit, board pack). No pressure, no lock-in.

$17,850

+ GST
That is $5,950 a month for three months, then it stops. The market charges that every month, with no end date.
WHY US

Senior finance, without the noise.

The virtual CFO market in Sydney is broken. Here's how we're not.

Four reasons founders pick us over the indefinite-retainer factories, the 80-slide-deck shops, and the sole operators charging "from $X."
A 90-day decision point
Most retainers have no end. You sign on in March, can't tell if it's working by July, and feel awkward cancelling by September. Our front door is 90 days, fixed scope, fixed price. You decide what's next on day 90, not the other way around.
Four documents, not eighty slides
We deliver the cashflow model, the KPIs, the budget, and the one-page board readout. If it doesn't fit in those four documents, it isn't strategic finance. It's theatre.
One named CFO, every week
Not a roster. Not an account manager between you and the senior. The CFO you meet on day one is the CFO you work with on day ninety. Same person, same context, every week.
Fixed price, scope on the page
$5,950 a month for three months. $17,850 total, fixed. Not "from $X", not "scoped after a discovery call". Pricing is the easiest test of whether a CFO can scope their own work.
If your virtual CFO can't tell you the deliverable on day 90, you don't have a virtual CFO. You have a retainer.
the 90-day engagement

What actually happens in 90 days

Four-stage timeline
Week 1
Diagnostic
We read your last 12 months of Xero, your last board pack if you have one, and three months of bank statements. We confirm the two modules apply to your business. You get a one-page diagnosis.
Weeks 2-4
Build
The cashflow model and budget go from blank to working. We sit with you twice a week.
Weeks 5-10
Operating rhythm
The two modules get built: headcount and capacity, margin and pricing. Weekly cash review, weekly KPI check.
Weeks 11-13
Handover
Budget and board readout finalised on day 90. The model is documented and yours. We have the day-90 conversation: continue, project work, or wrap.

What we don't do

Clarity is the brand
1
We don't do bookkeeping, BAS, GST, or payroll.
2
We don't do tax returns or tax planning.
3
We do the budget, the cashflow, and the numbers that drive your decisions. That's the job.
60 seconds

See what your Day-90 readout would highlight

Seven questions. A real preview. No email required to see the result.

90-Day Scorecard Preview

Question 1 / 5
free read

Virtual CFO, Decoded

Eighty-five finance terms in plain English, from 13-week cashflow to adjusted EBITDA. Built so you can tell the work from the theatre.

CFO Decoded · Dictionary

0 terms
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build for business owners

Who it's for

A four-stage engagement. Same structure for every founder. The work compounds week by week.

Built for owners past instinct, short of a CFO.

The owner who's outgrown the bookkeeper.
You've crossed $2M. The books are clean, but nobody owns the budget or the forward view. Your finance person is part-time, junior, or you.

‍The operator running on gut.
The business works. You're hiring and signing bigger clients on instinct and a bank balance. You need the operating rhythm built and handed over, not a full-time hire.

‍The professionalising group.
Construction, services, health, hospitality, doing $5M to $15M. Strong on delivery, light on the numbers. Ready to stop guessing on hiring, pricing, and cash.
See if you're a fit

Contact Us

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Frequently Asked Questions

The questions founders ask before signing. Plain-English answers.
What does a Sydney Virtual CFO actually do?
We build the model, set the KPIs, run the cashflow, write the budget, and prepare the one-page board readout. We don't do bookkeeping, BAS, or tax. We do the strategic layer that sits on top of clean books: the work that drives hiring, pricing, and cash decisions.
Why a fixed 90-day product, not a retainer?
Indefinite retainers have no decision point. Owners sign on, lose track of the value by month four, and feel awkward cancelling by month six. A 90-day fixed-scope engagement forces clarity. You know what you're getting, you know when it's done, and you decide what's next without pressure.
What does it cost?
$17,850 +GST, fixed. That is $5,950 a month for three months, then it stops. No "from $X", no hidden hours. The scope and the price are on the page.
Who is the 90-Day Number for?
$2M to $15M Sydney owners past product-market fit, running on instinct, without a senior finance hire. Common profiles: services and construction groups professionalising operations, ecommerce scaling past $3M, owners who've outgrown the bookkeeper but can't justify a $250K hire.
What industries do you work with?
We work across operating industries: SaaS, ecommerce, professional services (law, consulting, architecture, engineering, design), high-end construction, and health and allied health groups. The common thread isn't the sector, it's the stage: a $2M to $15M owner-led business past product-market fit, with clean books but no one owning the budget, cashflow, or KPIs. If that's you, the work translates.
How is this different from my accountant?
Your accountant handles year-end: tax, structuring, compliance. We handle the forward view: cashflow, budget, KPIs, the decisions in front of you. Most owners need both. We work alongside your accountant, not instead of them.
How is this different from my bookkeeper?
Your bookkeeper keeps the day-to-day clean: Xero, BAS, payroll. We build the strategic layer on top: cashflow, budget, board readout, the numbers behind your decisions. We assume your books are clean. If they're not, we'll tell you in week 1 and point you at a fix first.
What's the difference between a virtual CFO and a fractional CFO?
The labels get used interchangeably in Sydney. We use "virtual" because it's how owners search. The work is the same.
What happens after day 90?
You have the four deliverables and a working operating rhythm. We have a short conversation about what's next, and there are three honest answers: continue on an optional monthly retainer, take on a scoped project (raise, board pack, exit prep), or wrap with the deliverables and stay in touch. All three are fine. The engagement is built to stand on its own.
Is there a lock-in or minimum term?
No. The 90-Day Number is paid upfront, fixed at $17,850 +GST, and ends on day 90. It doesn't auto-renew. If you continue on a retainer afterwards, that's month to month with no lock-in either. The whole point is that you decide what's next, not a contract.
What if we already have someone doing the numbers?
That's common, and we work alongside them. A bookkeeper or finance manager runs the operational rhythm: close, payroll, AP, AR. A virtual CFO sets the forward view they operate inside: the budget, the cashflow, the KPIs, the board readout. If your numbers are currently run by someone part-time or junior, we build the layer they don't have time or seniority to own, and leave it documented.
Do I need to switch my accountant or bookkeeper?
No. They keep doing what they do. We sit on top of clean books and handle the strategic finance: forecasting, budget, KPIs, the decisions in front of you. If your books need a cleanup before we can build on them, we'll tell you in week 1 and point you at a fix first.
How much of my time will this take?
Roughly one to two hours a week, most of it async between calls. Week 1 is a 60-minute kickoff. Weeks 2 to 4 are two short working sessions a week while the model gets built. From week 5 it settles into a weekly cash review and a weekly KPI check. Day 90 is a final review and handover.
Pitt Street, Sydney
Chartered Accountants Australia & New Zealand Member
hello@sydneyvirtualcfo.com
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