An outsourced CFO provides the same high-level financial insight and strategic support as a full-time Chief Financial Officer - but without the cost of a permanent hire.

At GearChange, we help Australian business owners understand their numbers, manage cash flow, plan ahead, and make confident financial decisions.

Your bookkeeper keeps your financial records in order; your accountant takes care of your tax compliance.

GearChange bridges the gap between admin and compliance - turning financial data into forward-looking advice that drives performance, profit, and growth. We work closely with your accountant or bookkeeper to ensure all bases are covered.

We focus on practical, sustainable solutions – not quick fixes that disappear once the project ends. Our approach blends deep financial expertise with real-world business experience to deliver advice that actually works.

Steven has worked in and built several businesses from the ground up to multi-million-dollar success, so he understands the real challenges of growth, people, and profit.

We act as a true extension of your leadership team, providing CFO-level insight and strategic support at a fraction of the in-house cost. Clients choose GearChange for our honesty, responsiveness, and genuine commitment to long-term results.

We partner with small-to-medium businesses across Australia, particularly those ready to grow but lacking structured financial guidance.

Our clients range from manufacturers and hospitality operators to professional service firms, trades, and retailers.

Not at all. All of our clients are small and medium Australian businesses – typically turning over between $1M and $20M – who want more clarity and confidence without the full-time cost of a CFO.

If your business is smaller than that, don’t be discouraged – we support businesses of all sizes to build strong financial foundations and plan for growth. Whether you’re a solo entrepreneur, small business owner, part of a corporate team, or running a professional services firm, we tailor our support and pricing to suit your specific goals and stage of business.

It depends on your needs.

Some clients prefer monthly strategy sessions, while others meet quarterly once key systems are in place. Between meetings, we’re always available for questions or updates - we operate as part of your extended team.

Absolutely. We help businesses build the systems, forecasts, and reporting investors and lenders expect. Whether you’re expanding, seeking finance, or planning succession, we’ll make sure your financial story is strong, clear, and investor-ready.

Yes - completely. We use secure cloud platforms and best-practice data protection methods to safeguard your business information. Your financial data remains confidential and accessible only to authorised team members.

We work with your accountant, not instead of them. Your accountant handles tax and compliance; GearChange focuses on financial strategy, performance, and decision-making. Together, we form a complete financial support system for your business.

1️⃣ Book a free consultation - we discuss your goals and current challenges.

2️⃣ We assess your needs - then recommend the right level of CFO or advisory support.

3️⃣ We onboard you smoothly - setting up systems, reports, and check-ins so you can see results fast.

We’re based in Sydney’s Northern Beaches and work with clients throughout Australia.

Our meetings can be in person or online, so distance is never a barrier to great financial support.

Yes – everything we do is customised because every business is different with its unique set of challenges and needs.

We’ll review your goals, capabilities and existing financial structure, then design a service plan that fits your business size and industry.

We believe in transparent, predictable pricing that helps you budget with confidence. Our flexible models include fixed monthly packages (our most popular option), one-off pricing for specific projects, and hybrid options that combine ongoing support with ad-hoc services.

We’re committed to being more affordable than traditional accounting firms while delivering superior value.

We do not charge hourly rates so that our clients do not feel like they are ‘on the clock’ every time they call for advice or to talk through business challenges.

During your free initial consultation, we’ll recommend the most cost-effective approach based on your needs and budget.

And because we stand by the quality of our work, we also offer a 30-day money-back guarantee if you’re not happy with our service.

Our streamlined onboarding process usually gets new clients up and running within 1–2 weeks, depending on your business setup and priorities.

We’ve designed everything to minimise disruption as we can work in the background using your accounting records to build and implement reporting that delivers immediate clarity and value.