A Virtual CFO provides senior-level financial leadership to a business without the cost of hiring a full-time Chief Financial Officer. At Informed Decisions Consultancy, our Virtual CFO services support New Zealand SMEs with cash flow management, budgeting, forecasting, financial strategy, and decision making. This allows business owners to gain clarity and confidence in their finances while remaining flexible and cost-effective.

If you’re making important financial decisions, experiencing cash flow pressure, planning for growth , or engaging with banks or investors, a Virtual CFO can add significant value. Many New Zealand business owners don’t need a full-time CFO but still benefit from expert financial guidance. A Virtual CFO provides that expertise on a flexible, scalable basis.

An accountant typically focuses on historical reporting, tax compliance, and statutory accounts. Whilst we are able to offer these services a Virtual CFO focuses on forward-looking financial strategy. Our Virtual CFO services help businesses understand future cash flow, profitability, funding requirements, and growth opportunities. In many cases, we work alongside your existing accountant to provide strategic financial support rather than replace them.

The first step is an initial conversation to understand your business, challenges, and goals. From there, we recommend a tailored Virtual CFO or financial guidance engagement aligned to your needs. You can contact Informed Decisions Consultancy through our contact page to arrange a no-obligation discussion.

Informed Decisions Consultancy provides Virtual CFO and financial guidance services to New Zealand businesses. Our services include cash flow forecasting, budgeting and management reporting, business valuations, transaction and funding support, and strategic financial planning. We focus on helping business owners make well-informed financial decisions with confidence.

We primarily work with small to medium-sized businesses across New Zealand, including owner-managed businesses and growing SMEs. Our clients often operate in industries where strong cash flow management and financial clarity are critical to success. We tailor our financial guidance and Virtual CFO services to suit each business’s unique challenges and goals.