Virtual CFO in Chatswood

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

Chatswood runs on multi-site health groups, engineering and professional services firms, and property businesses around Victoria Avenue and the Pacific Highway towers.

Strong on delivery, light on the forward numbers, especially across several sites or entities. The 90-Day Number builds the forward view your bookkeeper was never meant to own, 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 Chatswood health group or firm actually runs. No more, no less.
1
A simple 13-week cashflow model
Tied to patient and practitioner billing and payroll for a health group, WIP and debtors for a firm, or drawdowns and settlement timing for a developer. Five minutes every Monday and you know what is in the bank across the quarter.
2
Three KPIs that drive the week
For a health group, revenue per practitioner, payroll as a share of revenue, and occupancy. For a firm, utilisation, realisation, and lock-up days. Set to your model, reviewed every Friday.
3
A 12-month budget
The plan you run the year by, with the next site, practitioner, or fee-earner costed against the run rate and entities consolidated. Assumptions you can defend to a board or a bank. Updated monthly, not filed once.
4
A one-page board readout you want to read
Revenue, margin, cash, KPIs, headcount, on a single page. The page you would hand a bank, a partner, or yourself in twelve months. No eighty-slide pageantry.
5
Headcount & Capacity Planning
Maps your hiring plan to revenue, cash, and output. Whether occupancy supports the next practitioner, or the project book supports the next engineer. Trigger logic for when you commit.
6
Margin & Pricing
Gross margin where it lives: by service, practitioner, and site for a health group, by project and engagement for a firm. Pricing scenarios modelled. The numbers behind a real business, not a busy one.
who it's for

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

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

The multi-site allied health or medical group.

You run a medical, dental, or allied health group across several Chatswood and North Shore sites. Revenue $5M to $8M, payroll close to 50% of it, and the levers that decide everything are revenue per practitioner and room or chair occupancy.

The numbers exist per site, but nobody pulls them into a forward view.

‍

The engineering or professional services firm.

You run an engineering, consulting, or advisory firm in one of the Pacific Highway towers. Fee revenue $5M to $8M, the work is steady, but utilisation and lock-up are not tracked, and cash tightens whenever a major client or project payment runs late.

Profitable, with the forward view missing.

The property or development business.

You run a property, development, or real estate business around Victoria and Albert Avenues. Revenue arrives in lumps tied to presales, drawdowns, and settlements, so a strong year on paper can mask months of negative cash.

You need to see the cash across the project, not just at the end.

why owners pick this

Why Chatswood 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 Chatswood and the North Shore, 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

Contact Us

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Frequently Asked Questions

The questions founders ask before signing. Plain-English answers.
Do you work with Chatswood medical and allied health groups?
Yes, they are a core part of the work here. The Victoria Avenue strip and the Pacific Highway towers are full of medical, dental, and allied health groups between $2M and $15M. The recurring gap is the same: the per-site numbers exist, but revenue per practitioner, payroll load, and occupancy are never pulled into one forward view. That is the layer a virtual CFO builds.
We are an engineering or professional services firm in the Pacific Highway towers. Is this for us?
It is. Chatswood has a strong engineering and consulting cluster in the Citadel and Zenith towers. The numbers that matter are utilisation, realisation, and lock-up, and cash tightens when a big project payment runs late. The 90-Day Number gives you a 13-week cashflow and KPIs built around fee-based, project-driven work.
We are a property or development business. Does this fit?
Yes. Property and development income arrives in lumps tied to presales, drawdowns, and settlements, which is exactly why a profitable project can run cash-negative for months. We build the cashflow and budget around your project timeline and funding drawdowns, so you can see the trough and plan for it.
What does $17,850 +GST buy a Chatswood owner?
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 owners need both. We work alongside your accountant, not instead of them.
Do you meet in person around Chatswood?
Yes. We can meet around Chatswood and the North Shore for the kickoff and key sessions, and run the weekly cash and KPI reviews remotely. Most of the work between calls is async. The point is the rhythm, not the commute.
We run several clinic sites. Can you give us site-level numbers?
Yes, and for a Chatswood health group this is usually the first job. We build the budget and cashflow at the level you run the business, which means a consolidated view plus each site, so you can see which locations carry the group and which are dragging. We confirm the structure in week one.
What KPIs make sense for a health group?
Usually revenue per practitioner, payroll as a share of revenue, and room or chair occupancy, though we set them to your group in week one. The test is three numbers that move revenue, margin, or cash, reviewed every Friday, not a thirty-metric dashboard.
We are opening another site. Can you help us decide?
Yes, that is a common reason owners start here. The headcount and capacity module costs the next site against your current occupancy, margins, and cash, so the decision is quantified rather than a hunch. If you later need a deeper expansion model, we scope that separately as a project.
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.
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.
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
ImpactThe 90-Day NumberWhy UsHow To StartAboutFAQsBlog