Virtual CFO in Bondi Junction

Your numbers in 90 days. Fixed scope, fixed price, then it stops.

Bondi Junction runs on consumer brands, health practices, and fitness and wellness studios around Westfield and Oxford Street. Profitable across a good season, and cash-tight the moment trade dips or the next stock buy lands.

The 90-Day Number builds the forward view your bookkeeper was never meant to own, and hands it over on day 90.
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, built around how a Bondi Junction retail, health, or wellness business actually runs. No more, no less.
1
A simple 13-week cashflow model
Tied to store takings, online sales, and seasonal stock buys for retail, or member and patient billing and payroll for a practice or studio. Five minutes every Monday and you know what is in the bank across the quarter.
2
Three KPIs that drive the week
For retail, usually contribution margin, AOV, and stock turn. For a practice or studio, revenue per practitioner or site, payroll as a share of revenue, and occupancy. Set to your model, reviewed every Friday.
3
A 12-month budget
The plan you run the year by, with the next store, site, or practitioner costed against the run rate and the season built in. Assumptions you can defend to a board or a bank. Updated monthly, not filed once.
4
A one-page board readout you want to read
Revenue, margin, cash, KPIs, headcount, on a single page. The page you would hand a bank, an investor, or yourself in twelve months. No eighty-slide pageantry.
5
Headcount & Capacity Planning
Maps your hiring plan to revenue, cash, and output. Whether demand supports the next practitioner, or sales support the next site. Trigger logic for when you commit.
6
Margin & Pricing
Gross margin where it lives: by channel and category for retail, by service and practitioner for a practice. Pricing and discount scenarios modelled. The numbers behind a real business, not a busy one.
who it's for

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

Three profiles where the 90-Day Number consistently lands here.

The consumer brand or omnichannel retailer.

You run a retail or consumer brand with a presence in Westfield and along Oxford Street, plus an online channel.

Revenue around $7M at roughly a 50% gross margin, but trade swings hard with the season, and cash is tightest right when you are buying stock for the peak.

Growth and cash rarely line up.

The allied health or medical practice owner.

You run a multi-practitioner GP, dental, or specialist practice around Oxford Street or Bronte Road.

Revenue near $5M, payroll close to 50% of it, and the levers that matter most are revenue per practitioner and room occupancy.

The forward view is the part nobody currently owns.

The fitness, beauty, or wellness studio group.

You run a studio, or a small group of them, across the eastern suburbs.

Revenue around $4M, part recurring memberships and part walk-in and retail, with cash that dips through every January lull and quiet stretch.

You need to see the trough before you hit it, not after.
why owners pick this

Why Bondi Junction owners pick this over an indefinite retainer.

Four reasons the structure of the 90-Day Number works where the standard virtual CFO retainer does not.
A 90-day decision point
The standard offer is an open-ended retainer at $4K to $8K a month with no end date. You sign on in March, cannot tell if it is working by July, feel awkward cancelling by September. This ends on day 90 by design. You decide what is next: continue, project work, or wrap with the four deliverables.
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 a discovery call". You price your range to a margin and a landed cost. You should expect a CFO to price their own work.
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 and they run the engagement. Founder-direct, no layers.
Four documents, not eighty slides
We hand over the cashflow model, the three KPIs, the budget, and the one-page board readout. If it does not fit in those four documents, it is not strategic finance. It is theatre.
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 are trying to work out.

We can meet in person around Bondi Junction and the eastern suburbs, or over a call.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

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Frequently Asked Questions

The questions founders ask before signing. Plain-English answers.
Do you work with Bondi Junction retail and consumer brands?
Yes, they are a core part of the work here. Westfield and the Oxford Street strip are full of retail and consumer brands between $2M and $15M. The recurring problem is the same: a strong season hides how tight cash gets in the quiet months and right before a big stock buy. That forward view is the layer a virtual CFO builds.
We run an allied health or medical practice in the eastern suburbs. Is this for us?
It is. Multi-practitioner GP, dental, and specialist practices are a major Bondi Junction cluster. The numbers that matter are revenue per practitioner, payroll as a share of revenue, and room occupancy. The 90-Day Number gives you a budget and a 13-week cashflow built around those levers, especially if you are adding rooms or practitioners.
We run a fitness, beauty, or wellness studio. Does this fit?
Yes. Studios mix recurring memberships with walk-in and retail income, and the cash dips hard in the January lull and over quiet stretches. We build the cashflow and budget around that rhythm, so you can see the trough coming and decide on hiring or a second site with the numbers in front of you.
What does $17,850 +GST buy a Bondi Junction owner?
Three months of senior virtual CFO work and four named deliverables: a 13-week cashflow model, three KPIs, a 12-month budget, and a one-page board readout. Plus two modules, headcount and capacity, and margin and pricing. Fixed price, billed as three monthly payments of $5,950, then it stops.
How is this different from my accountant?
Your accountant handles the backward view: tax, structuring, compliance, year-end. We handle the forward view: cashflow, budget, KPIs, the decisions in front of you this quarter. Most owners need both. We work alongside your accountant, not instead of them.
Do you meet in person around Bondi Junction?
Yes. We can meet around Bondi Junction and the eastern suburbs for the kickoff and key sessions, and run the weekly cash and KPI reviews remotely. Most of the work between calls is async. The point is the rhythm, not the commute.
Our trade swings hard with the season. Can a 13-week cashflow handle that?
That is the case it is built for. Seasonal swing is the core reason a profitable Bondi Junction business still feels tight in the off months. The 13-week model maps your peaks and troughs against stock buys, payroll, and rent, so the quiet stretch is planned for, not survived.
What KPIs make sense for a multi-site retail or wellness business?
For retail, usually contribution margin, AOV, and stock turn. For a practice or studio, revenue per site, payroll as a share of revenue, and occupancy or utilisation. We set them to your model in week one. The test is three numbers that move revenue, margin, or cash, reviewed every Friday.
We are opening another store or site. Can you help us decide?
Yes, that is a common reason owners start here. The headcount and capacity module costs the next store or site against your current margins and cash, so the decision is quantified rather than a hunch. If you later need a deeper expansion model, we scope that separately as a project.
We have outgrown the bookkeeper but cannot justify a finance hire. Is this the in-between step?
Yes, that is the exact gap. A full-time finance lead at this stage is a $200K to $300K commitment with super, leave, and recruitment on top. This builds the layer that hire would own, hands it over documented, and leaves you running it for a fixed $17,850.
What happens after day 90?
You have the four deliverables and a working operating rhythm. We have a short conversation about what is next, with three honest options: continue on an optional monthly retainer with no lock-in, take on a scoped project, or wrap with the deliverables and stay in touch.
Is there a lock-in or minimum term?
No. The 90-Day Number is fixed at $17,850 +GST and ends on day 90. It does not auto-renew. If you continue afterwards, that is month to month with no lock-in either. You decide what is next, not a contract.
Pitt Street, Sydney
Chartered Accountants Australia & New Zealand Member
hello@sydneyvirtualcfo.com
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