Virtual CFO in Parramatta

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

Parramatta, Sydney's second CBD, runs on construction, civil, and multi-site services groups billing $2M to $15M, often across several entities. Strong on delivery, with cash trapped in progress claims, retentions, and payroll.

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 Parramatta builder or services group actually runs. No more, no less.
1
A simple 13-week cashflow model
Tied to progress claims, retentions, and subcontractor runs for a builder, or contract billing and payroll for a services group. Five minutes every Monday and you know what is in the bank across the quarter.
2
Three KPIs that drive the week
For a builder, WIP, gross margin per job, and cash against progress. For a services group, gross margin per contract, payroll as a share of revenue, and debtor days. Set to your model, reviewed every Friday.
3
A 12-month budget
The plan you run the year by, with the next project, contract, or crew 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 surety, or yourself in twelve months. No eighty-slide pageantry.
5
Headcount & Capacity Planning
Maps your hiring plan to revenue, cash, and output. Whether the project book supports the next crew, or the contract pipeline supports the next site team. Trigger logic for when you commit.
6
Margin & Pricing
Gross margin where it lives: by job for a builder, by contract for a services group. Pricing and tender scenarios modelled. The numbers behind a real business, not a busy one.
who it's for

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

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

The construction or civil contractor.

You run a commercial, civil, or residential builder out of Parramatta or North Parramatta.

Revenue past $12M at a 16% gross margin, with cash tied up in WIP, progress claims, and retentions, often $400K to $500K held back at once.

The P&L looks healthy while the bank account tells another story.

The multi-site services group owner.

You run a contract cleaning, facilities, or security business across multiple Western Sydney sites.

Revenue around $8M on a thin margin, almost all of it labour, so a single late-paying contract or a wages run can swing your cash hard. Margin per contract is the number nobody tracks.

The professionalising multi-entity group.

You have grown a Western Sydney group past $5M across a few entities or sites, on a capable bookkeeper and your own instinct.

Strong on delivery, with the numbers spread across separate files that never quite consolidate. Ready to stop guessing on hiring, pricing, and cash.
why owners pick this

Why Parramatta 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 Parramatta and Western 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 Parramatta construction and civil businesses?
Yes, they are a core part of the work here. The builders and civil contractors around Parramatta Square, Church Street, and North Parramatta between $2M and $15M tend to hit the same wall: strong revenue, healthy margin on paper, and cash locked in WIP, progress claims, and retentions. The 90-Day Number builds the cashflow that tracks money through the job, not just at the end.
We are a multi-site services group (cleaning, facilities, security). Is this for us?
It is. Western Sydney has a deep cluster of payroll-heavy contract-services groups, and the finance shape is distinct: thin margins, wages going out before contracts pay, and margin per contract that nobody watches closely. We build a 13-week cashflow and KPIs around exactly that.
We run several entities. Can you consolidate them?
Yes, and for a Parramatta group this is often the first job. We build the budget and cashflow at the level you actually run the business, which usually means a consolidated view across entities plus the ones that matter on their own. We confirm the structure in week one.
What does $17,850 +GST buy a Parramatta 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 Parramatta?
Yes. We can meet around Parramatta and Western Sydney 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.
Our cash is tied up in progress claims and retentions. Can a 13-week cashflow handle that?
That is the case it is built for. For a builder, cash sits in work completed but not yet claimed or collected, and in retentions held until practical completion. The 13-week model maps WIP, claims, retentions, and subcontractor runs against payroll, so you see the squeeze before it arrives.
What KPIs make sense for a construction business?
Usually WIP, gross margin per job, and cash against progress, though we set them to your business in week one. The test is three numbers that move revenue, margin, or cash, reviewed every Friday, not a thirty-metric dashboard nobody opens.
We are payroll-heavy and margins are thin. Does this help?
Directly. For a labour-based services group, a small margin slip or a late contract payment hits cash hard because wages do not wait. We measure margin per contract and payroll as a share of revenue, and build both into the cashflow so a thin month does not become a missed wages run.
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
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