Outsourced CFO Services · Australia

From cash anxiety
to cash clarity.

Growing businesses between $1M and $50M deserve senior financial leadership — without a full-time CFO salary. We give you the numbers, the confidence, and the forward visibility to lead decisively.

The Transformation
Before CFO Consultant
Decisions made on gut feel
No visibility on cash runway
Surprised by the numbers
Bookkeeper + accountant gap
Mark Liner · CFO Consultant
After CFO Consultant
Decisions backed by real numbers
3-way rolling forecast, always current
Monthly clarity pack, every cycle
Senior CFO in your corner
30+
Years experience
15+
Years as CFO
100+
Clients served
Chartered Accountant · 30+ years
Registered Tax Agent · BAS compliant
100+ businesses transformed
Xero certified · Mango Method

You're running on gut feel.
That stops here.

Most growing business owners know the feeling. The books are maintained. Tax gets done. But nobody's actually looking ahead — and that silence is costing you.

😰

You can't answer "can we afford this?"

Hiring decisions, new equipment, expansion — they're all guesses without a live forecast behind them.
📊

Your reports look backwards, not forwards

Your accountant files the return. Your bookkeeper closes the month. But who's modelling what happens next?
💸

Cash surprises are still happening

A tight week, an unexpected outflow, a margin squeeze — you shouldn't be finding out when it hits the bank.
🔗

There's a gap between your bookkeeper and your strategy

Someone needs to connect the numbers to the business. Right now, nobody is.

What gut-feel decisions cost

Estimated impact on annual business performance

Missed profit opportunities18%
Overpaid overhead (undetected)12%
Cash runway burned unnecessarily22%
With CFO-guided decisions+30%

"Every major decision you make should be backed by numbers you trust. That's the only standard that matters."

Five things that change
when you have a CFO

Not theory. Not reports for the sake of reports. Practical tools that make decisions easier, faster, and better.

01
🎯

Decision Confidence Before You Commit

Before signing a contract or writing a cheque, you'll see exactly what it costs — in cash, in margin, in runway. No more gut feel on major commitments.

02
📈

Monthly Clarity Pack

A structured reporting pack built for owners — not accountants. Margins by profit centre, cash position, and where the business is heading. Delivered consistently.

03
🔮

A Forecast That Moves With You

A dynamic 3-way model (P&L, Balance Sheet, Cash Flow) you can run scenarios through in real time. What happens if we hire two salespeople in Q3? You'll know.

04
🏦

No Financial Surprises

Debt obligations, seasonal cash dips, margin pressure — we model it all in advance so you see issues coming weeks before they arrive, not the day they hit.

05
🤝

A Strategic Partner, Not a Supplier

Quarterly strategy sessions. Ad-hoc scenario modelling. Someone to call before the big decisions — not after. I sit beside you, not behind you tidying the past.

The Gap
The missing layer in most businesses:
📚 Bookkeeper — keeps the engine running
📋 Accountant — handles compliance
📊 CFO Consultant — connects numbers to strategy

Cash Anxiety → Cash Clarity

This is what actually changes when you have the right financial leadership in place.

Cash Anxiety
😰 "I'm not sure if we can afford to hire right now."
Unsure where the business is actually making money.
🤞 Hoping the cash holds up through the next 90 days.
📉 Finding out about problems after they've already hit.
😶 Sitting in bank meetings without solid numbers to back you.
CFO CONSULTANT
Cash Clarity
"Yes — we've modelled it. We can hire in Q3 and here's the impact."
📊 Clear margin reporting by profit centre, every single month.
🔮 Rolling 3-way forecast updated monthly. No more hoping.
🚨 Early warning system flags issues weeks before they arrive.
💼 Bank-ready CFO packs that show you mean business.

Simple to start.
Powerful from day one.

Every engagement begins with a Financial Deep Dive — so we're building on solid ground, not assumptions.

1

Clarity Call

A free 30-minute call to understand your business, your numbers, and what's keeping you up at night. No obligation, no sales pitch.

2

Financial Deep Dive

We validate your numbers, identify what matters, surface risks and opportunities, and build a clear, prioritised plan forward.

3

Model Built

Your custom 3-way forecast model is built using the Mango Method and integrated with Xero. Foundations set right, from the start.

4

Ongoing Clarity

Monthly reporting packs, quarterly strategy sessions, and a CFO you can call before the big decisions. Clarity as a constant, not an event.

What clarity actually
sounds like

"

My client communicated to me that it was questionable whether the businesses would have survived without his services. That's the level of impact Mark delivers.

CY
Clinton Young
YK Partners
"

Mark Liner's body of work whilst working for Chromagen was compelling. He brought genuine CFO-level rigour to every decision we made together.

JH
Jeff Hooper
Former CEO, Chromagen
"

Mark has a remarkable clarity with regard to complex matters and leads me in the right direction with confidence. I finally feel in control of the numbers.

AC
Anthony Cavallaro
Owner, Ray White City South

Six things we guarantee
from day one

Timely Delivery
Reports and insights delivered as agreed — every cycle, without chasing.
🔄
Ongoing Alignment
Scope reviewed as your business evolves — we grow with you, not around you.
Accuracy You Can Trust
Everything reconciled and reviewed. Any error corrected within 24 hours.
📁
Continuity
Fully documented systems, models, and reporting that don't live in one person's head.
💬
No Surprise Fees
Clear scope. Clear pricing. Any out-of-scope work is agreed before it starts.
🤝
A Partnership Mindset
I don't act like a supplier. I sit inside your leadership team and think like one.

The CFO who sits beside you

Mark Liner is a Chartered Accountant and registered Tax Agent with over 30 years of experience and 15+ years operating as a CFO across industries ranging from manufacturing and retail to professional services and property.

He built CFO Consultant because he kept seeing the same thing: business owners making good decisions with bad information. Gut feel filling the gap that proper financial infrastructure should occupy.

The Mango Method — Mark's proprietary Excel-based forecasting framework integrated with Xero — is the engine behind every client engagement. It's not off-the-shelf. It's built for your business.

Chartered Accountant Registered Tax Agent Xero Certified Mango Method 3-Way Forecasting Victoria, Australia

Mark Liner

Principal · CFO Consultant

🎓

Chartered Accountant

30+ years in financial leadership
📜

Registered Tax Agent

BAS Agent · ATO compliance
💼

CFO Experience

15+ years across multiple industries
⚙️

The Mango Method

Proprietary 3-way forecasting system
📞

0419 555 456

mark@cfoconsultant.com.au
Ready to make the shift?

Stop running on anxiety.
Start running on clarity.

Book a free 30-minute Clarity Call. No obligation. Just a straight conversation about your numbers, your decisions, and whether CFO Consultant is the right fit.

Or reach out directly — mark@cfoconsultant.com.au · 0419 555 456