Finance Partner (Cashflow & Decision Support)
We help trade businesses get clarity on cashflow, margins, and decision risk — without hiring a full-time finance manager
About Us
Belinda Donovan
Belinda has over 20 years’ experience in accounting and finance, with a degree in Accounting from the University of Queensland. She works with business owners who want fewer financial surprises and more confidence in day-to-day decisions. Belindas' focus is practical, clear financial support that fits how real businesses actually operate.
Working alongside existing bookkeepers and accountants, bridging the gap to help owners understand what the numbers are really telling them and where risks or pressure points may be building. Belinda is passionate about turning financial information into something useful — reducing surprises and supporting better decisions that helps businesses grow.
Commercial Financial Health Review
Who this is for
This review is designed for trade and construction businesses with established or growing teams, who have outgrown basic bookkeeping and standard reports, and need clearer commercial insight to support upcoming decisions.
It is most useful where:
- cashflow feels tight despite solid revenue
- margins are inconsistent or unclear
- hiring, equipment purchases, or tenders feel financially risky
- you would like a senior financial perspective without hiring a full-time finance manager or CFO
What this review does
This is a one-off, senior financial review focused on improving visibility and reducing uncertainty.
I review your recent financial information and provide clear, practical insight into:
- near-term cashflow pressure points
- margin risk signals within the business
- upcoming financial commitments and timing risks
- the financial considerations behind key upcoming decisions
The focus is on identifying issues early and helping you think through decisions — not producing reports for the sake of it.
What’s included
A high-level review of short-term cashflow (typically 6–12 weeks) to identify pressure points, timing risks, and periods requiring closer attention.
- Margin Signals Review: A review of recent job or cost information to identify patterns where margins may be under pressure.This is not a forensic audit or job-by-job analysis — the aim is to surface commercial signals, not assign blame.
- Compliance Timing Awareness: Visibility over upcoming tax, super, and statutory obligations to highlight risk windows, without duplicating or replacing your accountant’s role.
- Decision Framing: Clear financial considerations to support upcoming decisions such as:
- hiring additional staff
- purchasing equipment
- pricing or tendering for larger work
This is guidance and framing — not approval, instruction, or outcome ownership.
How this works
- This is a fixed-scope, professional engagement
- I work alongside your existing accountant and bookkeeper, not instead of them
- No operational execution is included
- No ongoing commitment is required
What this is not (important)
This review does not include:
- bookkeeping or payroll
- tax advice or compliance sign-off
- day-to-day finance management
- operational decision-making
It provides commercial financial insight only, so you can make informed decisions with greater confidence.
Outcome
At the end of the review, you should have:
- clearer visibility over short-term cashflow
- better understanding of where margin risk may be building
- reduced uncertainty around upcoming financial decisions
- a clearer sense of what the next sensible step looks like
Investment
Fees typically range from $1,500 to $2,500 + GST, depending on business size and complexity.
The scope and fee are confirmed upfront before any work begins.
There is no obligation to proceed with ongoing support.
This review provides financial insight and decision framing only. It does not replace management responsibility, accounting services, or operational decision-making.