Your finance function, reimagined
We don't just report. We decide, then show you the value we added.
A monthly board pack that says what to do next, sized in your own dollars. Every call we make is tracked against what the numbers actually did.
You shouldn't be finding out about a cash problem in month three.
- A few hours to set up
- Signed by a real advisor
- From $2,500/month
No email gate on the sample. The call is 20 minutes, no prep.
The problem
You're not short on numbers. You're short on decisions.
It usually shows up as cash. But cash is the symptom. By the time it's tight, the real issues have been building for months: margin slipping a point at a time, growth adding work faster than it adds profit. Your bookkeeper records what already happened. Your accountant arrives after quarter-end. Both look backward, and that's exactly their job. The gap is that nobody's turning those numbers into decisions, forward.
Working harder for the same result.
Revenue's up; the balance isn't. Margin slips a point at a time, and nothing in the monthly reporting shows which contracts, customers, or products actually make money.
Big calls, without the numbers.
Take the $800k contract? Add the headcount? Fund the expansion? At $5M these calls get expensive, and they land weeks before the reporting catches up.
No one looking forward.
Backward-looking books tell you where you've been. Nobody's modelling where you're headed, so the edge only becomes visible once you're at it.
The evidence
The data agrees. It's rarely just cash. The two most common reasons Australian businesses fail sit side by side:
of company failures cite inadequate cash flow. The No. 1 cause.
ASIC insolvency statistics
cite poor strategic management. The No. 2 cause.
ASIC insolvency statistics
a year the average small business runs cash-flow-negative.
Xero Small Business Insights
businesses don't reach their fourth year of trading.
ABS business counts
Sources: ASIC annual insolvency statistics & REP 645; Xero Small Business Insights; ABS Counts of Australian Businesses (8165.0).
The conventional route
So you need finance leadership. The usual way to get it is expensive.
Someone has to turn the numbers into decisions. The standard playbook is to bolt on headcount, so cost and organisation chart grow before the clarity does.
Full-time CFO
salary + on-costs
Financial controller
salary + on-costs
Fahy Advisory
all in, no headcount
Salary ranges are indicative Australian market rates for the role, before on-costs, recruitment, and management time. Our range spans the Reporting and Advisory tiers.
Below ~$10M, a full-time CFO is a six-figure salary for a part-time need.
What you actually get
A decision looks like this.
Not "monitor your receivables." An actual call, sized in your own dollars, with the reasoning attached, and revisited next month to see whether it worked.
From the June pack · Decisions
CashMove your three largest slow payers to 14-day terms this month.
- Why now
- Debtor days moved 47 → 58 over two months. Those three accounts are 61% of the balance over 60 days.
- Worth
- $180,000 released, roughly six weeks of payroll cover.
- Owner
- You, with your bookkeeper. Two conversations.
Next month, in the Decision Ledger: "Actioned on two of three accounts. Debtor days 58 → 51. $121K released against a $180K target. Chase the third."
Why it's built this way
-
Sized in dollars
Every recommendation carries a number, so you can rank it against everything else competing for your attention.
-
Someone owns it
A decision without an owner is a wish. Each one names who's doing it.
-
It gets followed up
Next month we show what it moved, including the calls that didn't land the way we expected.
Illustrative example using demo figures. Yours come from your own ledger.
Proof, not promise
See a real report, in your industry.
A monthly board pack built from realistic demo data. Pulse strip, Decision Ledger, an Engagement Scorecard tracking value added since day one, strategic position, cash forecast scenarios, benchmarks, and the decisions for the month ahead. We work with all industries, and every pack is calibrated to the business in front of it.
Bayside Constructions — August 2026
Retention and work-in-progress tracked as standard, job-level margin, progress-claim discipline, and the statutory payment exposure a builder actually carries.
Download this sampleNo email gate. Free to download and share.
Meridian Studio — August 2026
Revenue and gross profit per head, billable utilisation, proposal win rate, and the client-concentration risk that comes with a handful of large accounts.
Download this sampleNo email gate. Free to download and share.
These two are examples, not the limit. We work with all industries. Your benchmarks, the operational measures we track and the language we use are all calibrated to the business you actually run. If your industry has a number that matters and these samples do not show it, that is a conversation, not an obstacle.
Your numbers
What could we help you find?
Set your revenue for a rough sense of the size of the prize. It's the shape of the arithmetic we'd run properly once we can see your actuals.
On industry averages, these three areas are typically worth
$340K – $490K
That's 7× to 10× a full year of Advisory at $48,000.
$274K
Cash freed from your debtor book
Paid around 10 days sooner
$100K
Extra profit
Net margin up one point
$40K
Overhead saved
2% off your overhead line
Three areas, and not the only three. Pricing, job and product profitability, working capital, headcount and capex timing all sit in the same monthly review. These are simply the easiest to size before we've seen your books.
An illustration, not a promise. It's a worked example on generic industry assumptions, not a forecast, a quote, or advice about your business. Your own figures will be different.
Generic assumptions, not yours: a debtor book around 50 days improved by 10, a one-point gain in net margin, and 2% taken off an overhead line assumed at 20% of revenue. Every business differs, which is what the range is for. The cash figure is a one-off release; the other two would recur annually. Nothing here is a substitute for looking at your actuals, which is what the discovery call is for.
Who we're for
Want more support behind the big decisions?
Most owners we work with are running a good business and want a sharper view behind the calls that matter. If a couple of these sound like you, that's the conversation we're built for.
- You'd like a clearer view of cash before the month turns, not after.
- You want to know which jobs, products or customers are really carrying the business.
- The big calls deserve more than a gut check: a hire, a contract, an expansion.
- You'd rather see what's coming than read about what already happened.
- You want the finance thinking done at work, so your weekends belong to your family.
So how does it actually work?
Three layers (code, AI, and a real advisor) and a first 90 days that costs you about an hour to start. That's the part worth reading next.
Every pack reviewed and signed by Thomas Fahy, Brisbane.