Your business finances. Fully handled. So you can lead with clarity and confidence.
At a certain stage in business, you realise that doing it all yourself isn’t just exhausting—it’s limiting your growth.
The invoices. The payroll. The tax deadlines. The cash flow stress. Every one of them is important. But none of them are where your time is best spent.
That’s why we created Thrive CFO - our done-for-you financial management service, exclusively for Thrive clients who are ready to scale without carrying the financial admin load on their back.
When you step into Thrive CFO, you get more than bookkeeping and tax. You get a dedicated CFO partner in your corner—someone who knows your numbers, manages the detail, and helps you make smart decisions for the future.
Because when your financial systems are steady and structured, you can finally stop second-guessing and start leading.
What’s Included:
We take care of your full financial function—so you can stay focused on leading your team, growing your revenue, and making the right calls.
- Bookkeeping & Cash Flow Management - Bank reconciliations, supplier payments, chasing debtors, and cash flow planning—all handled smoothly behind the scenes.
- Payroll (via Smartly) - Your team paid accurately and on time, every time, without the admin headache.
- Tax Compliance & Management - GST, PAYE, and income tax—lodged, managed, and cash flow planned so you’re never caught short.
- Year-end Accounting & Tax Returns - We manage your annual accounts and shareholder tax returns, keeping you compliant and crystal clear on your position.
- Thrive CFO Advisory - Your trusted financial sounding board—giving you insights, context, and guidance to ensure your numbers actually fuel your business goals.
Who is this for?
Thrive CFO is only available to clients in our programs - Thrive Jumpstart, Thrive Without Sacrifice or Thrive Beyond Business.
This service is for entrepreneurs who:
- Want to hand off the financial admin so they can focus on strategy and growth
- Need a reliable partner keeping their financial systems in order
- Value having a CFO-level advisor guiding their decisions, not just “a bookkeeper doing the books”
Important to note: Thrive CFO is a complete, fully managed finance solution. That means we take care of everything—bookkeeping, payroll, compliance, tax, and CFO-level support—in one place. We don’t split responsibilities with external accountants, because it creates gaps and confusion. When you join Thrive CFO, our team becomes your finance team.
Some clients keep it simple—just bookkeeping and compliance. Others hand over their entire financial function knowing they’ve got an expert team running everything seamlessly in the background.
How it Works
Apply – Start with a short application so we can confirm fit.
Onboarding – We set up systems, get access to what we need, and streamline your financial function.
We Run Your Finance – From bookkeeping to tax, payroll to cash flow, everything runs smoothly in the background while you focus on growing your business.
A client story
When Neil joined Thrive CFO, he was still managing payroll, reconciling accounts, and juggling tax deadlines himself. It was eating up his headspace and pulling him away from strategic decisions that would actually grow the business.
By handing over the financial function to us, Neil now has a streamlined system where everything runs without him lifting a finger—payroll, bookkeeping, compliance, tax, and cash flow.
The result?
- More time to lead and expand his business
- Clarity to make big decisions with confidence
- A trusted CFO partner who has his back
Why Thrive CFO?
This isn’t a cookie-cutter bookkeeping service. It’s a highly tailored CFO solution that gives you exactly what you need to feel in control of your finances—without the overwhelm.
With Thrive CFO:
- Your financial backend is managed with precision and care
- Your cash flow and compliance are always clear and under control
- You get back time, energy, and clarity to focus on what matters most
It’s financial management done the Thrive way—steady, structured, seamless.
Book a compatibility call today to see if this service is a good fit for your business.
Thrive CFO is a fully managed service. When you join, we become your complete finance team—replacing your existing accountant and handling everything under one roof. Here’s a summary of the differences:
| Role | What They Do | What's Missing |
|---|---|---|
| Bookkeeper | Records transactions, reconciles accounts, processes invoices | No forward planning, no compliance management, no strategic insight |
| Accountant | Prepares year-end accounts & tax returns | Focuses on compliance only, limited day-to-day visibility |
| CFO | Oversees financial strategy, cash flow, forecasting, and decision support | Doesn’t usually handle bookkeeping or tax compliance |
| Thrive CFO | All of the above —bookkeeping, payroll, compliance, tax, and CFO-level advisory managed under one roof | Nothing is missing. This is your complete finance team. |
Frequently Asked questions
Do I need to change from my existing accountant?
Yes. Thrive CFO is a fully managed service, which means we take care of everything from bookkeeping through to tax returns and year-end accounts. We’ve found that trying to split responsibilities with an external accountant doesn’t serve clients well—so we only provide this service when we are your full finance team.
How do you work with me day-to-day?
You’ll have a dedicated point of contact at Thrive. We use Xero, Smartly, and simple communication tools (email, Zoom, shared folders) to keep everything running without friction.
How much revenue should I have before Thrive CFO makes sense?
Most of our CFO clients are already into the multi-six-figure range and growing—but the real question is whether financial admin is pulling you away from leading. If you’ve outgrown DIY bookkeeping and want CFO-level support, you’re ready.
What's the difference between this and just hiring a bookkeeper?
A bookkeeper keeps your records tidy. A CFO looks ahead, manages cash flow, and helps you make decisions. With Thrive CFO you get both—plus compliance and advisory support—under one roof.
Is this outsourced or in-house?
We manage everything directly with our Thrive CFO team. You’re not dealing with faceless contractors—you’re working with a partner who knows your business and supports you long term.
How much does it cost?
Pricing is tailored to your business stage and scope of needs. Once we understand your requirements, we’ll give you a clear proposal—no surprises.
How quickly can we get started?
Once you’re accepted into Thrive CFO, onboarding usually takes 2–3 weeks. After that, you’ll feel the difference immediately as your financial admin shifts off your plate.