Step 1
It lands with our senior team, not a queue.
Fractional CFO
A fractional CFO for owners doing $1M–$50M.
Ex-NAB & CBA senior banker · $5B+ across M&A and corporate finance · ran a national retailer’s Asia-Pacific business.
Your business needs a CFO. It doesn’t need a full-time one. A senior operator on the forecast, the cash and the margin — a few hours a week, not a salary on the books. Your accountant and bookkeeper stay exactly where they are.
Starts with the Business Health Check — $4,950, fixed, three weeks, senior-led, ending in the 12-month plan. Credited in Full. Engage within 60 days and the fee comes off your first retainer quarter.
No products. No commissions. Just counsel.
- Answered within one business day
- Comes straight to our senior team, not a sales team
- No pitch, no obligation
- Limited clients at any one time
Seven Capital Advisory · ABN 56 671 902 702 — business advisory and management consulting. We do not provide financial product advice and are not licensed to do so.
Book a meeting.
Under a minute. It comes straight to our senior team, and we reply within one business day to set a time.
What happens after you send it
Step 2
Within one business day you get a personal reply: a straight answer on whether a fractional CFO is the right spend.
Step 3
If it’s worth a conversation, we set a time. Thirty minutes, one meeting, no deck. You’ll leave with a view either way.
On anything regulated: we architect the strategy and coordinate your registered tax adviser / accountant / lawyer to implement it.
$5B+
in transactions across M&A and corporate finance
$650M
sale of Affinity Education to Quadrant Private Equity, led to completion
10 yrs
inside CBA and NAB — the lending side of the table
AUS · SG · US
where client work has run
What you get
What a fractional CFO actually does for you.
Not another report. Some call it a fractional CFO; the work is the same. A senior operator on the numbers that drive the business — forecast, cash, margin, and the reporting your board and bank read. A few hours a week, not a salary on the books.
What we run
- Forecasting and budgeting — a rolling 12-month view, updated monthly, so problems show up early.
- Cash flow — what’s in the bank next quarter, not just what happened last month.
- Pricing and margin — where the money actually comes from, and what’s quietly leaking.
- Board and bank reporting — the pack your board and your lender want, on time, without a scramble.
- The numbers that drive decisions — one clear read on the business, in plain English.
What stays with your registered advisers
- Tax returns and lodgements — your accountant keeps the accounting and the compliance.
- The books — your bookkeeper keeps the books.
- Legal documents — your lawyer keeps the legal work.
- The audit — your auditor, exactly as today.
- Lending facilities — your banker keeps the relationship. We get you ready for the meeting.
Where the plan touches tax or structure, we architect the strategy and coordinate your registered tax adviser / accountant / lawyer to implement it. We complement your advisers. We don’t replace them.
Who this is for. And who it isn’t.
This is you if
- You’re making calls on price, hiring and spend off numbers that arrive late.
- Your bookkeeper and your accountant are doing their jobs. Nobody is doing this one.
- Your board or your bank wants reporting you don’t currently produce.
- Cash is the first thing you check every morning, and nobody can tell you what it looks like in ninety days.
- You want a senior operator in the seat, not a full-time salary on the books.
This isn’t you if
- What you need is bookkeeping, a tax return or a BAS lodged. That’s your accountant’s work, and they’re better at it than we’d be.
- You want licensed financial product advice. We’re not licensed for it and won’t pretend otherwise.
- You want a report. We write plans and then run them.
- You’re pre-revenue. Come back when there’s a P&L to argue about.
Who’s in the chair
A CFO who has run businesses, not just reported on them.
Seven Capital is led by Jack Hammond, and the work is done by senior people. Before it: ten years in corporate and business banking at CBA and NAB, reading owner-led businesses for a living — so we know how your bank reads your numbers before you sit down at it. Then $5B+ in transactions across M&A and corporate finance, including the $650M sale of Affinity Education to Quadrant Private Equity. And years running Lovisa’s Asia-Pacific business — a 1,000+ store, corporate-owned network inside a $2 billion-plus ASX company — answering for a region’s numbers every week.
That’s who’s in your chair a few hours a week. In one client engagement, the business went from $22M to $32M in revenue, with $4M more in net profit.
No products. No commissions. Just counsel.
Seven Capital doesn’t manage money, sell products, or take a percentage of anything. The fee is fixed, agreed in writing before we start, and it is the entire relationship. Advice reads differently when nobody is paid to sell you something.
How we start
Your first ninety days.
Not a document you file. A senior operator in the numbers from week one.
Weeks 1–3
The Business Health Check — $4,950, fixed
We get into the numbers, the reporting and the cash position as they stand today. You get a board-quality written read across the seven disciplines: where the finances are, what’s working, what’s exposed — plain English, gaps named — ending in the 12-month plan. $4,950, fixed fee, credited in full against your first retainer quarter if you engage within 60 days. For context, that’s about one per cent of what a full-time executive costs in a year.
Weeks 4–6
The plan
One working financial plan, built with you: the forecast, the reporting rhythm, and what to fix first. Never a ninety-page deck.
Weeks 7–12
In the chair
We run it beside you — the monthly numbers, the board and bank reporting, the decisions that come off them — and coordinate your registered advisers on their parts.
From about $3M in revenue
Where a fractional CFO starts to make sense. Below that, it usually isn’t the right spend yet — we’ll say so, and tell you what is.
Scoped in writing
Before anything starts. You’ll know the full number before you agree to it.
Month to month
No lock-in contracts. We’d rather keep you with results.
A few hours a week
Senior people do the work. Not a salary on the books.
Strategy without execution is just a document. We do both.
What it costs
The first meeting costs nothing, and every engagement is fixed-fee and scoped in writing before it starts — you’ll know the full number before you agree to anything.
- Business Health Check — $4,950. Three weeks, fixed scope, a board-quality report across the seven disciplines — ending in a 12-month plan. Credited in full against your first retainer quarter if you engage within 60 days.
- Advisory Retainer. The plan, run monthly: cash, margin, and what the business is worth, with a senior operator on it. Fixed fee, month to month, no lock-in.
- Virtual CFO. A senior operator on the forecast, the cash and the margin. A few hours a week, not a salary on the books.
- Advisory Board Chair. An agenda, minutes and accountability — a board that actually meets.
- Exit Ready. Most owners sell once. Getting the business, and the numbers, ready for that one time.
- Family Continuity Review — from $4,950. Fixed scope: ownership, succession, and where the next generation actually stands. How the family work runs →
Retained work is quoted after the first meeting — in writing, before you commit to anything.
Fair questions.
Are you accountants or financial advisers?
No — and that’s deliberate. We’re strategists and operators, not accountants, not registered tax agents, not licensed financial advisers. On anything regulated, we architect the strategy and coordinate your registered tax adviser / accountant / lawyer to implement it. Your accountant stays your accountant; your lawyer stays your lawyer.
Will this replace my accountant or bookkeeper?
No. They keep the books, the accounting and the lodgements. We sit above that layer: the forecast, the cash, the margin, and the reporting your board and bank read. Coordinating them is our job. Replacing them isn’t.
What does a fractional CFO cost?
The first conversation costs nothing. The Business Health Check comes first: $4,950, fixed fee, three weeks, credited in full against your first retainer quarter if you engage within 60 days. Retained work after that is fixed-fee and scoped in writing before it starts — you’ll know the full number before you agree to anything — and runs month to month. No lock-in contracts. As a guide, it costs a fraction of a full-time hire: a few hours a week, not a salary.
What size businesses do you work with?
Owners of Australian businesses doing roughly $1M to $50M in revenue, and a small number of business families. Retained CFO work suits businesses from about $3M in revenue. Below that, a fractional CFO usually isn’t the right spend yet — we’ll say so, and tell you what is.
Fractional, virtual or outsourced CFO — what’s the difference?
Mostly vocabulary. “Virtual” describes how it’s delivered — remotely, alongside your team. “Fractional” describes how it’s engaged — a share of a senior CFO’s week instead of a full-time salary. “Outsourced” covers both. The work is the same: the forecast, the cash, the margin, and the reporting your board and bank read.
Put the numbers in front of someone who’s run them.
Thirty minutes, one meeting, no deck. Tell us where the numbers go quiet and you’ll get a straight read on whether a fractional CFO is the right spend. If it isn’t, we’ll say so.
Book a meetingSeven Capital Advisory provides business advisory and management consulting services. We do not provide financial product advice and are not licensed to do so. We are not registered tax agents or lawyers; your registered tax adviser, accountant and lawyer implement the regulated parts of any plan. Seven Capital Advisory (Seven Capital Co Pty Ltd, ABN 56 671 902 702, Brisbane) is unrelated to Seven Capital, the UK property developer.