Helping businesses move through the gears with expert CFO support.
As a business grows, decisions become more complex — hiring, pricing, expansion, investment, and cash commitments all start to overlap. Without a clear budget or financial model, it’s easy to feel unsure about what’s affordable, what’s realistic, and what risks you’re actually taking on.
Budgeting, forecasting and financial modelling give you clarity and control. They help you understand how your business is performing now, where it’s heading, and what different decisions might mean for your future. Instead of guessing, you can plan with confidence.
At GearChange, we help business owners build practical budgets and financial models that actually make sense. We take the complexity out of the numbers and translate them into clear insights you can use. Based on the Northern Beaches and working with businesses across Sydney and Australia, GearChange provides Fractional CFO support tailored to growing businesses.
Budgeting, Forecasting & Financial Modelling
Budgeting, forecasting and financial modelling are essential tools for business owners who want clarity, stability, and confidence in their decision-making. This service helps you plan ahead and understand the financial impact of your choices before you commit.
This service includes:
-
Budgets aligned to your business goals
-
Financial forecasting to understand future performance
-
Financial models for growth, expansion or investment
-
What-if scenario planning for key decisions
-
Clear, practical guidance you can actually act on
This isn’t about building complicated models that sit unused. It’s about creating clear financial tools that help you make better decisions and feel more in control of your business.
BUDGETING, FORECASTING & FINANCIAL MODELLING
Common Budgeting & Modelling Challenges We Help Solve
Many business owners come to us because they feel unsure about the future, even when the business is performing well. You might relate if:
-
You don’t have a clear budget guiding your decisions
-
You’re unsure how future growth will impact cash or profitability
-
You want to explore different scenarios before committing
-
You’re making decisions without knowing the financial impact
-
You feel reactive rather than planned
If any of this sounds familiar, it’s not a failure — it’s simply a sign that your business has outgrown informal planning. With the right financial models in place, clarity replaces uncertainty.
What It’s Like Working With Steven
Steven brings calm, clarity and structure to what can feel like overwhelming numbers. He works with you to build financial tools you understand — not just reports that look good on paper.
When you work with GearChange, you can expect:
-
Clear, jargon-free conversations
-
Supportive guidance through complex decisions
-
Practical models explained in plain English
-
Confidence when planning for the future
You won’t be handed a spreadsheet and left to work it out alone. Steven walks you through the numbers, answers questions, and ensures you feel confident using them.
Who This Service Is For
Budgeting, forecasting and financial modelling is ideal for:
-
Growing small to medium-sized businesses
-
Business owners planning growth or expansion
-
Founders preparing for investment or funding
-
Business owners who want clarity before making big decisions
Whether you’re planning your next move or simply want more control, this service adapts to where your business is right now.
BUDGETING, FORECASTING & FINANCIAL MODELLING
TRUSTED BY MANY
Serving Northern Beaches, Sydney & Australia-Wide
GearChange works with businesses across the Northern Beaches — from Avalon through to Manly — as well as across Sydney. If you’re located outside Sydney, Steven works seamlessly with clients Australia-wide through online meetings and cloud-based tools.
No matter where you’re based, you’ll receive the same level of personal support and CFO-level insight.
Frequently Asked Questions
Do I need financial modelling if my business is small?
Yes. Financial modelling is especially valuable for small and growing businesses making important decisions with limited margin for error.
Can you help me understand different growth scenarios?
Absolutely. Scenario planning is a core part of this service and helps you explore options safely before committing.
Is this different from cash flow forecasting?
Yes. While cash flow forecasting focuses on timing of cash, budgeting and modelling look at the broader financial picture and longer-term decisions.
Do you work with clients remotely?
Yes. Many GearChange clients work with Steven entirely online from across Australia.
LET'S TALK
Let’s Talk It Through
If you want more clarity around your numbers, future plans, or upcoming decisions, a conversation is the best place to start. Steven will help you understand your options and build a plan that feels realistic and achievable.
Book a strategy call and take the first step toward clearer, more confident financial planning.