A finance function that actually gets work done.
For $5m–$20m businesses that have outgrown bookkeeping but are not ready to hire a full finance department. WK Digital installs a managed team of finance agents around Xero, reporting, approvals and specialist CFO workflows.
Not another dashboard. Not another adviser.
Agents as a Service for finance: managed AI operators, human review controls and specialist playbooks working together so the finance function can read, decide, draft, reconcile, report and escalate.
Close the visibility gap
Monthly packs, live cash views, variance notes and board-ready commentary in one secure portal.
Move work through Xero
Agents can read the file, prepare updates and write back under approval control — instead of leaving work in spreadsheets.
Bring in the right skill
Treasury, tax, payroll, creditor plans, funding and control workflows are structured as callable expert lanes.
What clients see every week.
A working finance portal, not a static report. The service shows what has changed, what needs approval and what the finance agents are already handling.
- Cash position, runway, debtor pressure and creditor commitments.
- Open finance tasks with owner, status and evidence trail.
- Draft Xero updates awaiting approval before write-back.
- Board-pack status and month-end readiness.
Built for the messy middle.
The best fit is a business large enough to need discipline, but not yet ready to hire a full CFO, controller, finance analyst and systems team.
- Revenue between $5m and $20m with rising finance complexity.
- Xero is the accounting base, but reporting and follow-up are inconsistent.
- Management needs cash visibility, creditor discipline and board-ready packs.
- The business wants action, not another spreadsheet consultant.
Included operating lanes
- Finance inbox triage and evidence capture.
- Invoice, bill, AR and AP workflow support.
- Xero data read, reconciliation support and controlled write-back.
- Cashflow forecast, debtor/creditor plans and weekly finance rhythm.
- Monthly management pack and board-level commentary.
- Approval queue for sensitive actions before external sends, filings or commitments.
Priced below a full finance hire, but above software-only tools.
Market benchmarks show fractional CFO retainers commonly sit around US$3k–$15k per month, while AI CFO software alone can run US$24k–$48k per year. WK Digital prices this as a managed operating function, not a licence.
Core Finance Desk
/month
For $5m–$10m revenue businesses needing reporting, Xero operations and cash discipline.
- Monthly reporting pack
- Finance inbox support
- Weekly cash rhythm
- Controlled Xero support
Managed CFO Function
/month
Recommended for $10m–$20m businesses with board, funding, creditor or multi-team complexity.
- Everything in Core Finance Desk
- 13-week cash forecast
- Board commentary
- Tax, payroll and treasury skill lanes
Complex / Multi-Entity
/month
For multi-entity, lender-facing, acquisition, turnaround or high-volume finance operations.
- Custom controls
- Multi-entity reporting
- Approval routing
- Dedicated operating cadence
Implementation typically ranges from A$4,500–A$12,000 depending on Xero quality, connected inboxes, reporting depth and approval workflow complexity. Accounting, tax agent, audit and legal sign-off remain with the client's authorised professionals.
Start with a finance-function diagnostic.
Xero structure, reporting gaps, cash rhythm, approval risks and the first 30-day automation plan — covered in your first session.
Book a CFO function session →