A man standing on a bush lookout watching the sun rise over Sydney Harbour

Fractional CFO for Australian healthcare providersClear numbers. Confident decisions. A stronger business.

We work part-time inside NDIS providers, aged care operators, medical clinics, doctor practices and allied health businesses. You get a senior finance partner who tells you what the numbers mean and what to do next, without paying for a full-time CFO.

  • Financial clarity
  • Practical strategy
  • Experienced partner
  • Sustainable growth
  • NDIS providers
  • Aged care and home care
  • Medical clinics
  • GP and specialist practices
  • Allied health

The problem

Why do well-run healthcare businesses still run short of cash?

Usually because the clinical side has grown faster than the finance side. The work is good and demand is there, but nobody senior is watching cash, margins and funding rules week to week.

Revenue is up, the bank balance isn't

Claims are paid late, wages go out every fortnight, and a busy month can still leave you short. Most providers we speak to can't say where next quarter's cash will land.

The rules keep moving

NDIS price limits change each July. Aged care has a new Act and a new home care program. Medicare incentives changed in November 2025. Each change shifts your margins.

Decisions made on gut feel

Hiring another clinician, opening a second site or dropping a service often gets decided without a forecast, because nobody has had time to build one.

Your evenings belong to spreadsheets

You trained to look after people. Somewhere along the way you also became the finance department, and it's the part of the job that keeps you up at night.

A practice team reviewing financial reports around a meeting table

Less guesswork. More progress.

It starts with an honest look at where your numbers are today.

Who we work with

Which healthcare businesses do we help?

We only work in Australian healthcare. Each sector below is funded differently, so the financial work looks different too. Here is what that work usually involves.

Support worker helping an NDIS participant in a wheelchair with a laptop
NDIS providers

Price every support so it actually covers its cost

Price limits move every July, the claiming rules are strict, and a roster that looked fine on paper can lose money after travel, cancellations and supervision. We work out what each support line really earns.

  • Margin by support item, worker level and time of day
  • Cash flow forecast built around claim and payment timing
  • Short-notice cancellation and travel claiming review
  • Costings for new service lines or regions
Talk to us about your ndis providers business
Carer sitting with an older resident in a bright aged care home
Aged care and home care

Get ready for the new funding rules before they hit cash

AN-ACC in residential care and Support at Home in the community changed how money comes in and when. Boards want to know whether the service is viable. We give them a straight answer and the numbers behind it.

  • AN-ACC revenue and care minutes modelling
  • Support at Home pricing and package cash flow
  • Board and regulator viability reporting
  • Cost benchmarking and capital planning
Talk to us about your aged care and home care business
Medical clinic reception with a timber desk and natural light
Medical clinics

Know which billing mix keeps the doors open

Bulk billing incentives changed in November 2025. Some clinics came out ahead by going fully bulk billed, others did not. The answer depends on your patient mix, your doctors and your rent, so we model it.

  • Bulk billing versus mixed billing scenarios
  • Profit by doctor, room and session
  • Service fee and contractor agreement modelling
  • Feasibility for a second site or fit-out
Talk to us about your medical clinics business
Practice owners reviewing financial reports and charts on a table
GP and specialist practices

Run the practice like the business it is

Most practice owners are flat out seeing patients and look at the numbers once a year. By then the decisions have already been made. We give you monthly figures you can act on and plan with.

  • Monthly management reporting in plain English
  • Budgets, forecasts and partner drawings planning
  • Growth, partnership and succession modelling
  • Structure review alongside your tax adviser
Talk to us about your gp and specialist practices business
Physiotherapist guiding a patient through a rehabilitation exercise
Allied health

Grow the team without shrinking the margin

Physio, OT, speech and psychology practices often mix NDIS, Medicare, private health and self-paying clients. Each pays differently. We show you which clinicians, services and funding streams carry the business.

  • Utilisation and break-even by clinician
  • NDIS, Medicare and private billing mix analysis
  • Remuneration model testing (wage, split, hybrid)
  • Due diligence on a practice purchase
Talk to us about your allied health business
How it works

What happens after you get in touch?

Three steps. There is no lock-in contract, and you can stop after the plan if that is all you need.

01

A frank first conversation

You tell us what keeps you up at night. We ask for last year’s accounts and a recent bank statement, then tell you honestly whether we can help. If we can’t, we’ll say so.

02

A plan you can read in ten minutes

Within about four weeks you get a short written plan. It covers where the cash is going, what to fix first and what each fix is worth in dollars.

03

Monthly CFO support

We meet monthly, update the forecast, report to your board or partners, and pick up the phone when a big decision comes up. You can scale the hours up or down.

Hands reviewing printed financial charts with a pen
Why FrankCFO

A finance partner who speaks your language.

  • Real-world experience
  • Straight-talking advice
  • Solutions that work

Big CFO thinking. Without the full-time cost.

The name says how we work. We tell you what the numbers mean, including the parts you might not want to hear, and then help you do something about it.

What makes us different from a bookkeeper or accountant?

Plain English

If we can’t explain a number without jargon, we haven’t understood it well enough ourselves.

Healthcare only

NDIS price limits, AN-ACC, Medicare item numbers and service fee agreements are our everyday work.

Forward-looking

Your accountant reports on last year. We forecast the next 13 weeks and the next 12 months.

Hours that fit

A few hours a month for a small practice, more for a multi-site provider. Change it when you need to.

Works with your team

We sit alongside your bookkeeper, practice manager and tax agent rather than replacing them.

No full-time salary

You get senior finance judgement without adding an executive to the payroll.

From the blog

Want to see how we think about the numbers?

Worked examples on funding rules, pricing and cash flow, written for owners and managers rather than accountants.

All articles
FAQ

What do people usually ask us?

Contact

Ready for a frank conversation?

Tell us a little about your business and what is worrying you. We reply within one business day, and the first conversation costs nothing.

Your information is stored securely and will only be used to respond to your enquiry.