For retail, wholesale & ecommerce

Your revenue is growing. So why is there never any cash?

Specialist accounting and fractional CFO support for Australian retail, wholesale and ecommerce businesses. We show you where your money actually is — in stock, in debtors, or in a channel that isn't paying for itself.

  • True margin by product and by channel, not a blended average
  • Stock and working capital visibility, so growth doesn't drain you
  • One fixed monthly fee, with no surprise bills
Book your free strategy session
30 minutes, no jargon, no obligation. Walk away with a clearer view of your business either way.
Your details stay private. We never share them.

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We'll be in touch within one business day to lock in a time. Talk soon.

Chartered Accountants Australia and New Zealand · Tax Practitioners Board Registered Tax Agent 26291615 · Xero Silver Partner
Sound familiar?

In a product business, profit and cash are two different stories.

Growth that eats you

Every extra dollar of sales needs stock bought before it's sold. Scale fast enough and a profitable business runs out of money — the most common way good product businesses fail.

Margin you can't see

You know your overall gross margin. You probably don't know it by product, by channel or after landed cost, freight, marketplace fees and returns. That's where it's quietly disappearing.

Stock you can't read

Some of it turns over every fortnight. Some has been on the shelf for a year and is never selling at full price. Most systems won't tell you which is which until you go looking.

What makes us different

Most accountants report on the sale. We report on what it cost you to make it.

We connect to the systems you already run and pull operational data straight through — so margin by SKU and by channel, stock turn and sell-through are measured, not estimated.

Then we translate it into the levers that move a product business: pricing, stock holding, channel mix, and the cash conversion cycle that determines how fast you can grow without running dry.

Revenue is a decision you already made. Margin is a decision you make every day — on price, on stock, on which channel gets your attention.

How we think about product businesses
What we do

One fixed monthly fee. No surprises.

We package the right mix for your business and bill it as a flat, predictable monthly fee.

Daily Bookkeeping

Reconciled every day with payroll handled, so your books are never stale.

Forecasting & Modelling

Budgets and three-way forecasts that give your business a real road map.

Compliance, Ahead of Time

BAS, tax, super and ATO obligations lodged early, so it's one less thing on your plate.

Custom Reporting

Reports built around margin by product, channel and SKU — the metrics that actually drive a product business.

Management Accounting

Monthly insight into your business as it happens, rather than a quarter behind.

Fractional CFO

High-level advice on call for the big, stressful decisions, without the cost of a full-time hire.

What happens next

A free 30-minute strategy session. No jargon, no pressure.

1

We listen

What does your business do, and what's giving you a headache right now?

2

We diagnose

Where your current setup is, and isn't, telling you what you need.

3

We map solutions

The specific improvements that connect your numbers to revenue.

4

How we work

How we'd take the books off your plate, and exactly what it costs.

5

Next steps

If it's a fit, we make it formal. If not, you leave with a clearer picture.

Why product businesses work with us

Built for product businesses.

Most accountants treat a product business like any other. We don't, because retail, wholesale and ecommerce is where we specialise.

Sector-specific reporting

Reporting built around margin by SKU and channel, stock turn and sell-through — not a generic P&L.

Stock & working capital fluent

Landed cost, freight, marketplace fees, stock turn and the cash conversion cycle are day-to-day reality for us.

Chartered & registered

Chartered Accountants and a Registered Tax Agent, so your compliance is in qualified, accountable hands.

Chartered Accountants Australia and New Zealand · Tax Practitioners Board Registered Tax Agent 26291615 · Xero Silver Partner
Before you book

The questions product-business owners always ask.

Two options. Essentials covers your compliance from $550 a month. Advisory adds monthly reporting and advisory from $2,400. We'll give you an exact number once we understand your setup.

Yes, that's usually the first thing we do. Retail, wholesale, marketplace and direct online each carry different fees, margins and payment terms. Blending them hides which one is actually carrying the business.

Usually not. We work with what you already run and connect to it. If a change would genuinely help we'll show you why, but we won't ask you to rebuild your operations to suit our reporting.

Yes. Wholesale and distribution carry the same underlying issues — stock, working capital and margin — with longer payment terms and more concentrated customer risk.

It adds landed cost, freight and currency to the margin calculation, and most importers underestimate all three. The difference between quoted cost and true landed cost is often the whole margin.

Growth is not free

The number almost nobody calculates.

Every product business has a cash conversion cycle: the time between paying for stock and being paid for it. If that cycle is 90 days and you're growing 40% a year, you are funding a permanently expanding hole — and no amount of profit fixes it, because the profit is sitting on your shelves.

Most owners discover this the month they can't pay a supplier while their profit and loss looks healthy.

Working out your cash conversion cycle is a half-day exercise. It tells you the maximum rate you can grow at without external funding, which is one of the most useful numbers a product business can have and one almost nobody calculates.

Reporting that's current, not quarterly

Your numbers, current — not last quarter's.

Our reporting connects directly to the systems you already run and pulls sales, stock and margin data straight through — so your numbers are current, not last quarter's, and margin by product and channel is measured, not estimated.

See it on your numbers →

Part of a franchise group? We handle royalties, levies and Franchising Code obligations too. More →

Stop running your business on last month's numbers.

Book a free 30-minute strategy session. Worst case, you walk away with a clearer view of your margins. Best case, you never think about the books again.

Book your free session
Free & no obligation 30 minutes No switching pressure

Or call us on (07) 3303 0298

Book a free strategy session