Fractional CFO North Sydney

CFO-Level Support for North Sydney SMEs

Target Advisory provides fractional CFO support for North Sydney SMEs, consultants, education providers and growing service businesses. We help business owners move beyond basic accounting by building clearer forecasts, management reports, cash flow visibility and decision-ready financial models. It is commercial finance support delivered through a flexible, practical and fixed-fee advisory model.

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Board-Level Clarity

Turn accounting data into clear reports, forecasts and decision-ready insights.

Cash Flow Confidence

Understand future cash needs before pressure lands on the business.

Flexible CFO Support

CFO-level thinking without adding a full-time executive salary.

We get it – managing business is difficult

Leave your finances to us, so you can focus your valuable time on achieving your goals and ambitions!

Our Services

Management Reporting

Monthly reports that explain performance, risks, margins and next steps.

Cash Flow Forecasting

Forward-looking cash flow models to support confident business decisions.

Financial Modelling

Scenario models for pricing, staffing, growth, funding and strategic planning.

Strategic Finance Support

Commercial advice for pricing, hiring, systems, growth and operational planning.

Free Guide for Business Owners

5 Biggest Tax Mistakes Small Businesses Make Costing Them $’000s (And How to Avoid Them)

Many businesses overpay tax or expose themselves to risk without realising it. This practical guide highlights the most common mistakes we see — and what you can do to avoid them.

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When a Growing Business Needs a Fractional CFO

A business usually needs fractional CFO support when the owner can no longer rely on bank balance accounting. The signs are easy to spot: revenue is growing but cash feels tight, decisions are being made from gut feel, reports arrive too late, margins are unclear and tax planning only happens after the year is over.

A fractional CFO gives the business a forward-looking finance function without the cost of a full-time executive. The work may include monthly management reports, cash flow forecasts, budget reviews, financial models, pricing support, board packs, KPI tracking and scenario planning. For SMEs, this can be the difference between knowing that something happened and understanding what to do next.

In North Sydney, where many businesses operate in professional services, education, consulting, health, technology and corporate support sectors, the finance function needs to support strategy. Owners need to understand capacity, staff cost, revenue pipeline, debtor risk, tax exposure and investment decisions before those items become stressful.

Target Advisory provides CFO-level support in a practical way. We focus on usable reports, clear financial models and advice that helps management make decisions. The aim is not to create complex spreadsheets for decoration. The aim is to build a calmer, sharper finance rhythm for growing businesses.

How It Works

1. Diagnose

We review your reports, systems, cash flow, revenue model and decision-making gaps.

2. Build

We create useful reporting, forecasting and models aligned to your business needs.

3. Advise

We meet regularly to review performance, risks, opportunities and next actions.

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FAQs

What does a fractional CFO do?

A fractional CFO provides senior finance support on a part-time or flexible basis, including reporting, forecasting, cash flow and strategic financial advice.

Is fractional CFO support only for large businesses?

No. Many SMEs use fractional CFO support when they need better financial visibility but are not ready to hire a full-time CFO.

Can you help us build a cash flow forecast?

Yes. We can build practical cash flow forecasts that help owners see upcoming pressure points and funding needs.

Do you provide board or investor reporting?

Yes. We can help prepare clear management reports, board packs and financial summaries for decision-makers.

Can this work alongside our existing accountant?

Yes. Fractional CFO work can complement existing tax or bookkeeping support, depending on scope and client needs.

How often should CFO reports be reviewed?

Most growing SMEs benefit from monthly review, with deeper quarterly planning around cash flow, growth and tax position.

Read Our Client Testimonials

Vishal has been known to me for more than 10 years and in that time his professionalism and consistency in client care have remained steady and reliable. His knowledge of financial service products is both deep and practical and he takes the time to ensure clients understand each step of the process before decisions are made. Target Advisory has clearly benefited from his calm attention to detail. He listens first, then offers options that are well thought through. There is never pressure. There is clarity, straight talk and genuine care for doing the right thing. In a sector where trust is earned over time, Vishal has earned mine many times. His follow up is timely. His guidance is measured. His attitude is grounded and respectful. I have no hesitation in recommending him to any individual or business seeking financial support, planning or advice.

Alec Gardner

Very impressive of how quickly and professional the services that Target Advisory has provided. Vishal has been really helpful and patience in providing guidance and professional advice which is very much beneficial to our organisation. Problems resolved in an efficient way with Vishal’s assistance. Target Advisory is highly recommended and we shall return for further services in the future.

Puiyin LI

I’ve known Vishal for over 10 years, and he has always been incredibly professional, trustworthy, and dedicated to everything. His business, Tailored Tax, Lending, and Advisory Solutions, truly lives up to its name offering personalised, practical advice that makes a real difference. Vishal has helped me with tax solutions for my business, and I couldn’t be happier with the results. He took the time to understand my situation in detail, explained everything clearly, and provided strategies that not only solved immediate issues but also set me up for long-term success. What I appreciate most about Vishal is his honesty, reliability, and genuine care for his clients. He goes above and beyond to ensure you feel supported and confident in every decision. It’s rare to find someone who combines expertise with such a personal touch. I highly recommend Vishal to anyone looking for professional tax, lending, or business advisory services. You’ll be in excellent hands!

Navreet bdaeng

I’ve known Vishal for over 10 years and he has always been professional, reliable, and easy to deal with. I completely trust his advice and wouldn’t hesitate to recommend Vishal and Target Advisory to anyone looking for professional financial guidance.

Toby Cremer

I had a great experience with Target Advisory. Vishal was professional, knowledgeable, and extremely patient in explaining every step of the process. He took the time to understand my situation and provided clear, practical advice that really helped me make confident financial decisions. His communication was excellent, and he always responded promptly to any questions I had. I truly appreciate his honesty and dedication to helping his clients. Highly recommend Vishal and the Target Advisory team!

Harsh Babbar

Target Advisory team was professional, approachable, and made the whole process feel easy and stress-free. Communication was clear throughout, and I felt well supported. I would happily recommend them.

Fabiana Loddo

I had an outstanding experience with Target Advisory. Vishal made sorting out my finances incredibly easy and efficient. His professionalism and confidence put me at ease as first time customer. His expertise and attention to detail and follow up skills ensured a seamless process. I highly recommend Target Advisory 100% satisfaction!

Anamika Shekhawat

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Fractional CFO Services in North Sydney