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Strategic Finance & CFO Hub

A specialist resource hub covering financial strategy, forecasting, KPI management, and growth planning for Australian SMEs. Find expert insights on cash flow management, funding decisions, financial modeling, and performance measurement.

Explore detailed guides on topics typically handled by CFOs - from building financial forecasts to evaluating investment opportunities. Created for business owners navigating growth and strategic financial decisions.

Company Tax Rates
  • Base rate entities (<$50M turnover): 25%

  • Other companies: 30%

  • Small business CGT concessions available

Healthy Business Metrics
  • Gross Profit Margin: 50%+ (services), 30%+ (goods)

  • Net Profit Margin: 10-20%

  • Current Ratio: 1.5-2.0

  • Quick Ratio: 1.0+

  • Debt-to-Equity: <1.0

Business Structure Tax Impacts
  • Sole Trader: Personal income tax rates apply

  • Partnership: Distributed to partners' tax returns

  • Company (Pty Ltd): 25-30% company tax rate

  • Trust: Distributed to beneficiaries

Popular Articles

Interactive Tool: Fractional CFO ROI Calculator

Fractional CFO ROI Calculator - Compare Costs & Value | Scale Suite

Fractional CFO ROI Calculator

Compare the cost and value of a Full-Time CFO vs Fractional CFO for your Australian business

Why this matters: Most SMEs don't need a full-time CFO, but they absolutely need strategic financial leadership. See how much you can save while getting expert guidance tailored to your growth stage.

Your Business Details

Your Potential Annual Savings

$160,500

By switching to a Fractional CFO, you save significantly while gaining strategic financial expertise

Full-Time CFO

$196,500
Annual Total Cost
  • Base salary: $150,000
  • Superannuation: $16,500
  • Leave provisions: $12,000
  • Recruitment costs (amortized): $10,000
  • Benefits & training: $8,000
  • Often overqualified for SME needs

Fractional CFO

$36,000
Annual Package (from $3K/month)
  • Strategic financial planning
  • Cash flow management
  • Financial reporting & KPIs
  • Budgeting & forecasting
  • Scalable as you grow
  • No recruitment, leave, or super costs
82%
Cost Reduction
2.7
Months to ROI
$802,500
5-Year Savings

Ready to Transform Your Financial Strategy?

Our Fractional CFO packages start from just $3,000/month with no lock-in contracts. Get the strategic expertise you need, exactly when you need it.

This calculator provides estimates based on industry averages for Australian SMEs. Full-time CFO costs include base salary plus on-costs (super, leave, recruitment). Fractional CFO pricing shown is indicative; actual costs vary based on your specific needs. Learn more about Scale Suite's services.

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How We Help

Ready for Strategic Finance? Our Fractional CFOs Become Your Embedded Finance Director.
Scale Suite provides fractional CFO services without the full-time CFO cost.

What We Handle

Strategic Financial Leadership

We become your finance director and help you drive strategic decisions with data-backed insights.

Forward-Looking Forecasts

We build and maintain 12-month rolling forecasts with scenario modeling, so you can plan with confidence.

Cash Flow Mastery

We optimise working capital, manage cash flow projections, and ensure you are always in tune to your business runway on a weekly basis.

KPI Dashboard Creation

We design and track the metrics that  matter for your business stage, updated monthly.

Annual Budgets

We help set a plan for the upcoming year ahead, and help you track your actuals to plan.

Monthly Reporting

We translate complex financials into clear strategic recommendations for growth.

Scale Suite's Fractional CFO Model

Regular contact with your leadership team
Fixed monthly retainer and no surprises
Dedicated resources assigned to you
Full systems integration (Xero, forecasting)
No equity required, no long-term lock-in

How Scale Suite Compares

Annual Cost
Experience Level
Availability
Onboarding
Equity Dilution
Strategic Continuity
Full-Time CFO
~$150K-$300K + super + equity
Varies
40 hours/week
3-6 months
Often required
Yes (if retained)
Scale Suite
From $36K/year (retainer)
Multiple years, CA qualified
10-20 hours/month + on-demand
2 weeks
No
Yes
Big 4 Advisory
$300-$600/hour (ad hoc)
Partner-level
Project-based
Per project
No
No
Scale Suite
Annual Cost
From $36K/year (retainer)
Experience Level
15+ years, CA qualified
Availability
10-20 hours/month + on-demand
Onboarding
2 weeks
Equity Dilution
No
Strategic Continuity
Yes
Full-Time CFO
Annual Cost
$150K-$200K + super + equity
Experience Level
Varies
Availability
40 hours/week
Onboarding
3-6 months
Equity Dilution
Often required
Strategic Continuity
Yes (if retained)
Big 4 Advisory
Annual Cost
$300-$600/hour (ad hoc)
Experience Level
Partner-level
Availability
Project-based
Onboarding
Per project
Equity Dilution
No
Strategic Continuity
No
Contact us

Get your free cost saving analysis now


Considering hiring finance staff? Let's compare what you'd get with an internal hire versus our embedded team approach.

Our experts will show you the complete picture - costs, capabilities, and flexibility - so you can make the right decision for your business.

No lock-in contracts and 30 day money back guarantee.

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