Senior finance leadership without the full-time cost
A Virtual CFO gives your business access to the financial leadership, strategic planning, and commercial insight that a full-time Chief Financial Officer provides - without the $250k+ salary. You get a senior advisor who knows your numbers, sits down with you regularly, and helps you make decisions with confidence
Most small to mid-sized businesses reach a point where their bookkeeper keeps things compliant and their accountant handles tax - but nobody is looking at the bigger picture. Nobody is forecasting cash, stress-testing pricing decisions, or building the dashboards that tell you what is actually happening in the business
That is the gap a Virtual CFO fills. Not compliance. Not data entry. Strategy, modelling, and accountability - delivered by someone who has done it before, across hundreds of businesses
What a Virtual CFO actually does
Cashflow forecasting and scenario planning
Live 3-way forecasting models built in Xero and Fathom. Not static spreadsheets. See where cash is going, when it gets tight, and what levers you can pull before problems arrive
Management reporting and dashboards
Custom dashboards that show the numbers that actually matter to your business. Revenue by segment, margin by service line, cost trends - presented monthly in language you understand
Strategic financial planning
Annual budgets, quarterly reviews, and rolling forecasts that connect your financial goals to operational reality. We help you plan ahead. Not just report on what already happened
Best for
What is included
The full scope of your Virtual CFO
Pricing and margin analysis
We model your cost base, analyse margins by product or service line, and help you set pricing that protects profitability as you scale
KPI frameworks
Define the metrics that drive your business, build the tracking systems, and review performance each month so you know whether you are on track or drifting
Bank and lender liaison
Prepare lending applications, manage bank relationships, present financials in the format lenders need, and negotiate from a position of clarity
Board and management reporting
Monthly board packs, variance analysis, and commentary that gives directors and stakeholders the information they need to make decisions
Systems and process improvement
Audit your finance workflows, identify where manual work can be automated, implement the right apps, and build processes that scale with your team
Business coaching and accountability
Regular sit-downs where we review the numbers together, challenge your assumptions, celebrate wins, and keep your financial goals on track. A strategic partner, not just a report
Getting started
How our Virtual CFO engagement works
Discovery and financial health check
- we review your Xero file, existing reports, and current financial position
- identify gaps in reporting, forecasting, and financial controls
- understand your goals - growth targets, exit plans, cash requirements, pain points
- deliver a written assessment with prioritised recommendations
Build your financial infrastructure
- set up live dashboards and management reports in Fathom or Xero
- build your cashflow forecast model - 12 month rolling, updated monthly
- establish KPI tracking for revenue, margins, and operational efficiency
- create your annual budget framework and quarterly review cadence
Monthly CFO meetings
- 60-minute structured meeting each month with your senior advisor
- review actual vs forecast performance, identify variances and actions
- update cashflow projections and scenario models
- strategic discussion on upcoming decisions, risks, and opportunities
Ongoing support and accountability
- ad-hoc support between meetings for urgent questions or decisions
- quarterly deep-dives on pricing, capacity, and growth planning
- annual review and strategy reset aligned with your business cycle
- coordination with your accountant, lawyer, and other advisors
Why Digit
Not consultants. Partners
Most Virtual CFO services hand you a report and wish you luck. We sit inside your systems, work with your data, and stay accountable for outcomes. Not just deliverables
Get in touch25+ years hands-on experience
Our advisors come from corporate finance, technology, and management accounting. They have implemented what they recommend. Not read about it in a textbook
Connected to your accounts
Because we also handle bookkeeping and payroll for many of our clients, your CFO advisor has real-time access to your numbers. Not a stale spreadsheet from last quarter
Cross-industry perspective
We work with businesses from construction to professional services to ecommerce. Patterns that work in one industry often solve problems in another
Technology-led, not tool-agnostic
We recommend specific apps and integrations - Xero, Fathom, Dext, Pinch. If we suggest a tool, we configure it for you. No vague advice to "use technology better"
Works alongside your accountant
We are not replacing your tax accountant. We work alongside them - handling the forward-looking strategy while they handle compliance and tax
A fraction of the cost
A full-time CFO costs $250k+ before on-costs. Our Virtual CFO service starts from a fixed monthly retainer and scales with your needs
Frequently asked questions