Fractional Finance Team

A fractional CFO focuses on strategic financial leadership — cash flow forecasting, financial modelling, scenario planning, capital raising, investor reporting, business structuring, and board-level financial advice. A regular accountant typically focuses on compliance: tax returns, BAS, and historical reporting. If you're growing quickly, preparing for investment, or making major business decisions, a fractional CFO provides the forward-looking strategic insight that compliance accountants are not designed to deliver.

The fractional model is most valuable for startups scaling rapidly and needing investor-ready financials, established SMEs that have outgrown their bookkeeper but can't justify a full-time CFO, businesses preparing for a capital raise, acquisition, or sale, companies with complex multi-entity or multi-currency structures, and e-commerce businesses with high transaction volumes requiring dedicated financial oversight. Essentially, any business that needs more than compliance accounting but isn't ready for full-time finance hires.

Our fractional team includes four core roles: the Fractional CFO, who provides senior financial leadership and strategy; the Financial Controller, who manages day-to-day accounting operations and reporting; the Bookkeeper, who handles transactional accounting and reconciliations; and the Financial Analyst, who performs data analysis, KPI tracking, and investment modelling. You can engage one, two, or all four roles depending on your current needs and budget.

A full-time CFO in Australia typically commands a salary of $200,000–$350,000 per year plus superannuation, benefits, and recruitment costs. A full-time Financial Controller adds another $120,000–$180,000. With our fractional model, you access the same calibre of professionals for a fixed monthly fee that reflects only the hours and roles you use — typically 70–85% less expensive than the full-time equivalent, with no recruitment risk, training costs, or long-term employment obligations.

We use secure, encrypted cloud platforms with strict role-based access controls. All team members sign confidentiality agreements, and access to your financial systems is restricted to only the individuals who need it for their specific role. We comply with Australian Privacy Act requirements and use platforms like Xero and secure client portals that maintain detailed access logs. Your financial data is treated with the same security protocols as any regulated financial services environment.

Yes — this is one of the primary advantages of the fractional model. If you're going through a period of rapid growth, a fundraising round, or an acquisition, we can increase the level of CFO or analyst support. If business slows or you bring certain functions in-house, we scale back accordingly. There are no lock-in contracts or redundancy costs. You adjust the engagement with one month's notice.

Yes. Our fractional CFOs are active participants in your leadership team — attending monthly management meetings, presenting financial performance to your board or investors, and contributing to strategic planning sessions. They act as a genuine member of your executive team, not an external consultant who sends reports from a distance. The depth of involvement is tailored to your structure and cadence.

Monthly deliverables typically include a full management reporting pack (P&L, balance sheet, cashflow statement, and KPI dashboard), a variance analysis comparing actuals to budget or forecast, a rolling 12-month cashflow forecast, an updated 90-day financial outlook, and a strategy summary from the CFO. You'll also have a monthly check-in call and direct access to your team via email and a shared communication channel throughout the month.