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Virtual CFO (VCFO) /Part-time CFO/ Fractional CFO Service 

Expert financial guidance — without hiring a full-time CFO.

Strategic financial management, cash flow discipline, and business advisory delivered by Chartered Accountant Carol Cheng, with 25+ years of experience supporting businesses in NZ and cross‑border markets.

female cfo presents strategy to the board in a room

Why Choose a Virtual CFO?

Get expert financial strategy, improved cash flow and clear reporting 
— at a fraction of the cost of hiring a full‑time CFO

What We Do 

Strategic CFO Support

  • Financial strategy and planning

  • Financial management and performance improvement

  • Business growth support

  • Guidance for major decisions, including M&A, investment, and restructuring

Risk heat map

Risk Management & Internal Controls

  • Risk assessment

  • Financial controls

  • Fraud prevention

  • Governance support

Risk heat map, risk assessment tool

Cash Flow & Performance Management

  • Cash flow forecasting

  • Budgeting and financial reporting

  • Profitability analysis

  • Early warning financial insights

China Market & Cross-Border Expertise

  • Advisory for entering the China market

  • Support for connecting or negotiating with Chinese investors

  • Cross-border transaction advisory, including China strategy, due diligence 

  • Cultural and business negotiation guidance

Who We Help 

SMEs, growing businesses, import/export companies, startups and NZ firms exploring China opportunities 

Our Packages

female VCFO reads financials with a laptop and a cellphone

Starter VCFO

​For small businesses who want better financial control

  • Monthly financial review

  • Cash flow forecasting

  • Basic budgeting

  • Emails/online support

female CFO meets a male client to discuss KPIs

Most popular

Growth VCFO

For growing SMEs needing strategic guidance

  • All Starter VCFO features

  • Monthly virtual CFO meeting

  • Profit & performance analysis

  • KPI dashboard

  • Scenario planning

a woman CFO present strategy to a board with a goupr of people's hands on the table and KPIs

Strategic CFO

​For businesses preparing for scale, investors, or expansion

  • All Growth VCFO features

  • M&A support

  • Investor‑ready reporting

  • Board‑level financial insights​

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