Virtual CFO for Property & Development in Sydney

Your numbers in 90 days. Fixed scope, fixed price, then it stops.

Property and development cash arrives in lumps, drawdowns, presales, and settlements, while costs run every week, so a profitable project can sit cash-negative for months.

The 90-Day Number builds the forward view that tracks cash across the project and the group, and hands it over on day 90.
See if you're a fitBook a 30-min intro
Senior finance for $2m-$15m Sydney businesses. The work is led by Chartered Accountants, with experience across public, private, and owner-led businesses.

Every virtual CFO sells a retainer. We sell a deliverable.

$17,850

+ GST
That is $5,950 a month for three months, then it stops. Fixed. No retainer pressure after day 90.
what's included

Four deliverables. Two modules. One fixed price.

Everything that lands in your hands by day 90, built around how a property or development business actually runs. No more, no less. Scope-creep proof.
1
A simple 13-week cashflow model
Tied to drawdowns, presales, settlements, and trade payments, across the project and the entity. Five minutes every Monday and you know what is in the bank across the quarter.
2
Three KPIs that drive the week
Usually project margin, cash against the drawdown schedule, and presales or settlement progress, set to your projects. Reviewed every Friday, not a thirty-metric dashboard.
3
A 12-month budget
The plan you run the year by, across projects and entities, with the next site or acquisition costed against cash. Assumptions you can defend to a financier. Updated monthly, not filed once.
4
A one-page board readout you want to read
Revenue, margin, cash, project status, headcount, on a single page, consolidated across entities. The page you would hand a financier, a partner, or yourself in twelve months. No eighty-slide pageantry.
5
Headcount & Capacity Planning
Maps your team and overhead to the project pipeline and cash. Whether the pipeline supports the next hire or the next project's holding costs. Trigger logic for when you commit.
6
Margin & Pricing
Maps your team and overhead to the project pipeline and cash. Whether the pipeline supports the next hire or the next project's holding costs. Trigger logic for when you commit.
who it's for

Built for $2M to $15M property and development owners past instinct, short of a CFO.

Three profiles where the 90-Day Number consistently lands here.

The residential or commercial developer.

You run a development business across one or more projects.

Revenue arrives in lumps tied to drawdowns, presales, and settlements, so a strong feasibility can still mean months of negative cash and a real squeeze if a settlement slips or a build runs long.

The real estate agency.

You run a sales and property management business.

Revenue near $4M, but sales income lands in commission and settlement lumps while the rent roll is steadier, so a quiet quarter for listings can hide behind a good year and catch you out on cash.

The property or investment group.

You have grown a group past $5M across several entities and projects, on a capable bookkeeper and instinct.

The numbers sit in separate files that never consolidate, so you cannot see the group's true cash position or which project is carrying the rest.

why owners pick this

Why property and development owners pick this over an indefinite retainer.

Four reasons the structure of the 90-Day Number works where the standard virtual CFO retainer does not.
A 90-day decision point
The standard offer is an open-ended retainer at $4K to $8K a month with no end date. You sign on in March, cannot tell if it is working by July, feel awkward cancelling by September. This ends on day 90 by design. You decide what is next: continue, project work, or wrap with the four deliverables.
One fixed price, on the page
$5,950 a month for three months. $17,850 total, fixed. Not "from $X", not "$300 an hour", not "scoped after a discovery call". You price your range to a margin and a landed cost. You should expect a CFO to price their own work.
One named CFO, every week
Same person on day one, day forty-five, day ninety. Not a roster, not an account manager between you and the senior. You meet your CFO on the intro call and they run the engagement. Founder-direct, no layers.
Four documents, not eighty slides
We hand over the cashflow model, the three KPIs, the budget, and the one-page board readout. If it does not fit in those four documents, it is not strategic finance. It is theatre.
If your virtual CFO can't tell you the deliverable on day 90, you don't have a virtual CFO. You have a retainer.
how to start

Four weeks to a finance function. Twelve more to operate it.

Book a 30-minute intro. We talk through your stage, your numbers, and what you are trying to work out.

We can meet in person around Sydney, or over a call.If the 90-Day Number is a fit, we send a scoping doc within 48 hours and start the following Monday.

The diagnostic lands at the end of week one. The model is working by week four. The board readout is in your hands on day 90.
Book a 30-min intro

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Frequently Asked Questions

The questions founders ask before signing. Plain-English answers.
Do you work with developers, real estate agencies, and property groups?
Yes, they are a core part of the work. The pattern repeats across Sydney property businesses between $2M and $15M: lumpy cash tied to drawdowns, presales, and settlements, against costs that run every week. That forward view, across the project and the group, is what a virtual CFO builds.
What KPIs make sense for a property or development business?
Usually project margin, cash against the drawdown schedule, and presales or settlement progress, though we set them to your projects in week one. The test is three numbers that move revenue, margin, or cash, reviewed every Friday.
What does $17,850 +GST buy a property business?
Three months of senior virtual CFO work and four named deliverables: a 13-week cashflow model, three KPIs, a 12-month budget, and a one-page board readout. Plus two modules, headcount and capacity, and margin and pricing. Fixed price, billed as three monthly payments of $5,950, then it stops.
How is this different from my accountant?
Your accountant handles the backward view: tax, structuring, compliance, year-end. We handle the forward view: cashflow, budget, KPIs, the decisions in front of you this quarter. Most operators need both. We work alongside your accountant, not instead of them.
Our cash is tied to drawdowns, presales, and settlements. Can a 13-week cashflow handle that?
That is the case it is built for. Costs run weekly while income arrives in lumps tied to the funding and settlement schedule. The 13-week model maps drawdowns, presales, and settlements against trade and holding costs, so you can see the negative-cash stretch and fund it deliberately.
We run several projects and entities. Can you consolidate them?
Yes, and for a property group this is often the first job. We build the cashflow and budget as a consolidated group view plus each project and entity, so you can see the true position and which project is carrying the rest. We confirm the structure in week one.
How do you handle project cash versus entity cash?
We keep them separate and visible. Cash that looks available at the group level can be committed to a project mid-build, so we show project cash against group cash, and you stop mistaking one for the other.
We are weighing the next site or acquisition. Can you tell us if we can fund it?
Yes, that is the core of the headcount and capacity module and the budget together. We model the holding costs, finance, and cash the next project needs against your current commitments, so you can see whether you can fund it without stalling a live one.
Do you give property investment advice?
No. We are your virtual CFO for the operating finance of the business: cashflow, budget, project margin, and the board readout. We are not a licensed financial adviser and do not provide investment advice. Investment and financial product advice should come from a licensed adviser.
What happens after day 90?
You have the four deliverables and a working operating rhythm. We have a short conversation about what is next, with three honest options: continue on an optional monthly retainer with no lock-in, take on a scoped project, or wrap with the deliverables and stay in touch.
We have outgrown the bookkeeper but cannot justify a finance hire. Is this the in-between step?
Yes, that is the exact gap. A full-time finance lead at this stage is a $200K to $300K commitment with super, leave, and recruitment on top. This builds the layer that hire would own, hands it over documented, and leaves you running it for a fixed $17,850.
Is there a lock-in or minimum term?
No. The 90-Day Number is fixed at $17,850 +GST and ends on day 90. It does not auto-renew. If you continue afterwards, that is month to month with no lock-in either. You decide what is next, not a contract.
Pitt Street, Sydney
Chartered Accountants Australia & New Zealand Member
hello@sydneyvirtualcfo.com
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