Helping businesses move through the gears with expert CFO support.
GETTING STARTED IS EASY
How We Help – in 4 Simple Steps
01
Book A Free Consultation
We discuss your business challenges.
02
Tailored CFO Plan
You get clear business reports and roadmaps.
03
Implementation & Support
We help you make better business decisions.
04
Growth & Clarity
Your business moves forward with confidence.
HERE TO HELP YOU GROW
Dedicated to Supporting Growing Businesses
Affordable, experienced financial and commercial support for your business at a fraction of the cost of a full-time employee.
Business Owner Experience
A CFO with real experience of running a business who understands the challenges and pressures that come with being a business owner.
Bespoke Solutions
All businesses are different. Our models and reporting reflect the specific needs of your business.
Relationship Focus
Business is built on trusting relationships. As your trusted business advisor, we focus on what is important to you.
PROVEN METHOD
Our Distinct Approach
Know Your Numbers
We provide visibility and clarity of your business performance, helping you understand what is working well and where there are opportunities to improve. We integrate seamlessly with your existing team and advisors, saving you the cost of hiring a full-time role.
Build A Plan
Gain peace of mind from knowing that you have a financial plan to achieve your business goals. Tools such as budget and cash flow forecasts allow you to set targets and monitor performance.
Drive Growth
We take the pressure off your team.
We don’t just “manage the numbers” — we turn them into strategy. By providing clear insights and forward-looking advice, we help you unlock growth opportunities and make confident decisions. Whether it’s scaling up, preparing for investment, or stabilising cash flow, we’re the finance partner that grows with you.
TRUSTED BY MANY
Testimonials
“Steven has been providing outsourced CFO services to Barrack through GearChange. He has taken the time to understand our business, and his ability to translate complex financial data into actionable insights has been invaluable. His support and advice on financial planning. budgeting. and strategic advice is helping us to make important business decisions. We are very satisfied with the services Steven has provided. and I highly recommend him and GearChange.”
- Charles Gow-Gates,
Managing Director at Barrack Broking
“We have been working with Steven for a few months now and already seeing the benefits of his expertise and guidance. We now have a much clearer picture of how our business is performing and where it is heading. Steven's extensive personal experience as a CFO and business owner has enabled him to relate to and understand our business very quickly, work independently, ask great questions and give an objective view on issues and strategy.
Although Steven is external to our organisation he already feels like part of the team. We are truly grateful for his support.“
- Laura Napier,
Director at Advocates Online
“Working with Steven and GearChange has made a huge difference to my small business. They've guided me through setting up accounting software, helped me understand BAS and GST, and provided invaluable advice during my transition from a partnership to a company. Steven is knowledgeable, calm, and always quick to respond. Everything runs so much more smoothly now — I highly recommend GearChange to any small business owner.”
- Dr Xanthe,
All in One Home and Garden Services
POWERING YOUR NEXT MORE
The GearChange Advantage
Are your financial foundations solid enough to support your next stage of growth?
Do you know what levers to pull to improve business profitability and optimise your cash flow?
This comes from knowing that you are working alongside an experienced and commercial adviser to your business.
Your outsourced CFO monitors and reports on financial performance, leaving you to focus on running the business.
Clear planning provides the roadmap to follow for success; a forward-looking cash flow forecast ensures you have the working capital to get there.
Your outsourced CFO optimises both profitability and cash flow to support the business along the way.
GET STARTED
Book a free CFO consultation and receive a tailored assessment for your business.
Are you spending too much time worrying about cash flow or struggling to get clarity on your numbers? Many business owners know something isn’t quite right financially, but don’t have the time or expertise to fix it. That’s where we come in.
During your free assessment, we’ll provide a gap analysis of your current financial setup and provide tips where you could save money, improve cash flow and learn what to look for to improve performance. You’ll walk away with clear, actionable insights – no jargon, no pressure.
Take the first step toward financial clarity today.
Get Your Free
Assessment Now
BLOG
Financial Insights That Drive Smarter Decisions
Scaling a small or medium business means much more than boosting sales, it requires financial clarity, forward‑planning, and continual calibration.
From 1 July 2025, the Australian Taxation Office (ATO) no longer allow tax deductions for its interest charges, known as the General Interest Charge (GIC) and Shortfall Interest Charge (SIC).
As a small business owner, managing the daily grind is no small task. But if you're not thinking about where your business is heading in the next few years, you're flying blind and there is a risk that your business will just drift.