Fractional CFO services

Virtual CFO services in Brisbane, without the full-time salary.

Fractional CFO support for Brisbane businesses growing past the point bookkeeping alone can answer the strategic questions. Cash flow, forecasting, board reporting, and capital decisions, handled by Chartered Accountants.

Book a consultation 07 3399 2300

CA ANZ Chartered Accountants
Fixed-fee monthly engagement
Boardroom-ready reporting

EEA Advisory virtual CFO presenting financial forecasts to a Brisbane business owner

Sound familiar?

When the business has outgrown its bookkeeper, but cannot yet hire a CFO.

You are making seven-figure decisions on a spreadsheet your bookkeeper put together yesterday.
Cash flow is tight at the end of every quarter, even though revenue keeps growing.
The bank, an investor, or a buyer is asking for reporting that simply does not exist.
There is a stage in growth where the numbers need a finance leader in the room, but the business cannot yet support a full-time CFO at $250k+. A virtual CFO bridges that gap with the seniority of a CFO and a fraction of the cost.

What is included

CFO-grade outputs, on a fractional engagement.

We work to a defined monthly cadence with deliverables agreed upfront. You always know what you are paying for and what is coming when.

EEA Advisory virtual CFO leading a financial planning session

Monthly management accounts

A clean, board-ready P&L, balance sheet, and cash flow with commentary on variances, trends, and what needs attention.

Rolling cash flow forecast

13-week and 12-month rolling forecasts updated each month so funding gaps and surpluses are visible early.

Budgeting and re-forecasting

Annual operating budgets, monthly re-forecasts, and scenario models for capital, hiring, and growth decisions.

KPI dashboards

The three to five operational and financial metrics that actually move your business, tracked monthly with targets.

Capital and finance support

Bank introductions, finance applications, equipment finance, and growth funding negotiations on your behalf.

Pricing and profitability reviews

Customer, product, and channel margin analysis with pricing model recommendations that protect or expand your margins.

Board and investor reporting

Monthly or quarterly board packs to a standard external investors, banks, and partners actually trust.

Strategic finance meetings

Monthly meetings with the founder or management team, with structured agendas, recorded actions, and follow-through.

How we work

From kick-off to first board pack, in thirty days.

01
Discovery
A call to understand the business, the growth stage, current reporting, and where finance leadership is most needed.
02
Diagnostic
A paid two-week diagnostic across financials, reporting, and systems. You receive a written summary and a draft engagement plan.
03
Engagement design
We agree the monthly cadence, deliverables, KPIs, and stakeholders. Fixed fee, written engagement letter, no time-and-materials drift.
04
Standing rhythm
The CFO function is in place: monthly accounts, forecasts, board reporting, and a recurring management meeting in your calendar.

Virtual CFO guide

How a virtual CFO works for Brisbane businesses.

A virtual CFO gives a growing business senior finance leadership for part of the month instead of a full-time executive salary. Here is what that looks like in practice.

Virtual, fractional or part-time CFO: what the terms mean

The three terms describe much the same thing: a qualified finance leader engaged for a set number of days or deliverables each month, rather than employed full time. "Virtual" refers to how the work is delivered, mostly through cloud accounting and video meetings. "Fractional" refers to how it is resourced, a fraction of a full-time role.

We work both ways. Brisbane and Redlands clients often have us onsite for the monthly management meeting and remote for the rest. Clients elsewhere in Australia work with us entirely online.

Signs your business is ready for a CFO

Most businesses do not need a CFO from day one. The need usually appears when the business grows faster than its reporting. Common signs:

Revenue is growing, but cash is still tight at the end of each quarter.
Your bank is asking for forecasts, covenant reporting or a finance application you cannot easily produce.
You are planning to raise capital, buy another business or open a new location.
You now run more than one entity, and nobody sees the consolidated picture.
Margins are slipping and you cannot say which jobs, products or customers are responsible.
You want to sell in the next few years and need the numbers to stand up to a buyer's due diligence.

What the first 90 days look like

Month one is the diagnostic. We review your chart of accounts, reporting, systems and cash position, and agree the KPIs that matter. Month two produces the first full management pack and a rolling 13-week cash flow forecast. By month three you have a budget for the rest of the year, a KPI dashboard, and a standing monthly meeting where decisions are made against the numbers.

Planning cash flow around the Australian tax calendar

A large share of a business's cash outflows is set by the tax calendar: BAS and PAYG instalments each quarter, PAYG withholding, the annual tax bill and, since 1 July 2026, super paid with every pay run under Payday Super. A virtual CFO builds these into the forecast so they are planned for, not discovered.

Because we also handle tax planning and bookkeeping, the forecast reflects your actual tax position, not an estimate made by someone outside the business.

Working with your bank and investors

Lenders want reliable monthly reporting, forecasts they can test, and early notice when a covenant is under pressure. We prepare finance applications and information packs, attend bank meetings with you, and report against covenants each month. For investors and boards, we prepare packs to a consistent standard so the conversation is about decisions, not about whether the figures are right.

Virtual CFO or business advisory?

A virtual CFO is an ongoing monthly role with standing deliverables. Business advisory suits a defined project, such as a pricing review, a structure change or preparing for sale. Many clients start with an advisory project and move to a CFO engagement once they see the value of regular, decision-ready reporting.

EEA Advisory virtual CFO reviewing performance with a Brisbane management team

Why EEA Advisory

A finance leader who already knows how your tax and books work.

Chartered Accountant CFOs: CA ANZ qualified, not generic consultants. The recommendations come with the discipline of professional accounting standards.
Integrated with bookkeeping and tax: When the same team runs your books, BAS, tax planning, and CFO function, the reporting stays clean and the decisions stay informed.
Brisbane and Australia-wide: Onsite or video, weekly or monthly. We adapt the cadence to how you want to work, in Brisbane and across Australia.
Outcomes, not seat-warming: Engagements are scoped around the decisions you need to make next, not the hours someone needs to bill.
Independent of any product: No commissions, no kickbacks. We recommend systems, banks, and finance products only where they genuinely fit.
Capalaba based, scaled access: Our base is The Hub at Capalaba. Engagements are delivered onsite for Brisbane clients and via secure cloud for clients elsewhere.

FAQ

Questions we hear most often.

Have a question that is not here? Call 07 3399 2300 or book a consultation and we will answer it directly.

When does a business need a CFO?

Most owner-operated businesses benefit from CFO-level thinking once revenue passes $2-3m, especially if there is staff growth, a finance application, an external investor, or an acquisition in play. Below that, advisory or bookkeeping with strong reporting usually covers the gap.

What is the difference between a virtual CFO and a bookkeeper?

A bookkeeper records what has happened. A CFO interprets it and decides what should happen next. A virtual CFO sets the budget, owns the forecast, sits in front of the bank, and is accountable for the financial direction of the business. The bookkeeper feeds the CFO with clean data; both roles are needed.

How is this priced?

Virtual CFO engagements are quoted fixed-fee after the diagnostic, with the monthly cadence and deliverables written down. Most engagements fall into a band based on revenue, complexity, and the number of stakeholders you need reporting for. There are no surprise hourly bills.

Can we trial CFO services before committing?

Yes. The paid diagnostic at the start of every engagement is effectively a two-week trial. You get a written diagnostic and a draft engagement plan. If you decide not to proceed, you keep the diagnostic and use it however is helpful.

Will my bookkeeper still be involved?

Yes. The CFO function relies on a working bookkeeping rhythm. We can take over bookkeeping if you would like one team to do both, or we can work alongside your existing bookkeeper. Either way, we set the standard the books need to meet so the reporting is reliable.

What accounting systems do you work with?

We work mainly in Xero, and also support MYOB and QuickBooks Online. We need access to your accounting file and your bank feeds, and we connect to the job, inventory or point-of-sale systems you already use rather than asking you to change them.

Do you work with businesses outside Brisbane?

Yes. Our office is at The Hub in Capalaba, and we work onsite with businesses across Brisbane and the Redlands. Clients elsewhere in Australia work with us remotely through cloud accounting and video meetings, with the same monthly deliverables.

Do you sit on my board?

We attend board meetings as the external finance lead and prepare the board pack, but we do not take director seats. We can also act as company secretary if formally appointed.

Related services

Ready for finance leadership without the full-time hire?

Book a consultation. We will tell you honestly whether the business is at a stage where a virtual CFO will pay for itself, and what the engagement would look like.