Virtual CFO Support for Clarity and Confidence

Strategic financial oversight without the cost of a full‑time CFO.

Reporting & Insight

Numbers only matter if they tell a story. We turn your Xero financial data into board‑ready packs, dashboards, and commentary that give you clarity and confidence. Whether it’s cash flow visibility, project profitability, or grant compliance, you choose the insights that matter most.

Board & management packs

Monthly or Quarterly Profit & Loss, Balance Sheet, Cash Flow, KPIs.

Board Packs provide clear, board‑ready financial visibility. Delivered monthly or quarterly, they consolidate the Profit & Loss, Balance Sheet, Cash Flow, and KPIs into one structured pack with plain‑English commentary.

Instead of raw numbers, they highlight trends, explain variances, and connect operational activity to financial outcomes — giving leaders the clarity and confidence to make informed decisions.

Tracking category reporting

Projects, Programs, Grants, and Funding Acquittals.

Tracking Category Reporting shows how different parts of your organisation perform. By segmenting results across projects, programs, grants, or departments, you gain clarity on resource use and funding outcomes.

For NFPs, it ensures transparent grant acquittals and donor reporting; for SMEs, it highlights which products or services drive profit and which drain cash — giving boards the insight to act with confidence.

Variance analysis vs budgeted

Spot the gaps between plan and actuals, and uncover the drivers behind the differences.

Variance Analysis vs Budget shows how your actual results stack up against expectations. By comparing revenue, expenses, margins, and cash flow to a rolling budget, you see not only where gaps exist but how they evolve over time.

This approach highlights the drivers behind variances — whether timing differences, one‑off costs, or structural shifts — while keeping forecasts continuously updated. Boards and leaders gain a dynamic view of performance, making decisions with confidence based on the most current financial reality.

Benchmarking against peers

Compare your performance to industry, sector, and strategic peers to reveal strengths and gaps.

Benchmarking Against Peers provides context for your numbers by comparing performance to recognised external standards. Utilising sources such as the ATOs Small Business Benchmarks, industry association data, and sector‑specific reports, you can see how your ratios for revenue, expenses, margins, and cash flow stack up against peers. This highlights where your organisation is leading and where competitors have gained an edge.

This perspective moves beyond internal reporting to show how you compare against the wider market. Boards and leaders gain a clearer view of strengths, risks, and opportunities, with ATO benchmarks offering a general baseline, industry data showing operational norms, and sector reports adding strategic context. The result is more confident decisions about growth, investment, and resource allocation.

Cash Flow & Control

For those navigating liquidity pressures or seeking greater visibility. We help you move beyond static reports to dynamic cash flow management. Whether you’re an SME balancing growth with runway, or an NFP tracking grant cycles, our focus is on clarity, foresight, and control.

Rolling cash flow forecasts

Stay ahead of short‑term obligations and long‑term commitments with live projections.

Rolling cash flow forecasts provide a live view of your financial position, helping you anticipate obligations before they become pressures. With continuously updated projections, you gain clarity on inflows and outflows to meet short‑term commitments while protecting longer‑term plans.

This forward‑looking approach shifts cash management from reactive to proactive. With visibility into trends and timing, you can make confident decisions on investment, funding, and operations—knowing liquidity is mapped in real time and aligned with your goals.

Scenario planning (best/worst case)

Model outcomes under different conditions to prepare for volatility and opportunity.

Scenario planning helps you anticipate how different conditions could affect your organisation. By modelling outcomes, you gain foresight into risks and opportunities before they arise.

With structured scenarios mapped against your cash flow, you can test strategies in advance and act with resilience—whether protecting liquidity in a downturn or positioning to seize growth.

Funding runway analysis (SMEs)

Understand how far your capital will take you and when to act on funding options.

Funding runway analysis shows you exactly how far your capital will take you, giving clarity on the time and resources available before new funding is required. By mapping cash flow against growth plans and operating costs, you gain a clear view of your financial horizon.

This visibility helps you act at the right moment—whether securing investment, adjusting expenses, or exploring financing options. With a defined runway, you can plan with confidence and ensure your business is positioned to sustain momentum and seize opportunities.

Grant cash flow monitoring (NFPs)

Align expenditure with grant milestones to ensure compliance and sustainability.

Grant cash flow monitoring aligns funding with program delivery and compliance. By tracking inflows against milestones and expenditure, you gain clarity on how resources are used and when adjustments are needed.

This visibility helps NFPs avoid shortfalls, meet reporting obligations, and sustain operations across funding cycles—ensuring accountability and stability.

Debt management strategies

Balance repayment schedules with operational needs to reduce risk and preserve flexibility.

Debt management strategies help you balance repayment schedules with the realities of day‑to‑day operations. By mapping obligations against cash flow, you gain clarity on how repayments affect liquidity and where adjustments may be needed.

This approach reduces financial risk while preserving flexibility. With structured plans in place, you can meet commitments confidently, maintain stability, and keep resources available for growth.

Strategy & Growth

For organisations ready to move beyond survival. We help you align planning with growth ambitions, ensuring decisions today build toward tomorrow. Whether you’re scaling, raising capital, or preparing for transition, our focus is on resilience, opportunity, and long‑term value.

Business planning & goal alignment

Connect everyday decisions to long‑term outcomes.

Business planning and goal alignment provide a roadmap that links operational choices to strategic objectives. By clarifying priorities, you ensure resources are directed where they matter most.

This structured approach keeps your organisation focused and accountable, helping you measure progress and act with confidence as opportunities arise.

Budgeting & resource planning

Turn strategic goals into actionable financial plans.

Budgeting aligns your resources with your objectives, giving clarity on what’s achievable and when. By mapping income, expenses, and investments against your growth strategy, you gain foresight into constraints and opportunities.

This structured approach ensures decisions are grounded in numbers, helping you act with confidence and keep your organisation on track.

Margin & pricing analysis

Ensure your offerings remain competitive and sustainable.

Margin and pricing analysis reveals where profitability is gained or lost, giving you clarity on the true performance of your products and services. By testing pricing strategies against market realities, you can protect margins without sacrificing growth.

This insight helps you balance competitiveness with sustainability, ensuring your organisation thrives in changing conditions.

Project feasibility reviews

Test ideas before committing resources.

Project feasibility reviews provide structured analysis of viability, timing, and impact. By modelling scenarios and outcomes, you gain clarity on whether initiatives align with strategic goals.

This foresight helps you allocate resources wisely, avoiding costly missteps and ensuring growth initiatives are both intentional and achievable.

Capital raise / funding support

Secure the resources to fuel growth.

Capital raise and funding support provide clarity on when and how to access external finance. By mapping funding needs against growth plans, you gain foresight into timing and options.

This visibility helps you act decisively—whether attracting investors, negotiating terms, or structuring debt—to ensure your organisation has the resources to expand with confidence.

Succession & exit planning

Prepare for transition with foresight and control.

Succession and exit planning ensures your organisation is ready for leadership change or sale. By mapping scenarios and timelines, you gain clarity on risks, opportunities, and value drivers.

This preparation reduces uncertainty, preserves continuity, and positions your organisation to transition smoothly while protecting stakeholder interests.

Ready to get started?

Begin with a Xero Review — the simplest way to understand your books and define the right level of support.

What you will get

Clean, accurate books

Reliable processes

Clear communication

Xero‑aligned workflow

Start With a Xero Review