How a multi-office consulting firm turned utilisation data into a 6-point margin lift.
- Utilisation 68% → 81%
- Gross margin +6.2pp
- Cash buffer +$1.1m
- Engagement 18 months
Financial clarity for Australia's ambitious businesses.
We partner with owners of SMBs and professional service firms to manage cash flow, improve profitability, and make confident, informed decisions — without the cost of a full-time finance team.
0
SMB Clients
$0
Revenue Overseen
0yr
Average Team Experience
Trusted by owner-led businesses across Australia
Meridian & Co.Professional Services
Harbourline GroupConstruction
Northpoint LegalLaw Firm
Kiora WellnessHealthcare
Bellweather StudioCreative Agency
01 — Services
A complete finance function, without the overhead of hiring one.
Three integrated pillars that cover everything from day-to-day compliance through to strategic decisions at the board table.
Virtual CFO — a strategic partner at the executive table.
Senior finance leadership, embedded in your business on a fractional basis. We build the reporting, forecasting and decision-making frameworks that growing businesses need — without the $300k full-time salary.
- Monthly board packs & management reporting Ongoing
- 12-month rolling cash-flow forecasting Weekly update
- Budget design, variance analysis & KPI frameworks Quarterly
- Lender & investor relations, funding rounds As required
- Board-meeting facilitation & strategic planning Monthly
02 — How we work
A structured engagement, designed to build momentum from day one.
Clear onboarding, predictable cadence, measurable outcomes. Most clients see their first board-grade report within 30 days.
Step 01
Discovery call
A 30-minute conversation to understand your business, financial pain points, and what good looks like 12 months from now.
Step 02
Financial diagnostic
We review your accounts, reporting, tax position and systems. You receive a written diagnostic with specific, prioritised recommendations.
Step 03
Onboarding & setup
We configure reporting, forecasting and close-cycle infrastructure. Your team is introduced to your dedicated Client Partner.
Step 04
Ongoing partnership
Monthly board packs, quarterly strategy reviews, and always-on advice. Your CFO is a phone call — not a retainer request — away.
03 — Industries
Built for owner-led businesses with real operating complexity.
We specialise in service-led and trade-led SMBs where profit margin, cash timing, and compliance all matter.
01
Schools
Board reporting, enrolment forecasting, capital works modelling and finance committee support.
See details →
02
Not-for-Profit
Governance reporting, reserves policy, grant acquittals and ACNC support.
See details →
03
Construction
Job costing, cash flow forecasting and project reporting.
See details →
04
Healthcare
Reporting for clinics, medical centres and healthcare groups.
See details →
05
Childcare
CCS reconciliation, occupancy tracking and reporting.
See details →
06
E-commerce
Margins, inventory, ad spend and financial visibility.
See details →
07
Warehousing
Cost analysis, logistics reporting and financial control.
See details →
08
Manufacturing
BOM costing, production reporting and planning.
See details →
09
Technology
MRR, runway, CAC and investor reporting.
See details →
04 — Results
Numbers that have moved, for businesses like yours.
Aggregate outcomes across client engagements over the last 36 months. Individual results vary — every engagement is bespoke.
0%
Average gross margin improvement within 12 months
0%
Average reduction in debtor days across client base
$0k
Median annual tax saving through proactive planning
0 days
Average month-end close, down from 21
Rebuilding a construction group's reporting after a rapid acquisition, in 90 days.
- Debtor days 48 → 29
- Close cycle Day 21 → Day 8
- Tax saving $112k p.a.
- Engagement Ongoing
05 — Clients
What owner-operators say after working with us.
"The monthly board pack changed how we run the business. We went from reacting to numbers at EOFY to genuinely steering the firm every month."
"Close used to take us three weeks and a lot of panic. Now it's done by day seven, clean, and I can actually trust the numbers I'm signing off on."
"Our tax bill dropped by almost $60k in the first full year. More importantly, we finally have a finance partner who picks up the phone and understands our business."
06 — About us
Meet the team →
A senior team of Australian CAs and ex-CFOs, aligned with your growth.
Our partners have led finance functions at ASX-listed groups, private-equity-backed companies, and family-owned firms. We bring that discipline to SMBs, at a fraction of the cost.
17yr
Avg. team experience
CAANZ
Chartered Accountants Australia & New Zealand
Ramy Hanna, B. Com, FIPA
Founder and Principal
Kim Aguidan, CPA
Client Partner · Accounting
Minh Bui, CA
Chartered Accountant
Sarah O'Donnell, CA
Client Partner · Accounting
07 — Engagement models
Transparent monthly retainers, scoped to your business.
Fixed-fee engagements so you know what you're paying each month. No hourly billing surprises.
Plan 01 · Essentials
Compliance
For businesses that need reliable books and on-time lodgements.
From$1,450
per month · ex GST
- Monthly bookkeeping (Xero / MYOB)
- BAS, IAS & payroll (STP2)
- Annual financial statements
- Company tax return
- Quarterly check-in call
Plan 02 · Recommended
Growth CFO
Compliance + monthly management reporting and strategic CFO support.
From$4,800
per month · ex GST
- Everything in Compliance
- Monthly board pack & KPI report
- 12-month rolling cash-flow forecast
- Quarterly strategy & tax planning
- Direct line to your dedicated CFO
- Lender & investor-ready reporting
Plan 03 · Bespoke
Executive
For businesses approaching transaction, exit, or complex multi-entity change.
From$9,500
per month · ex GST
- Everything in Growth CFO
- M&A, exit & succession advisory
- Multi-entity consolidation
- Board meeting facilitation
- Capital raise & investor relations
- Dedicated partner-level contact
08 — FAQ
Answers to the questions owners usually ask us first.
Still not sure? A 30-minute discovery call is the fastest way to get specific, useful answers for your business.
Book a discovery call →Most businesses turning over $1m+ start to feel it — the bookkeeper is doing bookkeeping, the accountant appears once a year, and the owner is making big decisions without the right numbers in front of them. A Virtual CFO fills that gap for a fraction of a full-time hire.
Absolutely. Many engagements start exactly this way — we add the strategic and reporting layer while your existing team continues day-to-day compliance. Over time, some clients consolidate with us; others don't. Either is fine.
Within the first 30 days you'll have your first board-grade report and a written diagnostic. Most meaningful financial outcomes (margin, cash, tax) show up over 3 – 12 months as the reporting cadence and discipline compound.
Yes. Our partners are Chartered Accountants (CA ANZ) and our firm is a registered tax agent with the Tax Practitioners Board. All advice is provided under full professional standards and indemnity.
Primarily Xero and MYOB, plus QuickBooks Online. For reporting we use tools like Fathom, Syft and Spotlight — whichever suits your business. We won't force you onto a specific stack.
Yes. After the diagnostic we scope a fixed monthly retainer so there are no hourly-billing surprises. If the scope changes — an acquisition, a capital raise, a major restructure — we'll quote that specifically before starting.
09 — Insights
Notes on finance, growth and ownership — from our desk.
The 13-week cash-flow forecast every Australian SMB should run.
A practical template and the three mistakes we see most often when owners try to build one for the first time.
Read →Structuring for exit: trusts, companies and the small business CGT concessions.
Why founders often leave six and seven-figure amounts on the table at sale — and the planning window that matters most.
Read →What belongs in a monthly board pack — and what absolutely doesn't.
The one-page summary, the six charts, and the commentary test we use with every client report.
Read →
10 — Get started
Let's spend 30 minutes on your numbers.
A free, no-obligation consultation with a senior CA. You'll leave with at least two specific, actionable ideas — whether you engage us or not.
- 01 30 minutes with a Chartered Accountant
- 02 Review of your current reporting and tax position
- 03 Written follow-up with recommendations, within 48 hours
- 04 No obligation, no sales script