Expert financial guidance on demand

Experiencing financial issues is never ideal for an SMB owner, especially when they need to have a crystal clear financial vision for their future. AVA Advisory’s Fractional CFO service gives you access to a CFO on a part-time, flexible basis and can provide you with the financial guidance and oversight needed to make strategic decisions. Let us restore your confidence and regain control of your financial future.

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What is a Fractional / Virtual CFO?

Professional financial expertise at a fraction of the cost.

A Fractional CFO (or Virtual CFO) is an experienced financial manager who joins your company part-time and provides all of the financial insights and recommendations you would expect from a full-time CFO.

If your company is currently navigating through a difficult financial period or is in need of greater tactical support, this service will provide strategic guidance and advanced financial oversight to keep your operations under control.

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Is a Fractional CFO right for your business?

In today’s volatile Australian economy, with persistent inflation and fluctuating interest rates, strategic financial leadership has become essential for business stability and growth.

Many SMBs can’t justify a full-time CFO’s salary despite needing sophisticated financial guidance. A Fractional CFO bridges this gap, providing expert financial oversight and strategic planning at a fraction of the cost of a permanent hire.

Our Fractional CFO service delivers professional leadership tailored to your specific needs. We’ll help you gain crystal-clear visibility of your finances, identify growth opportunities, and develop robust strategies to navigate market challenges. With our guidance, you’ll make confident, data-driven decisions that strengthen your business’s financial future.

Our process pillars

We concentrate on three core pillars of transformation – Improvement, Growth and Support – backed by ongoing advice and performance oversight.

In simple terms, we guide you in running your business more efficiently and sustainably. We work with you to assess the market for your product, develop a growth plan and increase earnings. We parallel these efforts by assisting with back-office management and connecting you with trusted outsourced resources and service providers.

Month-to-month, we help you transform your business and boost daily performance. As Australian businesses navigate some of the toughest operating conditions in decades, we empower you to thrive.

Features and benefits

Gain access to high quality CFO-level expertise without the commitment or expense of hiring full-time.

Financial strategy and planning

Tailored financial strategies to align with your business goals, providing a clear pathway for growth and stability.

Decision-making support

An external, objective viewpoint to support critical business decisions, especially during challenging times.

Cash flow and profitability management

Proactive management of cash flow and profitability to help you navigate financial challenges with confidence.

Risk management and mitigation

Identification of financial risks and development of strategies to protect your business.

Adaptability and flexibility

Your Virtual CFO scales with your needs, from part-time involvement to greater support during critical financial periods.

Cost-effective CFO access

Access to senior financial leadership without the expense of a full-time hire, ideal for businesses with limited budgets.

Experience you can trust with your financial success

Our staff are all senior finance experts with backgrounds across both small and large-scale companies. We’ve helped businesses navigate complex financial transitions to increase profit, cash flow and reduce risk.

When should a business consider a Fractional CFO?

Consider AVA Advisory’s Fractional CFO services if your business is facing any of the following situations:

Don’t know how to forecast the financials and require strategic planning services.
Not managing your cash and expenses proactively.
Struggling to gain clarity around day to day business performance.
Looking to reduce financial risk and build resilience.
Budget crunches without a permanent CFO on staff.
Need a professional eye to help guide your business through expansion or restructure.

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Speak with our team

When should a business consider a Fractional CFO?

Consider AVA Advisory’s Fractional CFO services if your business is facing any of the following situations:

Don’t know how to forecast the financials and require strategic planning services.
Not managing your cash and expenses proactively.
Struggling to gain clarity around day to day business performance.
Looking to reduce financial risk and build resilience.
Budget crunches without a permanent CFO on staff.
Need a professional eye to help guide your business through expansion or restructure.

No items found.

Speak with our team

Elevate financial performance with expert Fractional CFO services

Providing strategic financial leadership without the full-time expense, our Fractional CFO services are tailored to deliver maximum impact on your bottom line. Together, we’ll transform your financial operations into a powerful driver of business stability and growth.

Strategic financial direction

Turn complex financial data into actionable insights. We work alongside you to implement robust financial systems, ensuring your business decisions are guided by precise analysis and forward-thinking strategy.

Unlock financial potential

Access transformative financial expertise backed by deep knowledge of cash flow management, funding strategies and financial compliance – bridging day-to-day operations with long-term financial success.

Build investor confidence

Harness the power of professional financial leadership. We strengthen your financial position and reporting practices, driving stakeholder confidence through transparent, strategic financial management.

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Our Fractional CFO expertise delivers financial clarity

We don’t just analyse numbers – we transform them into strategic advantage. Where traditional CFO solutions are out of reach, our approach brings executive-level financial leadership within your grasp.

Only 4.5%

Of clients needed additional intervention

Our financial leadership provides lasting solutions you can measure, rely on and built upon

10-30%

Revenue growth within 2 years

Achieved through strategic financial planning and precise cash flow management

$33m+

Total client savings delivered

By implementing targeted financial controls and identifying untapped profit opportunities

A step-by-step guide to our Fractional CFO process

AVA Advisory’s Fractional CFO service provides structured, continuous guidance during every financial hurdle. We partner with you to assess your situation, discover opportunities, and formulate a financial plan tailored for you while supporting you through regular BAU financial administration.

Financial strategy and planning

Assessing current financial status and building a plan to align your finances with your business goals.

Financial reporting and analysis

Providing detailed insights and analysis to ensure informed decisions.

Profitability and cost management

Reviewing profitability and managing costs effectively to stabilise your financials.

Speak with a consultant

Understanding Australian legal standards for Personal Asset Protection

We offer Personal Asset Protection advisory services that are built on a solid understanding of Australian legal standards, such as the Bankruptcy Act and the Corporations Act.

We work closely with business owners, their legal advisers, and accountants so that all asset protection steps follow the relevant laws and regulations, keeping your personal assets safe while staying within legal boundaries.

As Personal Asset Protection advisers, it’s important to us that our clients are familiar with Australian laws and regulations and ensure that personal assets are properly protected. Key considerations include:

Using trust structures to protect assets

A discretionary trust can protect assets from business obligations as trust assets don’t count as part of the estate under the Bankruptcy Act 1966 (Cth). But it is important to make sure the trust is set up in the right way and is not an illusion for the purposes of law.

Application of Personal Property Securities Act 2009 (PPSA)

The PPSA covers personal property security interests. If you register your security interests on the Personal Property Securities Register (PPSR), you are safeguarding your personal property interests against third-party claims. It is a registration that gives priority over unregistered or post-registered interests.

Following guidance from the Corporations Act 2001 (Cth)

This Act lays out the responsibility of directors. Directors who observe these obligations – namely, in good faith and in the best interests of the company – will limit their personal liability exposure. A breach can expose individual assets, so follow-through is critical.

Keeping up to date with the Taxation Administration Act 1953 (Cth)

The Act personalises company directors for taxes owed, such as missing PAYG withholdings and Superannuation Guarantee Charge (SGC) amounts. The directors need to make sure these are paid on time so that they can remain unpunished.

Understanding how the Bankruptcy Act 1966 (Cth) works

This Act explains how individual assets are handled during personal bankruptcy. Some personal assets can be held in trust, which provides a certain level of protection against creditors' claims. However, other assets that become part of the bankruptcy can go to creditors. Using asset protection plans before you run into problems is key as transactions that are made in an attempt to avoid creditors can be revoked (claw-back provisions).

Working with AVA Advisory was a game-changer for our small business. Their expertise and guidance helped us successfully restructure and stabilise our operations, paving the way for financial success. We highly recommend their services.

John Doe

CEO, ABC Company

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Position, Company name

“AVA have been able to help guide us in terms of what we’ve needed financially. We’ve also engaged them with legal actions that we’ve wanted to prepare ourselves for.

To know we have that confidence behind us should anything go round or should we need those services is absolutely brilliant.”

Rebecca Kirikino

R&B Mining

“After the initial consultation with AVA, we felt that our issues were completely understood and very quickly our minds were put at ease.

We knew we needed to find a company that could actually communicate with the ATO on our behalf. An incredible amount of pressure was taken off me.”

Kristina Drage

Nabawa Valley Tavern

“All of the AVA team have such great expertise and dealt with everything in so professionally. At no point did we ever feel lost or like they wouldn't be able to assist us.

We highly recommend AVA Advisory because of their expertise and dedication to getting a business where it needs to be.”

Lorraine Judd

LCD Lifestyle Group

“I had massive bad debt standing over my head from our tax bill. The SBR process was painless and easy.

AVA Advisory changed everything for me. Their team did all the work – all I did was answer their questions. They were really good at following up, and communicating things in terminology I could understand.”

Todd Kempton

Locale Kitchen

“AVA Advisory continue to identify any operational or financial exposure that we might have. They’ve been so good at helping us extrapolate to where we want to be, to plan financially, so that we can just really focus on being creative and marketing our business.

We feel like we are in really safe hands.”

Angela Murphy

Happy Film

“We went through the SBR process and negotiated our tax rate down, then came up with a plan to repay a portion of the tax that our company could afford.

AVA Advisory really showed empathy – they understood the situation and adapted it to help us. They just didn't treat us like everybody else.”

Nikki

Arkus Auto Services

Do you need a half-yearly health check?

Our half-yearly health checks are essential for keeping your business on track. Using our diagnostic process, we reassess your position, measure the impact of transformation efforts and monitor performance changes. This allows us to stay ahead of any necessary adjustments, refining your strategy and aligning it with evolving goals.
With flexible mentoring options and check-in points, we tailor the process to fit your needs, ensuring continuous growth and improvement.

Speak with our team

FAQs

It is important to understand the role a Fractional CFO can play in your business in order to make better financial decisions. Below are 10 frequently asked questions for this service:

What is a Fractional CFO?

A Fractional CFO (Virtual CFO) is a part-time finance professional who delivers strategic financial direction and management at a fraction of the cost of a full-time position.

How can a Fractional CFO benefit my business?

As an accounting professional, they provide expert advice to help your business track and manage cash flow, profitability, risk and financial planning.

What’s the difference between a Virtual CFO and an internal CFO?

A Virtual CFO offers all the strategic oversight as an internal CFO but on a flexible contract that is more affordable.

How often will I meet with my Fractional CFO?

Meetings can be held weekly, monthly or at a different time to suit your level of support.

Does a Fractional CFO make a difference in financial forecasting?

Forecasting is one of their key services and they will assist you in anticipating future expenses and managing cash flow.

Does this service work for small businesses?

Absolutely. The Fractional CFO services are especially ideal for small businesses that want a high level of financial insight but can’t afford an internal CFO full-time.

How does the onboarding process work?

We take an in-depth look at your finances during onboarding to make sure that we’re providing the support that’s right for you.

Would a Fractional CFO be beneficial if my business is in debt?

Yes, they deliver cash flow management, cost-saving and revenue generation tools to put your business on the right track.

Will my Fractional CFO integrate with my current finance team?

Yes, they collaborate seamlessly with your internal team to ensure cohesive and consistent financial management.

How do I know if a Fractional CFO is right for my company?

If your business requires strategic financial guidance without the cost associated with a full-time CFO, a Fractional CFO is a good option for you.

Need more information?

Contact our team for a confidential discussion.

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Meet our team

Our dedicated team of industry experts bring a wealth of knowledge and experience, from debt management and business transformation to high-level corporate advisory. Guided by integrity and trust, we are vibrant and future-focused, with a commitment to professional and financial excellence.