About Us

A Virtual CFO is the perfect alternative for small business not yet ready to afford a fulltime CFO. You receive all the same benefits and support that your business needs.

Our consultancy service ensures you are better equipped to drive your business. From budgets, manuals and management reports so you create and most importantly KEEP profits.


We identify your problem areas and potential profit creators – so you are more knowledgable and confident in your business.

We can get your business vertical, through financial processes and procedures, such as training and improvements in your systems.

Follow up and manage debtors.

Our analytical financial reports will provide clarity for better business decisions.

  • Debtor follow up

  • Phone/Skype/Email/One on One 24/7/365

  • Analysis and interpretation of financial reports

  • Making sense of financial data

  • Health checks

  • Preparation of financial performance reports and forecasts to assist with business planning

  • Budgets

  • Profit & Loss

  • Balance Sheet (ROA eg employees)

  • Equity

  • Cashflows

  • Monthly, bi monthly, quarterly, half yearly or annual one on one meetings

  • Process Improvements

  • Internal controls

  • Office procedures

  • Training

  • System reviews (quality control)

  • Compliance

  • Policies and procedures

  • Insurance policy renewal

  • ATO

  • Workcover



Terena Lane is a member of the Virtual CFO association.  With over twenty years financial reporting experience she brings much knowledge and expertise to clients’ reporting and financial operations.

She is competent dealing with a broad range of industries – whilst educating clients the “need to know” financial information about their business.

“Driven by my passion to assist other businesses align their financial practices, systems and reporting, I stepped into the world of VCFO consulting.  I am now proud to say I have worked with over 70 clients in industries including construction, hospitality, retail, manufacturing, health and community.”

Terena Lane (Director)

A Virtual CFO is an affordable alternative to hiring fulltime. Terena helps you shape and grow your business to the level you want to achieve. You can breathe a sigh of relief that your finances are in trusted hands.




Two partners purchased established ladies’ clothing business with shop front and had no previous business experience to develop correct procedures and financial disciplines.


Collaborated with owners regarding best retail software and accounting program and steered them through employment procedures, overview of financial requirements and compliance with ATO and ASIC. Monthly meetings held to discuss income statement, cashflow and best practices moving forward with growing business.



Outsourced as a Virtual CFO provider for clients that require further assistance with training of administration and financial staff and require flexibility for visits when business matters arose.


Currently visit 10+ clients either remotely or one on one for matters including financial reporting analysis, bookkeeping training, administration procedures, best practices, job costing, update previous financial years’ records, procedure manuals, workcover procedures and BAS lodgements.



Busy entrepreneur needed CFO at need to come on board to manage financials for multiple developments.


Commenced business relationship in 2000 and have worked with client over several developments, at times up to three developments concurrently. Able to work remotely updating financials and conferring with developer, project manager, financial lenders, accountant and investors.


Terena Lane – Director
PH: 0411 878 910

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