Embedded Fractional CFO Services for Small to Medium-Sized Enterprises

Embedded on-site collaboration

We work side by side with your team to understand your business, your people and your financial goals.

CFO-level strategy without the CFO cost

Senior financial leadership at a fraction of the $250k+ full-time CFO overhead.

Turn messy numbers into clear decisions

We transform complex financial data into clear, actionable insights you can act on.

Fractional CFO Services In a Nutshell

See our practical CFO services focused on growth, cash flow, reporting and financial clarity.

3-Way Cash Flow Forecast & Report

One of the most valuable CFO tools which provides clear visibility over profit and cash drivers, with scenario modelling to improve both.

Budgeting & KPI Dashboards

Visual real time KPIs that drive proactive action across your team and ensures the business is on track to meeting monthly goals. 

Detailed Board Reporting Packs

Monthly board packs with Statement of Cashflows, the metric most CFOs leave out. We go through every number in detail, with a cloud-linked CFO commentary.

Regular In-House CFO Check-Ins

Bi-fortnightly sit-downs where your CFO is on-site, learning your business, engaging your key people, and influencing strategy, not just dialling in remotely.

Hands-On Strategic Advisory

Scenario analysis, 3-way forecasting (profit, cash & balance sheet), tax planning, funding applications, system installs, annual strategy meetings and more.

Finance Team Oversight

WhatsApp Finance Group with you, Pierre, and your finance team. 24/7 access with a 12-hour response commitment, never left without answers.

Meet Your Fractional CFO

Pierre is a CA-qualified CFO with more than 25 years of experience across a broad range of industries, including but not limited to manufacturing, industrial, fuel distribution, building/building services, construction trades, aged care, allied health, storage and logistics.

Having held CFO and senior finance leadership roles for growing Australian companies, he combines strategic financial leadership with hands-on operational support to help businesses improve profitability, strengthen cash flow and scale with confidence.

“I enjoy being on site, riding shotgun, learning about your business, engaging your key people, and influencing strategy.”

$2M–$40M

Turnover range of businesses we serve

12hr

Maximum response time commitment

24/7

Finance group access
via WhatsApp

1 team

Full finance function
for one fixed fee

How it works

Getting started is straightforward. From your first conversation to an ongoing strategic partnership, here’s exactly what to expect.

Free Strategy Session

30-minute call to understand your business, your numbers, and where you want to go. No obligation.

Onboarding & Setup

We get access to your systems, set up your WhatsApp finance group, and build your first board reporting pack.

Regular CFO Check-ins

Fortnightly on-site meetings. Monthly board packs. KPI dashboards updated. Numbers that tell a story.

Ongoing Strategic Advisory

Scenario planning, funding applications, growth strategy your full finance team, always on deck.

Manage your business finances with confidence

We like to use the analogy of a car trip. To get to your destination you need to look through the windscreen at the road ahead, use your mirrors to change lanes safely, and have the right technology and systems to navigate in comfort.

01. The Rear View Mirror

Looking back clearly so you can move forward with confidence. Every month, you receive a detailed board reporting pack that tells the full story of your business’s financial performance.

Monthly board pack - jun 2025

Revenue

$842,300 ↑ 12%

Gross Profit

$312,100 ↑ 8%

Operating Expenses

$198,400

EBITDA

$113,700 ↑ 22%

Net Cash Position

$284,500 ↑

Cash In
0%
Cach Out
0%
Forecast
0%

02. The Windscreen

Strategic planning gets you the thinking to drive your business forward. Scenario modelling, 3-way forecasting, and “What If” analysis so you’re never making decisions blind.

Scenario analysis - Q3 2025

Base case EBITDA

$113,700

↑ Prices +5%

$156,400 ↑

+BDM hire ($130K)

$84,200 ↓

Both changes

$122,100 ↑

Base
0%
Upside
0%
Downside
0%

03. The Side Mirrors

Your ability to monitor the reality of your business. KPI dashboards and bookkeeper oversight ensure your numbers are always current, accurate, and meaningful.

KPI snapshot - the week

Revenue vs Budget

104%

Debtor Days

32 days

Creditor Days

41 days

Gross Margin

37.1% ↑

Cash Runway

6.2 months

04. Strategic Advisory

No pillar of your business is off-limits. Tax planning, asset protection, HR, funding, insurance – Pierre gets involved at the strategic level across all areas. 

STRATEGIC PRIORITIES - FY2026

Funding application

In progress

Tax structure review

Complete ✓

New ERP system

Q3 target

BDM hire plan

Modelled ✓

Insurance review

Saved $18K

So, who do we help?

4ward provides comprehensive accounting and financial services to businesses of all shapes and sizes, in all sectors, right across Australia. Our team is hands-on and are available virtually or physically at your office to provide direct support to you and your team. 

Which one are you? 

We want to grow, but we’re stuck at our current size

This is a common concern for many aspirational and hardworking business owners. Especially those who wear many hats in their business and can’t get out of the weeds. Whether you are a small business moving out of the start-up phase, a medium sized business looking to scale-up or a larger business wanting to go after new market segments, we can assist with strategic advice and financial systems that will put you on the right path to your next chapter. 

Services Include:
No problem! Our team includes professionals who individually have decades of experience in CFO, Financial Planning, Analysis, and Financial Controller roles. The beauty of our service is you can tap into this expertise and knowledge in a targeted way; getting the advice you need on a regular basis, without the hassle and cost of hiring a senior C-suite employee.
Services Include:

How frustrating, but don’t worry, we can help! We are used to running teams, mentoring juniors and bringing different divisions together. You will no longer need to check every invoice to make sure it’s correct or worry if your suppliers are being paid on time. Let us help you support or build your team’s skills, streamline your systems and put the right checks and balances in place so you can get back to running your business. 

Services Include:

We completely understand! Businesses today run many different software systems to manage different aspects of their business, and many of these systems are either joined (via API) or disconnected from the accounting system. Let us help you discover the source of truth in your business and ensure the accounting numbers make sense. 

Services Include:
No problem! We are here to provide the financial oversight and strategic insight that gives you confidence in the numbers and clarity in your decision-making. By ensuring cash flow is managed, risks are mitigated, and the business is financially prepared for what’s ahead, we act as a steady hand guiding the financial health of the company.
Services Include:

No problem—you’re not alone. We’ll help you find the right Finance Manager and set them up for success from day one. With decades of experience as CFOs, Financial Controllers, and Finance Managers ourselves, we know exactly what it takes. We’ll guide and mentor your new hire, set clear expectations, and help keep them accountable to ensure they deliver real results. 

Services Include:

Trusted by Business Owners

What Our Clients Say Real results from real business owners across Australia. 

If you’re ready to take your business 4ward, get in
contact with us today.