How CFO-as-a-Service works
Choose a plan
Essentials, Fractional or Strategic, based on your stage and complexity.
Connect and onboard
CFOAvatar connects to your accounting software, and your CFO team learns your business.
Receive deliverables on a fixed rhythm
Weekly cash updates, monthly reports and reviews, and quarterly strategy sessions.
Scale as you need
Add days for a capital raise, an audit or a transaction, then scale back.
CFO-as-a-Service plans
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.
Why a subscription CFO beats ad-hoc advice
Ad-hoc CFO advice is reactive. You call when there's a problem. A subscription CFO builds the forecasting and KPI rhythm that prevents problems, and the AI CFO watches the numbers between meetings. Over 12 months, that rhythm produces cleaner books, faster decisions, better lender terms and a business that's easier to value.
Find CFO services near you: Sydney · Melbourne · Brisbane · Perth · Adelaide · Canberra · Gold Coast · Newcastle · Hobart · Darwin · Geelong · Sunshine Coast · Wollongong
Frequently asked questions
What is CFO-as-a-Service?
CFO-as-a-Service is a subscription model where you pay a fixed monthly fee for defined CFO deliverables, such as forecasting, reporting, KPIs and strategic advice, instead of hiring a CFO.
How much does CFO-as-a-Service cost in Australia?
CFOSurge plans start at A$1,500 a month, with tailored pricing for fractional and strategic plans.
Can I change plans?
Yes. You can move between plans as your needs change, for example adding days for a capital raise.
What's included in every plan?
Every plan includes CFOAvatar, our AI CFO, a rolling 13-week cash forecast and a monthly CFO-reviewed report.