Virtual CFO Services
Comprehensive financial leadership for Australian businesses turning over $1M+. No lock-in contracts. Low monthly fee.
Having a CFO Is Not the Same as Having an Accountant
CFOs and accountants work together — the CFO has a different perspective and more closely-focused responsibilities as an internal member of the management team. Because CFOs must be supremely qualified and experienced, they're costly to employ. A small business usually needs a 'real' CFO long before it can really afford to hire one.
Matrix CFO Services is a virtual CFO firm where you can outsource your CFO and accounting needs. We guide you through streamlining your internal controls and processes to aid you in making key business decisions.
How Our Virtual CFOs Can Help You
Cash Flow Management
Deal with cashflow and asset finance, debt planning and reduction, and working capital management. We ensure your business always has the liquidity it needs to operate and grow.
- Deal with cashflow and asset finance
- Debt planning and reduction
- Working capital management
- Manage bank relationships
Cashflow & Business Forecasting
Budget to actual business analysis and forward-looking forecasts. Know exactly where your business is headed so you can make confident decisions about hiring, investment, and growth.
- Budget to actual business analysis
- 12-month rolling cash flow forecasts
- Scenario planning and modelling
- Capital expenditure planning
KPI Meetings & Business Analysis
Weekly and monthly KPI meetings to keep you on track. We help you choose the right KPIs, build the reporting framework, and understand the drivers behind your numbers.
- Weekly/monthly KPI meetings
- Choosing the right KPIs
- Business benchmarking
- Performance driver analysis
Strategic Advisory
High-level strategic financial advice to help you navigate growth, manage risk, and build long-term value in your business — whether you're scaling up or planning an exit.
- Growth strategy and planning
- Raising capital
- Business systems improvement
- Exit planning and value building
Profit & Wealth Advisory
Profit and wealth improving advisory with business benchmarking. We help you understand the true profitability of every part of your business and maximise the value you're building.
- Profit improvement strategies
- Segment profitability analysis
- Wealth building advisory
- Business benchmarking
Board Reports & Financial Reporting
Preparation of board reports and financial reporting that reflects the operational characteristics of your business — giving you and your stakeholders the clarity needed to make good decisions.
- Board report preparation
- Management accounts
- Investor reporting
- Regulatory compliance support
Every Service, Powered by AI
Traditional CFO services rely on manual analysis and gut feel. We layer AI across every engagement — so you get faster insights, fewer blind spots, and decisions backed by data, not guesswork.
Faster reporting
AI-drafted board packs cut prep time from days to hours
Deeper forecasting
Predictive models that update in real time as your data changes
Proactive alerts
Anomaly detection flags issues before they hit your bottom line
Benchmark intelligence
Your KPIs compared against industry peers automatically
AI Analysis Pipeline
Data ingestion
Xero, MYOB, QuickBooks — connected automatically
AI pattern recognition
Models trained on thousands of Australian SME datasets
Anomaly & opportunity detection
Flags risks and growth levers in real time
CFO interpretation
Senior CFO adds context, strategy, and action plan
Board-ready output
Clean reports, forecasts, and dashboards delivered
The 8 Biggest Mistakes Made by Small Business Owners
When a small business is growing, visibility is key to managing profitability and ensuring that growth is sustainable. Too many small business owners start losing track of the true picture of performance once turnover reaches $1M+.
Incorrect profit figures
If your profits vary significantly from one month to the next and you are not clear why, you have little clarity on how you are actually performing.
Poorly structured general ledgers
If your accounts are not structured correctly you will have little chance of preparing meaningful reports.
Poorly constructed financial reports
Reports need to reflect the operational characteristics of the business — if they do not, you will have difficulty understanding the drivers of performance.
Undefined benchmarks
You must have clear targets to measure your performance against — this can be previous year performance or properly constructed forecasts.
Not knowing segment profitability
If you have multiple business lines, sell into multiple markets, or sell through different channels, you must know how each individual segment is performing.
Not understanding cost behaviours
"If you can't measure it, you can't manage it" — few business owners know what to measure and how.
Running out of cash
Managing working capital is very important but it will NOT save a business that is making insufficient profit.
Making commitments that cannot be supported
Many businesses have good growth opportunities but managing growth can be highly risky without a clear financial and operating plan.
Is Your Business Making Any of These Mistakes Right Now?
Act now and get a Matrix VCFO. For just a low monthly fee with no lock-in contracts, it could be one of the best business decisions you've ever made.
Contact Us for Our ServicesNo lock-in contracts. Flexible monthly plans.