The 90-Day Number

A Sydney Virtual CFO engagement that ends on day 90. With the numbers in your hand.

Three months. One fixed price. Four deliverables you'll use every Monday morning. Built for $2M–$15M founders who are done with retainers, theatre, and 80-page decks.
See if you're a fitBook 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.

$17,850

+ GST
That is $5,950 a month for three months, then it stops. Fixed. No retainer pressure after day 90.
what's included

Four deliverables. Two modules. One fixed price.

Everything that lands in your hands by day 90. No more, no less. Scope-creep proof.
1
A 13-week cashflow model
Built once, maintained weekly, formatted for an owner, not an analyst. Five minutes every Monday and you know what you can spend, what you owe, and what's coming in over the quarter.
2
Three KPIs that drive the week
Not a dashboard with thirty metrics. Three numbers your operating rhythm runs on, the ones that move revenue, margin, or cash. Reviewed every Friday.
3
A 12-month budget
The plan you run the year by. Assumptions you can defend at a board meeting or to your bank. Updated monthly so it stays useful, not a one-off PDF gathering dust.
4
A one-page board readout
Whether you have a board or not. The single page you'd hand an investor, a bank, or yourself in twelve months. Revenue, margin, cash, KPIs, headcount. One page. No 80-slide pageantry.
5
Headcount & Capacity Planning
A capacity model that maps your hiring plan to revenue, cash, and team output. Trigger logic for when you actually hire. The plan you defend at the next board meeting.
6
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.
who it's for

Built for $2M to $15M Sydney owners past instinct, short of a CFO.

Three profiles where the 90-Day Number consistently lands.

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.

You don't need a full-time hire. You need the layer above the books built and handed over.

The operator running on gut.

The business works. You're hiring, signing bigger clients, and making the calls on instinct and a bank balance.

You need a senior pair of hands to build the operating rhythm and leave it documented, not a permanent salary on the books.

The professionalising group.

Construction, services, health, hospitality, doing $5M to $15M. Strong on delivery, light on the numbers, running on a capable bookkeeper or office manager and instinct.

Ready to stop guessing on hiring, pricing, and cash, without the theatre of a Big 4 retainer.
why owners pick this

Why owners pick this over an indefinite retainer.

Four reasons the structure of The 90-Day Number works where the standard virtual CFO retainer doesn't.
A 90-day decision point
Most CFO retainers have no end. You sign on in March, can't tell if it's working by July, feel awkward cancelling by September. This engagement ends on day 90 by design. You decide what's next: continue, project work, or wrap with the four deliverables. All three are fine.
One fixed price, on the page
$5,950 a month for three months. $17,850 total, fixed. Not "from $X", not "$300 an hour", not "scoped after the discovery call". The price is on this page. The scope is on this page. If a CFO can't fix their own price, they can't fix yours.
One named CFO, every week
Same person on day one, day forty-five, day ninety. Not a roster, not an account manager between you and the senior. You meet your CFO on the intro call. They run the engagement. Founder-direct, no layers.
Four documents, not eighty slides
Same person on day one, day forty-five, day ninety. Not a roster, not an account manager between you and the senior. You meet your CFO on the intro call. They run the engagement. Founder-direct, no layers.
If your virtual CFO can't tell you the deliverable on day 90, you don't have a virtual CFO. You have a retainer.
how to start

Four weeks to a finance function. Twelve more to operate it.

Book a 30-minute intro. We talk through your stage, your numbers, and what you're trying to work out.

If the 90-Day Number is a fit, we send a scoping doc within 48 hours and start the following Monday.

The diagnostic lands at the end of week one. The model is working by week four. The board readout is in your hands on day 90.
Book a 30-min intro

Contact Us

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Frequently Asked Questions

The questions founders ask before signing. Plain-English answers.
What does $17,850 +GST actually buy?
Three months of senior virtual CFO work, four named deliverables (cashflow model, three KPIs, 12-month budget, one-page board readout), two modules (headcount and capacity, margin and pricing), and a senior CFO embedded in your weekly operating rhythm. Fixed price. No hourly meter, no extras. The scope is on this page; the price doesn't move.
What if my business isn't a fit?
We'll tell you on the intro call. Not every $2M to $15M owner needs a virtual CFO. If your books aren't clean, you need a bookkeeper first. If you're below $2M, it's usually premature. If you're above $15M with complex operations, you may need a full-time hire. We're selective about fit, and we'll tell you on the intro call if it isn't there.
How much of my time does this take?
Week 1: a 60-minute kickoff. Weeks 2 to 4: two 60-minute working sessions a week. Weeks 5 to 10: a 30-minute Monday cash review and a 30-minute Friday KPI check. Weeks 11 to 13: a final review and handover. Roughly one to two hours a week, most of it async between calls.
Do I need to switch accountants or bookkeepers?
No. We work alongside your accountant and bookkeeper. They handle compliance, tax, and the day-to-day. We handle strategic finance on top. If your books need cleanup before we start, we'll flag it in week 1 and recommend a path.
What happens on day 90?
A 30-minute review. You have the four deliverables and a working operating rhythm. We discuss three options: continue on a monthly retainer (optional monthly retainer, no lock-in), take on a scoped project (board pack, raise prep, exit prep), or wrap with the deliverables and stay in touch. No pressure to continue. The engagement stands on its own.
Can we extend the 90 days if we run over?
We don't run over. The scope is fixed and the dates are set in week 1. If something legitimately blocks us, say your bookkeeper can't get us last year's data, we'll flag it and reset the timeline before continuing. No surprise extensions, no surprise invoices.
What's the difference between this and a virtual CFO retainer?
The retainer has no end. The 90-Day Number does. The retainer is paid monthly and renews indefinitely. The 90-Day Number is billed as three monthly payments of $5,950, then it stops. Most owners start here, then move to a retainer if they want ongoing support. Some don't, and that's fine.
Can you help us raise capital?
Sometimes, as a scoped project, not as the main event. The 90-Day Number gets your numbers in order: the budget, the cashflow, and a board readout a bank or investor can actually read. If you're mid-raise and need an investor-specific model, we scope that separately. Most of our work is the operating finance underneath the business, not the raise itself.
Do you do tax planning or tax structuring?
No. Tax planning sits with your accountant. We'll flag tax implications when they shape a financial decision and brief your accountant on what we're seeing. The structuring advice comes from your tax professional.
Who is "the CFO" I'll be working with?
You meet them on the intro call. CA ANZ qualified, Sydney-based, senior. The same person runs the full 90 days. No roster, no rotation, no account manager between you and them.
What if I want to start sooner than next Monday?
We can start within a week of you saying yes, as long as we have your last 12 months of Xero by end of Friday. Most engagements start the Monday after the intro call.
Is there a money-back guarantee?
Yes. If you're not satisfied with the week-1 diagnostic, we refund the engagement in full and part ways. After week 1, it runs to day 90 with the fixed deliverables. We structure it this way because the work compounds week by week, so week 1 is your decision point.
Pitt Street, Sydney
Chartered Accountants Australia & New Zealand Member
hello@sydneyvirtualcfo.com
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