F \n CFO Consultant | From Cash Anxiety to Cash Clarity
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Fractional CFO Services · Melbourne & Australia-Wide

From
cash anxiety
to cash clarity.

When you can't see clearly, every decision costs more than it should.

You've built a real business — turnover in the millions, a team behind you, real opportunity ahead. But the decisions are bigger every day. And you're still making them without knowing if your numbers actually stack up.

Financial fog has a cost. Not just sleep — timing, growth, profit.

Book a Clarity Call See how it works →
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The Reality

Your bookkeeper closes the month.
Your accountant files the return.
Whose helping you look ahead?
That's the gap — and it gets wider every day.

You're not the only one. The compliance is handled. The books are clean. But when a real decision lands — hiring, expansion, a new investment — there's no financial model to test it against. Just gut feel and hope. It doesn't always work out.

Watch: Is your business flying blind?

Mark Liner gives you the forward visibility to move with confidence: a rolling 13-week cash forecast, monthly reporting built for decisions, and a CFO to give you directness, simplicity and certainty.

Case Studies

The Reality Beyond the Ledger.

Discover how fractional CFO leadership untangles complex operations, exposes hidden leaks, and replaces financial uncertainty with absolute control.

Case Study One
Case Study One

One Bucket, Three Businesses

We built three related companies over a decade, but we couldn't say with confidence whether we'd be able to pay our bills in three months' time. Success was masking fragility.

Read how a fractional CFO untangled the numbers
Case Study Two
Case Study Two

The Customer You Can't Afford to Keep

Revenue feels like success, and a large client looks like a large win. But what happens when your biggest account is actually the one quietly draining your business? Discover why gross profit hides the real cost of your most demanding clients.

Read this strategic case study on true client value
Case Study Three
Case Study Three

From Fog to Clarity

A figure you can read but cannot rely on is worse than no figure at all — it gives you the confidence to keep going without the financial basis for it. For a 45-year-old retailer, fixing the ledger finally provided the clarity needed to make the right decision.

Read this vital case study on financial truth
The Shift

Changes that actually work

This is what actually changes when you have the right financial leadership in place.

Cash Anxiety
😰 "It's a risk to hire right now."
❓ "We should be making money, aren't we?"
🤞 "We'll probably run out of cash at some point."
📉 Sorting out the despair of unseen problems.
😶 Facing the bank manager with only unreliable assumptions.
↓
CFO CONSULTANT
↓
Cash Clarity
✅ "Yes — we've modelled it. We'll hire in Q3 and here's the result."
📊 Numbers show a solid result and a few things to work on.
🔮 Rolling real time 3-way forecast. No more hoping.
🚨 Early warning system flags issues in time to resolve.
💼 Bank-ready CFO packs that show you understand your business future.
Start the shift today
Getting started

Four steps to financial clarity

Every engagement starts with a real understanding of your numbers and how your business operates. Strong foundations set future standards.

1

Clarity Call

Tell us about your business, your numbers, and what's keeping you up at night. If there's a fit, we talk about next steps. If there isn't, I'll tell you.

2

Discovery Session

We go through your actuals, your margins, your cash position, and your obligations. We identify where the business is strong, where it's exposed, and what the model needs to reflect.

3

Build Your Reliable Forecast Model

For the first time, you have visibility of the impact every change has on your Profit and Loss, Balance Sheet, and Cash Flow. The decisions that used to feel like guesses finally have meaning.

4

Ongoing Clarity, Every Month

Monthly reporting packs. Quarterly strategy sessions. An on call CFO helping you commit to your future.

In Their Words

What it sounds like when the numbers
finally make sense

"

My client told me the business may not have survived without Mark's involvement. That's not a compliment about his reporting. That's about what happens when someone finally connects the financial picture to the decisions being made.

CY
Clinton Young
YK Partners
"

Mark brought genuine CFO-level rigour to every decision we made together. Not just the analysis — the judgement about what the numbers meant and what to do about them.

JH
Jeff Hooper
Former CEO, Chromagen
"

Mark has a way of cutting through complexity and pointing you in the right direction with real confidence. For the first time, I feel like I actually understand my own business's finances.

AC
Anthony Cavallaro
Owner, Ray White City South
How We Work

What you can always expect

These aren't aspirations. They're the baseline of how every engagement runs.

⚡
Delivered on Time, Every Cycle
Reports and insights arrive as agreed — for you to depend on.
🔄
We Grow With You
As your business evolves, so does the engagement. Scope adjusts as your needs do — always relevant, never a redundant investment.
✅
Numbers You Can Trust
Everything reconciled and reviewed. Ready for your next decision.
📁
Systems That Don't Live in One Person's Head
Fully documented models and processes. Available for you going forward towards your goals.
💬
Clear Scope. No Surprise Fees.
You'll always know what's included. Anything outside the agreed scope is confirmed before it starts — never invoiced after the fact.
🤝
A Partner, Not a Supplier
Reach out between sessions — real advice, when you need it, to keep the business moving forward.
Our Team

30 years of CFO experience.
Built for businesses like yours.

Mark Liner is a Chartered Accountant and with over 30 years of experience and 15+ years operating as a CFO across industries ranging from manufacturing and retail to professional services and property.

He built CFO Consultant because he kept seeing the same pattern: business owners making consequential decisions — hiring, investment, expansion — without anyone who could model what those decisions actually meant for the business's future.

The Mango Method is Mark's proprietary forecasting framework — a 3-way rolling model (P&L, balance sheet, cash flow) built in Excel and integrated directly with Xero. It's tailored for each client, to better understand how the business works today and how to achieve the owner's desired outcome faster and easier.

Mark works with owner-led businesses across Australia, primarily with annual revenue between $2M and $50M. If that's you, and you're making challenging growth decisions on speculation and demand financial clarity with more certainty — that's exactly the gap he fills.

Chartered Accountant Xero Certified

Mark Liner

Principal · CFO Consultant

🎓

Chartered Accountant

30+ years in financial leadership
💼

CFO Experience

15+ years across multiple industries
📞

0419 555 456

mark@cfoconsultant.com.au
The next step is simple

Book a Clarity Call.
Thirty minutes.
No obligation.

Truth first. Consulting job second.

We'll talk about your business, your numbers, and what financial clarity would actually mean for the decisions you're trying to make. If it's a fit, we'll talk about next steps. If it's not, I'll tell you that too. Either way, the call is worth your thirty minutes.

Book a Free Clarity Call

Or reach out directly — mark@cfoconsultant.com.au · 0419 555 456