Three layers. One accountable CFO team.
Most CFO firms sell you days of a person's time. We combine three layers, so you get senior judgement and daily visibility at a price a growing business can afford:
One of our Australian CPA partners owns your relationship, leads board and investor conversations, and signs off the advice that matters.
Experienced CFOs and analysts with Big Four and Fortune 500 backgrounds build your forecasts, reporting and models, working to Australian business hours.
Connects to your accounting software and watches cash, margin, debtors and KPIs every day. It answers questions 24/7 and flags risks before month-end.
Meet your Australian CFO Partners
Mark O'Sullivan, CPA
Senior leadership roles at PwC, EY and Andersen. Works with clients across Australia, by video and in person by arrangement.
Peter Varga, CPA
20+ years in finance and operational leadership at NAB, Telstra and AusNet. Works with clients across Australia, by video and in person by arrangement.
CFO services in your city
Choose your CFO model
AI CFO
CFOAvatar connects to your accounting software and becomes your always-on CFO. It gives you live cash, margin and KPI…
Explore →Virtual CFO
A virtual CFO gives you senior financial leadership remotely: forecasting, reporting, KPIs and strategic advice,…
Explore →Fractional CFO
A named, senior CFO embedded in your leadership team for set days each month. Board-ready reporting, capital and bank…
Explore →Part-time CFO
A senior CFO one to three days a week, for businesses that need regular, hands-on finance leadership but not a…
Explore →Interim CFO
Immediate CFO cover when your CFO resigns, goes on leave, or a transaction or turnaround needs a senior hand now.…
Explore →Outsourced CFO
Outsource your CFO function, from strategy and forecasting to reporting and controls, to a CPA-led team with an AI CFO.…
Explore →CFO-as-a-Service
Subscribe to CFO capability the way you subscribe to software. A monthly plan includes an AI CFO, a senior CFO team and…
Explore →Pricing
Transparent AUD pricing from A$1,500 a month. No long lock-ins…
Explore →Ask an AI CFO a real question
Built for your industry
SaaS & Startups
Investor-grade models, R&D Tax Incentive cash planning, runway management and board reporting for Australian founders,…
Explore →Ecommerce & DTC
Contribution margin, inventory and cash planning, ad efficiency and peak-season funding for Australian DTC and…
Explore →Construction & Plant Hire
Job costing, WIP, retentions, security of payment, fleet utilisation and bank finance for Australian builders,…
Explore →Medical & Dental Practices
Service-fee models, payroll tax exposure, practice profitability, expansion and valuation for Australian medical…
Explore →Hospitality & Tourism
Prime cost control, venue profitability, award-wage forecasting and seasonal cash planning for Australian restaurants,…
Explore →NDIS Providers
Margin per support hour, utilisation, pricing-guide changes, claims cash flow and growth funding for registered and…
Explore →Professional Services
Utilisation, rate realisation, lock-up, partner economics and contract margin for Australian consultancies, agencies,…
Explore →Manufacturing
Standard costing, margin by product and customer, energy and input cost management, inventory and capex planning for…
Explore →Mining Services & Energy
Contract profitability, WIP and milestone cash flow, tender pricing, FIFO labour cost and equipment finance for…
Explore →Agribusiness, Food & Wine
Seasonal cash planning, inventory and biological asset reporting, export market profitability and lender reporting for…
Explore →Capital Raising
Investor-grade financial models, a data room that survives due diligence, and a CFO in the room when investors ask the…
Explore →Exit & Sale Readiness
Maximise value and minimise surprises. Normalised earnings, vendor due diligence, working-capital targets and the…
Explore →Australian clients
Premier Cranes & Rigging
Premier Cranes & Rigging is a Melbourne crane hire business with a fleet of mobile, Franna and crawler cranes serving construction, precast, bridges, rail, civil and wind projects. CFOSurge supported its leadership with CFO-level financial insight to help with better decision-making.
Read the case study →Free CFO tools for Australian businesses
True Cost of a CFO Calculator
Compare the real annual cost of a full-time CFO, including super, payroll tax, bonus and recruitment, against a…
Explore →Payroll Tax Calculator: All States
Estimate your annual payroll tax in NSW, VIC, QLD, WA, SA, TAS, ACT or NT using 2026–27 thresholds and rates, including…
Explore →Cash Runway Calculator
See how many months of cash you have, what growth and cost changes do to it, and how much cash is trapped in debtors.…
Explore →Do I Need a CFO? Diagnostic
Eight questions. One honest answer. Find out whether your business needs a full fractional CFO, an AI CFO with monthly…
Explore →R&D Tax Incentive Calculator
Estimate your R&D Tax Incentive offset, refundable or non-refundable, and the net benefit over an ordinary deduction,…
Explore →13-Week Cash Flow Forecast Template
Enter eight simple assumptions: opening cash, sales, expenses, receivables, payables and your collection and payment…
Explore →Sample Monthly Board Pack
See exactly what a CFO-grade monthly board pack looks like: CFO summary, P&L against budget, cash bridge, KPI scorecard…
Explore →Transparent pricing in AUD
AI CFO Essentials
For owner-led businesses that need forward-looking numbers now.
- CFOAvatar AI CFO connected to your accounting software (Xero, MYOB, QuickBooks, NetSuite and others)
- Live dashboard: cash, margin, debtors, KPIs
- Rolling 13-week cash flow forecast
- Monthly CFO-reviewed management report
- Monthly review call with a senior CFO
- Ask CFOAvatar 24/7
Fractional CFO
A named CFO embedded in your business for set days each month.
- Everything in Essentials
- Budget, 3-way forecast and scenario models
- Board pack and attendance at board meetings
- Bank and lender reporting
- Pricing, margin and cost programs
- Australian CPA partner oversight
Strategic & Interim CFO
Capital raising, exit, turnaround or interim cover.
- Capital raising and investor data room
- Exit readiness and vendor due diligence
- Turnaround and ATO or lender negotiations
- Interim CFO cover during recruitment or leave
- Fixed fee or milestone pricing
Prices in AUD, exclusive of any applicable taxes. Start risk-free: if you're not satisfied in the first two weeks, you don't pay. No long lock-in contracts.
Frequently asked questions
What are CFO services?
CFO services provide the forward-looking financial leadership of a chief financial officer, such as cash forecasting, budgeting, KPIs, funding, strategy and board reporting, on an outsourced, part-time or AI-assisted basis.
How much do CFO services cost in Australia?
From about A$1,500 a month for AI-assisted CFO services, A$3,000–A$10,000+ a month for fractional CFOs, and A$270,000–A$400,000+ a year for a full-time CFO. CFOSurge starts at A$1,500 a month.
Who are CFOSurge's Australian partners?
Our Australian CFO Partners are Mark O'Sullivan, CPA, and Peter Varga, CPA. Both work with clients in every Australian city, by video and in person in Sydney and Melbourne by arrangement.
What is CFOAvatar?
CFOAvatar is CFOSurge's AI CFO. It connects to your accounting software and provides live dashboards, cash forecasts, KPI tracking and plain-English answers 24/7.
Do you replace my accountant?
No. We work alongside your accountant and tax agent, who continue to handle tax and compliance.
How do I get started?
Book a free 30-minute consultation. We'll review your numbers, show you CFOAvatar and recommend the right plan.