Budgeting
A plan the business can be run against
A budget built bottom-up from how the business actually operates, so it’s something the team can steer by rather than a document filed in January.
Finance
Run it with visibility, not vibes
Finance is how leadership maintains control. Most growing businesses are financially blind — we give you the budgets, visibility and reporting to make smart calls fast.
- Supporting businesses with $10M+ in combined annual revenue
- 100% local team, based in Rozelle, Sydney
- Budgeting
- Actual vs budget reporting
- Cost control
- Spend accountability
- Margin visibility
- Performance reporting
- Scenario thinking
- Commercial decision support
Proven success
Our Ventures
Our Clients
Included services
Know what the numbers are saying.
A clear P&L, payment reconciliation and sales reporting make the next decision easier. These examples show the shape of the reporting, using fictional figures.
Read the example figures
Revenue $120,000; cost of sales $48,000; gross profit $72,000; operating expenses $48,000; operating profit $24,000. Budget operating profit $21,000. Operating margin 20%. Excludes GST, interest and income tax.
| Line | Actual | Budget |
|---|---|---|
| Revenue | $120,000 | $115,000 |
| Cost of sales | $48,000 | $46,000 |
| Gross profit | $72,000 | $69,000 |
| Operating expenses | $48,000 | $48,000 |
| Operating profit | $24,000 | $21,000 |
Read the example figures
Starting balance $8,000 + charges $120,000 − refunds $2,000 − fees $3,600 − payouts $112,000 = ending balance $10,400. Daily subset for 30 September: charges $4,200 − refunds $80 − fees $126 = net activity $3,994 before payouts. Sample fee amounts are not a Stripe rate quote.
| Movement | Amount |
|---|---|
| Starting balance | $8,000 |
| Charges | $120,000 |
| Refunds | $2,000 |
| Fees | $3,600 |
| Net activity | $114,400 |
| Payouts | $112,000 |
| Ending balance | $10,400 |
Read the example figures
Gross sales $96,000 − discounts $3,000 − returns $2,000 = net sales $91,000. Net sales $91,000 + tax $9,100 + tips $900 = total collected $101,000. No gift cards, service charges or partial payments in this example.
| Line | Amount |
|---|---|
| Gross sales | $96,000 |
| Discounts | $3,000 |
| Returns | $2,000 |
| Net sales | $91,000 |
| Tax | $9,100 |
| Tips | $900 |
| Total collected | $101,000 |
Illustrative data only. These are custom reporting examples, not client results or live Stripe or Square accounts.
How Finance fits in
Part of the Predictable Growth Engine
Finance is Step 4. It’s the part that tells you whether the rest of the engine is actually working. Without it, growth is just a slow-motion car crash.
With it, every decision upstream gets sharper. You know your cost per acquisition, your margin by line, and what happens if revenue dips.
How we run finance
See it. Plan it. Own it. Decide.
Baseline
Get the real numbers
We get the real numbers in one place: P&L, payments, sales and spend, cleaned up so everyone's looking at the same truth.
Budget
Build a plan you can run against
A budget built bottom-up from how the business actually operates, with spend categories and margin targets by line.
Report
See it while you can act
Actual vs budget, by line, on a regular rhythm — weekly where it matters — while there's still time to act.
Own
Give every line an owner
Every budget line gets an owner who can see their own numbers in real time and is expected to explain them.
Decide
Make the big calls with data
Scenario modelling and commercial decision support for pricing, hiring, expansion and investment calls.
What you walk away with
Numbers you can run the business on
- An operating budget
- A weekly or monthly actual-vs-budget report
- Margin views by product, site, channel or customer
- A leadership reporting pack in the same shape every period
- Spend categories with named owners
- A cost-control review
- Scenario models for key decisions
- Live dashboards inside your existing stack
Featured case studies
How we’ve kept our ventures and clients in control of the numbers
We track everything inside the same tech stack, so every owner and team lead can see exactly where they sit against budget in real time. That visibility is part of what is taking the business from losing money toward a clear path to $1M in profit and a second store in a premium location.
Questions
The things founders ask about the numbers
- A year-end P&L tells you what happened. We set up budgets, owners and actual-vs-budget reporting, so you see what's happening while you can still do something about it.
- We report from the systems you already use, like your accounting platform, payments and point of sale, and pull them into one view.
- No. It matters most when you're growing fast and the founder still has the numbers in their head. That's exactly where we started with Super Mercato.
- The same way as the rest of the machine: a fixed-price project for a defined piece of work, or blocks of hours you draw down against for ongoing work.
It's time for action
Let's put this part of the machine to work.
This is one part of the engine. The real value comes when it's connected to the rest: product, sales, operations, and finance working together. Let's map out which parts your business needs first.
We're a 100% local team, based in Rozelle, Sydney
FEATURED CASE STUDIES
Proven success
Azura Financial
We built Azura Financial's WordPress website, including broker profile pages and interactive tools like a Home Loan Health Check and a funding calculator that capture enquiries and route them to the right broker. Since handover we've kept improving it: a calculator rework, new SMSF and commercial lending pop-ups, and a move to faster managed hosting.