Virtual CFO Double Bay | Sydney Virtual CFO
A virtual CFO for Double Bay founders at $10M-plus running boutique services and property businesses that need the same reporting discipline as their assets.
Double Bay founders tend to run boutique services and property businesses that have crossed $10M, and at that point a particular question surfaces: the operating business and the founder’s larger financial picture start needing the same reporting discipline, and neither has it. A virtual CFO engagement here brings that discipline to the business, while being clear about where a virtual CFO’s remit ends.
Published: July 2026
The businesses run out of Double Bay skew toward boutique professional services, property, and founder-led operations that have reached real scale, often $10M in revenue and beyond. The founders are frequently juggling a substantial operating business alongside property projects and other interests, and the reporting that served them at $3M has not kept pace.
The observation this page makes is narrow and deliberate: at this scale, the operating business deserves board-grade reporting, and the finance discipline that produces it is often the missing piece. What this page does not do is stray into personal wealth, investment, or asset advice, which is not what a virtual CFO does.
The first is reporting cadence and quality: whether the operating business produces timely, decision-useful reporting, or whether the founder is running a $10M-plus business on numbers that arrive late and mean little. At this scale, stale reporting is a genuine risk.
The second, where a property project sits inside or alongside the business, is feasibility drift: whether the numbers that justified a project still hold as costs and timelines move. The third is the clean separation of the operating business’s performance from the founder’s other interests, so each can be judged on its own terms rather than blended into an unreadable whole.
For a Double Bay founder the natural deliverable is a board-grade reporting pack for the operating business, built around the few numbers that actually drive decisions, or a feasibility tracking model where a property project needs its assumptions held honest. Take a founder with a $12M services business and a property project running alongside: the reporting pack gives the operating business the monthly clarity it has outgrown its old accounts for, and the feasibility model flags that the project’s margin has drifted as build costs rose. Both are decisions the founder can now make on current numbers. This is a fixed 90-Day Number engagement at $17,850 plus GST, yours to run. Feasibility tracking is covered in live feasibility tracking.
Scoped, fixed, finite: one deliverable, ninety days, handed over with a working session, no retainer or auto-renewal. The same approach serves founders nearby in Bondi Junction and Paddington.
A useful virtual CFO engagement in this postcode does not end with a thicker reporting pack. It ends with one artefact the founder can run without us: usually a 13-week cashflow tied to real pipeline and payroll, a unit economics or margin view that changes pricing or hiring, a fundraise-ready model if a raise is inside a year, or a board pack that replaces slide theatre with two or three decisions. The commercial wrapper is fixed: the 90-Day Number is $17,850 plus GST, paid in three instalments, one named deliverable by day 90. No open-ended retainer required to get a finished tool.
If you already have a bookkeeper, keep them. This work sits on top of clean actuals; it does not replace bank reconciliation. If your actuals are not trustworthy, fix the ledger first, then build the decision layer. Nearby founders in linked suburbs face the same shape of problem with different industry textures, use the internal links in this article to compare, then choose the deliverable that answers the question that is actually expensive right now.
Sydney Virtual CFO’s front-door product is the 90-Day Number: one named deliverable in ninety days for $17,850 plus GST, typically paid as three instalments of $5,950. That is deliberately different from the common Australian virtual CFO retainer band often quoted around $3,000-$8,000+ per month open-ended. Project pricing fits founders who need a finished cashflow, model, unit-economics build or board pack they can run, not an indefinite meeting cadence. If you need ongoing fractional CFO after day 90, that is a separate, scoped decision, not an automatic rollover. If you only need bookkeeping, this is the wrong product; keep a bookkeeper and use virtual CFO work for decisions on top of clean actuals.
“We will fix the books after the busy season.” Busy seasons are when bad books cost the most: wrong roster cost, wrong stock margin, wrong tax cash. Fix the system during the busy period in a light-touch way (weekly recs, payroll checks), or the backlog becomes the next crisis.
“Our accountant already does this.” Accountants and bookkeepers do different jobs. Year-end accounts and tax advice are not the same as weekly operational bookkeeping, payroll, and decision-ready monthly packs. Many businesses need both, coordinated.
“We are not big enough.” Payday Super, BAS, GST and employee entitlements do not wait for a headcount milestone. Complexity arrives with staff, inventory, contractors or multiple channels, not with a round number of revenue.
“We tried outsourcing and it was slow.” That is a provider design problem, not a category law. Fixed-scope work, named response standards, and a single owner for your file are the antidote to outsourced silence.
Is Sydney Virtual CFO a family office or wealth manager?
No. We are a virtual CFO service for operating businesses. We are not a family office, wealth manager, or financial adviser, and we do not advise on personal investments or assets. The work is the reporting and financial discipline of your operating business; personal wealth and investment advice belong with a licensed adviser.
Why does reporting discipline matter more at $10M?
Because decisions at that scale are larger and the cost of stale numbers is higher. A business run on reporting that arrives late and lacks focus is making significant calls on a blurred picture. Board-grade reporting, the few numbers that drive the quarter, delivered on time, is what a $10M-plus operating business needs and often lacks.
What is feasibility drift?
When a property or capital project’s economics move away from the assumptions that justified it, as build costs rise, timelines slip, or revenue softens. A feasibility tracking model holds the current numbers against the original case, so drift is visible early rather than at completion when nothing can be changed.
Can you report across my business and my property projects?
A virtual CFO can bring reporting discipline to your operating business and to a specific project’s feasibility, keeping each visible on its own terms. What it does not do is provide investment advice or manage personal assets; those are separate and require a licensed adviser. The remit is the numbers, not the wealth strategy.
Do you handle tax and structuring?
No. Tax and entity structuring are for your accountant. A virtual CFO works on the management reporting and decision economics of the business, and will point structuring questions to your accountant rather than answer them.
What does it cost?
A fixed $17,850 plus GST for one named deliverable by day 90, no retainer. The common Australian alternative is an open-ended monthly retainer at $3,000 to $8,000; the project-based model is deliberately different and rare in this market.
What happens after ninety days?
You keep the reporting pack or feasibility model and run it yourself. There is no default roll-on to a retainer; a further deliverable is scoped separately if needed.
Sydney Virtual CFO is a Sydney-based virtual CFO service for founders running $2M to $15M businesses across SaaS, ecommerce, professional services, construction, and other low-volume, high-value industries. We deliver fixed-scope CFO engagements with a named deliverable on day 90: a 13-week cashflow forecast, a fundraise-ready financial model, a unit economics build, or a board reporting pack you can run on your own.
Our front-door product, the 90-Day Number, is fixed scope at $17,850 plus GST. We are one of the few project-based virtual CFOs in Australia, in a market built almost entirely on monthly retainers. No retainers without a deliverable. No 80-page reports. No theatre.
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This content is general information only, written for Australian founders running businesses in the $2M to $15M revenue range. It does not constitute tax, financial product, investment, or legal advice and should not be relied on as such. The work referenced is led by a Chartered Accountant (CA ANZ), but Sydney Virtual CFO is not a licensed tax agent, not a licensed financial adviser, and not authorised to provide personal financial advice. Tax obligations, accounting treatments, fundraise terms, and statutory requirements depend on your individual circumstances. For advice specific to your business, contact the team directly or consult a registered tax agent, licensed financial adviser, or qualified lawyer. Information was current at the time of publication and may change without notice. We review and update guides periodically.
