FRACTIONAL CFO
SERVICES FOR GROWING SMEs

Strategic finance leadership for growing businesses

Tendeca Finance brings CFO-level expertise to privately held businesses, without the cost of a full-time hire. You get the financial clarity, strategic insight and forward-looking financial analysis you need to make confident decisions and grow your business.

THE PROBLEM

RUNNING YOUR BUSINESS WITHOUT FINANCIAL CLARITY?

Your bookkeeper records the past. Your accountant files the tax. But nobody is running the numbers, telling you whether you can afford to hire, whether that investment stacks up or why cash is tight when the P&L looks fine.
That gap is expensive. And it grows with your business.

  • You are profitable but cash shortages are common

  • No reliable forecasts for planning and driving growth

  • No single source of truth for performance measurement

  • Decisions often feel reactive rather than strategic

  • You are unsure of your pricing, margins and resource utilisation

  • You are spending increased time managing the finance function and less time on growing the business

If any of these sound familiar, you haven't got a bookkeeping problem. You have a common gap in your finance function.

businesses

WHO I WORK WITH

I work with privately held businesses that are growing but are not yet ready for a full-time finance executive. These businesses will typically:

  • Have turnover above $2m

  • Have a bookkeeper and tax accountant but need deeper financial oversight

  • Need cashflow visibility and better decision support

  • Want monthly clarity on performance, margins and growth drivers

  • Need a financial expert to help with driving and financing growth.

Beyond a certain size, the big decisions in your business (hiring, investing, borrowing, pricing) need expert financial analysis, which may not be available internally. This is exactly where I come in. I help founders and CEOs of privately held businesses navigate the increasingly complex finances of a growing business.

OUR SERVICES

WHAT’S INCLUDED

A complete monthly finance routine that gives you monthly clarity and confidence in your decisions.

Monthly Finance Reports

  • P&L, budget and prior period comparisons
  • KPI and margin analysis
  • Debtor days, cash position and cash runway analysis
  • Strategic analysis and commentary on the numbers

Cashflow Forecasting

  • Rolling 90-day cashflow forecast
  • Debtor monitoring and collection focus
  • Early warning on liquidity pressure points

Ongoing KPI and Budget Tracking

  • Track KPIs consistently through the year
  • Monitor margin erosion and cost drift
  • Adjust forecasts as business conditions change

Monthly Review Meeting

  • 60-90 minutes in-person or virtual
  • Interpret results and discuss drivers (price, volume, utilisation, staffing)
  • Agree on actions for the next 30 days
  • One-page “Finance Priorities” summary

Sample reports

Each month you will receive a comprehensive 7-10 page finance reports package. Here are sample pages from a technology services client report:

Sample data for illustration purposes

GETTING STARTED

Getting Started Is Straight forward

01.

Book Your Free Business Financial Discovery Session

One hour discovery session where I review your current financial setup, identify gaps and opportunities and give you practical next steps.

02.

We Design Your Monthly Finance Routine

Based on your business, I tailor the service to focus on what matters most: margins, cashflow, KPIs or growth drivers.

03.

Monthly Service Begins

Receive reliable finance reports and clear analysis from an expert who translates your data into the strategic insights you need to grow your business.

Fixed monthly retainer. No hourly billing surprises. No lock-in contracts.

BENEFITS

THE VALUE TO YOU

You are getting senior financial expertise and insight when you need it.

Make data-driven decisions
Stop relying on gut feel. Every strategic decision is backed by financial analysis and forecasting.

Eliminate month-end surprises
Know your profit position by the first week of each month. See cashflow constraints three months out.

Understand what drives your results
Finally know what factors are growing or eroding margins.

Control cashflow proactively
90-day rolling forecasts mean you see cash and working capital needs before they become urgent.

Create accountability
Monthly reporting rhythm with clear priorities keeps financial discipline front and centre.

Deliver professional reporting
Finance reports that work for banks, investors, boards and advisors, not just for you.

no retainer required

PROJECT ENGAGEMENTS

  • Investment appraisal for equipment investments, acquisitions and new ventures

  • Funding structure and capital raising preparation (equity and bank finance)

  • Dividend policy and owner remuneration strategy

  • Business valuation and financial due diligence

  • Profitability and pricing reviews

  • Budget creation and financial forecasting

Every project engagement is underpinned by rigorous financial modelling. I build a model specifically for your business case, not from a generic template. This work is on a fixed-fee project basis.

WHO YOU WILL WORK WITH

Morgan Nyamukondiwa

Fractional CFO

I bring over 20 years of senior finance experience directly to your business. My background spans working for Big Four accounting at Ernst & Young to senior finance roles at CarnaudMetalbox, BancABC and Perpetual. I trained as a Chartered Accountant and hold an MBA (Finance major) from University of Technology Sydney.I specialise in helping founders and CEOs of growing privately held Australian businesses operate with the financial rigour of a large corporate. I support them through growth, building that capability before lenders or investors start to demand it.

OUR Pricing

INVESTMENT

My fees reflect the seniority and expertise you are getting, the equivalent of a full-time CFO, engaged on your requirements. We work through your specific requirements during the free Financial Discovery Session based on your business size and reporting needs.
There will be no hourly billing surprises. No lock-in contracts.
I discuss your investment into this process during the pre-engagement phase focussing on your specific needs, your business size, transaction volume and reporting needs.

FAQs

FREQUENTLY ASKED QUESTIONS

Ready to access Strategic finance expertise for your business?

BOOK YOUR FREE BUSINESS FINANCIAL DISCOVERY SESSION

A one-hour conversation to review your financial position, discuss the challenge you are facing, whether that is ongoing financial oversight or a specific project which requires rigorous financial modelling and analysis. I will give you practical recommendations you can act on immediately. No obligation. You will get useful insights whether or not you decide to engage.

1 hour session · No obligation · Practical recommendations


Our testimonials

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Fractional CFO Services for Growing SMEs

Tendeca Finance Pty Ltd

ABN: 46666887298


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