Helping businesses move through the gears with expert CFO support.
Stronger Cash Flow, Clearer Forecasts
When you’re running a growing business, cash flow uncertainty can be one of the biggest sources of stress. Even profitable businesses can feel constantly on edge when it’s unclear what’s coming in, what’s going out, or how safe it is to invest, hire, or grow. This is where cash flow management and forecasting makes all the difference.
At GearChange, we help business owners understand their cash position clearly, plan ahead with confidence, and remove the guesswork from financial decisions - in a clear, supportive way. Based on the Northern Beaches and working with businesses across Sydney and Australia, GearChange provides Fractional CFO support tailored to growing businesses.
Cash Flow Visibility for Owners
Cash flow management and forecasting is one of the most important services a Fractional CFO provides, and one of the most common reasons business owners reach out for support.
This service includes:
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Cash flow forecasting tailored to your business
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Understanding timing gaps between receipts and payments
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Releasing cash flow stuck in working capital cycles
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Identifying cash pressure points before they become problems
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Providing clear practical guidance on funding options to support growth
This isn’t about complex spreadsheets that sit unused. It’s about clarity, confidence, and knowing where your business stands now - and where it’s heading next.
CASH FLOW
Common Cash Flow Challenges We Help Solve
Many business owners come to us feeling overwhelmed, unsure, or carrying the financial stress on their own.
You might relate if:
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Your business looks profitable on paper, but cash still feels tight
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You’re constantly juggling to make payroll or other cash commitments
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You make decisions based on your bank balance rather than a cash flow forecast
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You’re unsure how much you can safely spend or invest to grow
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Growth feels risky rather than planned and exciting
If any of this sounds familiar, you’re not doing anything wrong - you just need better financial clarity and support, we can help you with this.
What it’s like working with Steven
Steven isn’t your typical corporate CFO. He’s approachable, calm, and genuinely invested in helping business owners feel supported and confident in their decisions.
When you work with GearChange, you can expect:
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Clear, jargon-free conversations
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Calm, supportive guidance
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A practical, down-to-earth approach to complex numbers
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Confidence when making important decisions
You won’t be handed a spreadsheet and left to figure it out alone. Steven works alongside you, explaining things clearly and helping you feel confident every step of the way.
CASH FLOW
Who This Service Is For
Cash flow management and forecasting is ideal for:
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Growing small to medium-sized businesses
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Business owners feeling cash flow pressure despite steady revenue
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Founders preparing to scale, hire, or invest
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Business owners who want clarity before making big decisions
Whether you’re navigating growth or simply want peace of mind, this service adapts to where you’re at.
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 a CFO if I already have an accountant?
Yes - accountants focus on compliance and historical reporting, while a Fractional CFO helps you plan forward and make strategic decisions.
Can you help if my business is growing quickly?
Absolutely. Cash flow forecasting is especially important during growth to avoid unexpected pressure.
Is this suitable for small businesses?
Yes. Fractional CFO services are designed specifically for small and growing businesses that need senior-level support without a full-time CFO.
Do you work with clients remotely?
Yes. Many GearChange clients are based outside Sydney and work with Steven entirely online.
LET'S TALK
Let’s Talk It Through
If cash flow feels uncertain or you’re simply looking for clarity and confidence, a conversation is the best place to start. Steven can either meet you in-person or by video call and help you work through your options clearly and calmly.
Book a strategy call and take the first step toward calmer, clearer financial decisions.