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Virtual / Fractional CFO
Senior financial leadership without the full-time overhead. Your ambitions, turned into a practical financial roadmap.
- Monthly advisory sessions
- Budgets & margin analysis
- Growth and funding strategy
Revenue is growing. So why does cash still feel tight?
Stop guessing your runway. Get forward-looking financial strategy, rolling 13-week cash visibility, and clean books from one dedicated Australian team.
Forward Cash Runway
See cash gaps 13 weeks before they hit
Strategic Decision-Making
Know the profit impact before hiring or spending
Boardroom Financial Clout
Senior commercial leadership without a $300k salary
Registered BAS Agent
Australian-based senior team
Built for $1M–$20M+ businesses
Advisorli Authorised Partner
The fractional CFO difference
Stop looking backward. Run your business forward.
A fractional CFO, often called a Virtual CFO, is a senior finance leader who embeds in your business a few days a month. You get the same strategic muscle as a full-time CFO: cash flow forecasting, growth modelling, profit strategy and boardroom-ready reporting, without the $300,000-plus salary.
The foundation
Your bookkeeper
- Records transactions and reconciles accounts
- Lodges BAS, payroll and compliance on time
- Tells you where the money went
- Answers your day-to-day finance questions
What we deliver
Your fractional CFO
- Owns your rolling 13-week cash forecast
- Models growth, pricing and hiring before you commit
- Builds bank, investor and board-ready packs
- Sits beside you in monthly strategy sessions
- Challenges decisions before they cost you
The alternative
A full-time CFO
- $300k+ salary, plus super and on-costs
- One perspective, and hard to scale down
- A long, expensive hire to get wrong
Not sure whether you need a bookkeeper, a CFO, or both? Take the 60-second assessment.
One connected finance team
From daily detail to the decisions that define your next chapter.
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Cash Flow & Modelling
See what's coming before it arrives, with live models built around the decisions in front of you.
- Three-way forecasting
- Working capital control
- Scenario & runway planning
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Management Reporting
Board-ready insight that cuts the noise and gives leaders the confidence to move quickly.
- Executive board packs
- KPI dashboards
- Budget variance tracking
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Bookkeeping & BAS
Reliable day-to-day finance operations, wired into the strategy and backed by our BAS Agent registration.
- Bookkeeping & payroll
- Superannuation
- BAS prep & lodgement
Platform specialists
Specialist Reckon Accounts Hosted support
We are one of the few Australian bookkeeping and advisory firms with deep, native experience in Reckon Accounts Hosted. Whether your business relies on Reckon Hosted day-to-day and needs dependable bookkeeping, or you’re planning a steady path toward modern reporting and cash flow forecasting without disruption, we know the platform inside out.
- Reckon Accounts Hosted
- Xero
- QuickBooks
- MYOB
Advisorli Authorised Advisory Partner
Powered by Advisorli. Delivered by us.
Advisorli is the Financial Operating System for SMEs, connecting straight into Xero, QuickBooks, MYOB and Reckon One, so our advice runs on live numbers, not last month’s exports.
Rolling 13-week cash flow
Spot cash gaps weeks before they arrive.
0–600 Business Health Score
Profitability, liquidity and growth, benchmarked.
Board & lender packs
Investor-ready, with automated variance analysis.
Indicative valuations
See how today’s decisions build enterprise value.
Advisorli · Profit Drivers Control Panel
Who we’re for
Built for the messy middle of growth.
Too complex for basic bookkeeping, not yet ready for a full-time CFO. That’s exactly our zone.
For fast-growing SMEs
Revenue is rising, complexity is following, and every decision carries more weight.
For tradies & field services
Real job, crew and margin visibility, not just a healthy top line.
For multi-entity groups
Reporting that makes sense across businesses, structures and stakeholders.
For founder-led businesses
Control and clarity, without becoming the finance department yourself.
A two-minute sense check
Bookkeeper or Virtual CFO?
Both matter. The real question is whether your challenge today is accuracy, direction, or both.
Tap every statement that sounds familiar.
Australian advice, personally delivered
Andrew & Trevor bring the numbers into the room.
Business by Numbers is an Australian finance partner for ambitious owners who want practical advice, straight answers and a team that sees the whole financial picture.
SydneyNewcastleCentral CoastSutherland ShireAustralia-wide
Registered. Integrated. Accountable.
We’re registered with the Tax Practitioners Board as a Bookkeeper / BAS Agent, so your strategic advisory and day-to-day finance function work as one.
Advisorli Authorised Partner
Business By Numbers Pty Ltd · ACN 679 462 045
Your next decision deserves better numbers