Make Cash
Predictable

Fractional CFO & Built-In Finance Team for Scaling Australian Businesses.

We step in at the operational coal face. Whether you just need strategic CFO guidance or a complete, plug-and-play finance department, we scale to fit your business—without the full-time overhead.

  • Look through the windshield, not the rearview
  • Zero corporate fluff
  • We build the system, empower your business, and scale with you
Book a Call
CFO Copilot advisory team — strategy session

What we do?

From Incorporation to CFO — Built for Founders Launching and Growing Their Businesses.

Real-Time Virtual CFO

Make smarter decisions with tailored financial guidance and real-time insights.

Accounting

Accurate, compliant bookkeeping tailored specifically to your business model.

Full Tax Compliance

Compliance and reporting. Stay on top of regulations and avoid stress completely.

Budgeting & Forecasting

Growth-focused forecasts and smart budgets to keep your company on track.

Cash Flow & Runway Management

Know exactly how long your cash will last and what actions extend your runway.

Fundraising & Investor Reporting

Prepare for funding rounds with investor-ready financials and clear reporting.

Proof, Not Promises

30+ Years of CFO Experience, In Your Corner

ASIC data shows poor financial management and cash flow problems account for over 63% of small business failures in Australia. Businesses that engage strategic financial oversight early make better decisions, manage cash more confidently, and outlast those that don't.

You are provided with personalised financial and operational help to manage and grow your business.

Our clients span biotech, digital health, services, manufacturing, civil, construction, FMCG, and technology. All of which have trusted us to expand their operations.

Meet the Team
5-year survival rate — Australian SMEs with CFO Pilot support
Pricing

Clear, Scalable Plans

Built for growing businesses. No hidden fees.

Essentials

Clean books on autopilot.

$ 550 /mo

based on reasonable transactions

  • Monthly reconciliation
  • P&L + Balance Sheet
  • Alerts
  • Month-end close procedures
  • General reporting
Select Plan

Software license paid by client

Most Popular

Growth

Financial backbone for teams.

$ 1,450 /mo

from

  • Everything in Essentials
  • AP management
  • Payroll
  • BAS preparation
  • General journals
  • Monthly CFO reviews
Select Growth

Strategic

Leadership for efficiency.

$ 2,500 /mo

from

  • Unlimited CFO calls
  • Forecasting & models
  • Cash flow optimisation
  • Board reporting
  • KPI design and tracking
  • Investor readiness
Select Plan

Legal

Risk mitigation and compliance.

$ 750 /mo+

as required or monthly

  • Commerce
  • Employment / Contractors
  • Compliance
  • Corporate governance
  • Agreements
  • Entity Structure
Select Plan

People & HR

Your people infrastructure.

$ 650 /mo+

as required or monthly

  • Headcount modeling
  • Employment / Contractors
  • Compliance
  • Recruitment
  • Re-organisation
  • Policies
Select Plan
Build Your Own

Choose What You Need

Financial backbone for teams.

$ custom /mo

Mix and match, or add your own. Including:.

  • Strategic Planning Sessions
  • Business Valuations
  • Automation & Systems Integration
  • Tax Strategy
  • On Call Advise
  • Loads More.....
Your CFO Plan

Who We Work With

Supporting founders at every stage of growth.

  • Startups & Early-Stage Ventures
  • Scale-ups & Growth-Stage Companies
  • SMEs ($1M–$50M revenue)
  • Family-Owned Businesses
  • Joint Ventures
  • Private Equity

Industries

Deep experience across high-growth and regulated industries.

Biotech & Life Sciences Digital Health & MedTech Technology & SaaS Professional Services Manufacturing Civil & Construction FMCG Property & Development Education & Training R&D & Deep Tech Fundraising & Impact

A Unified Path to Predictable Growth

By mixing strategic guidance with scalable systems, CFO Copilot delivers the precision, control, and efficiency your business needs to grow.

Book a Call

Real-Time Financial Insights

Access up-to-date financial data to make informed, strategic decisions without waiting for month-end reports.

Tailored Financial Guidance

Get personalised strategies to manage cash flow, budgeting, and forecasting tailored to your exact business needs.

Streamline Financial Operations

Simplify processes, reduce errors, and boost efficiency with expert support handling the heavy lifting.

Transparent Pricing

Clear, upfront pricing with no hidden fees — know exactly what you pay for, every single month.

Scalable Financial Systems

Designed to support growing businesses with accurate forecasting and clear insights that scale with you.

Fully Remote Process

All services delivered remotely — fast onboarding, digital tools, and seamless virtual support anywhere in Australia.

FAQ

Frequently Asked Questions

Everything you need to know about CFO Copilot.

A Fractional CFO provides high-level financial strategy, forecasting, and decision-making support on a part-time or flexible basis.

While traditional accountants focus mainly on recording transactions and compliance, a Fractional CFO helps you understand your numbers in real time, forecast cash flow, improve profitability, and make better strategic decisions.

At CFO Copilot we deliver both strategic advice and hands-on execution — including full accounting and bookkeeping services when you don’t have an accountant in place.
We primarily support Australian startups and growing SMEs that need professional finance support but aren’t ready for (or don’t want) a full-time CFO or finance team.

Whether you’re scaling operations, raising capital, managing cash flow, or simply need reliable financial clarity, we provide tailored fractional or fully outsourced finance teams.
It depends on your current setup.

If you already have a good accountant or bookkeeper, we work alongside them and focus on strategy, forecasting, and reporting.

If you don’t have one, we can provide full accounting and bookkeeping services as part of your engagement — giving you a complete outsourced finance solution.
Our services are fully tailored. They typically include:
  • Cash flow forecasting & scenario modelling
  • Budgeting and financial reporting
  • Management accounts and KPI dashboards
  • R&D Tax Incentive claims and grant support
  • Funding readiness and investor reporting
  • Strategic financial advice
  • System and automation including AI intergration
  • eCommerce, legal, tax, and HR support
  • Day-to-day accounting & bookkeeping (where required)
  • Fully outsourced finance team (part-time or full-time)
Extremely flexible. We can support you from just a few hours per week (Fractional CFO) up to a complete outsourced finance team on a part-time or full-time equivalent basis.

Engagements are month-to-month with no long lock-in contracts, so you can scale support as your business grows.
Pricing depends on the scope and level of support required. Most clients start between $2,500 – $9,000+ per month.

We will provide a clear, no-obligation proposal after our free discovery call.
You already have started, next book the 30-minute online meeting or simply give me.

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