Illuminate Consulting Group

A clear financial verdict
before you decide.

CFO-level cashflow assessment — delivered within 2–3 business days. Know exactly where you stand before you hire, scale, or commit.

Get Your Cashflow Risk Scan — $595
One-off fixed fee  ·  No retainer CPA-qualified  ·  Former commercial CFO Results delivered via Loom walkthrough + PDF
$595
incl. GST  ·  One-off
Written Cashflow Risk Summary (PDF)
Clear financial verdict
Key cashflow drivers explained
Practical next steps
Loom video walkthrough
Optional follow-up call via Calendly
The problem

Most businesses don't have a revenue problem.
They have a cashflow visibility problem.

Revenue is there. But cash keeps disappearing — through retentions, project timing gaps, wage runs hitting before invoices clear, and margins that looked right on quote but didn't survive the job.

By the time the pressure becomes obvious, a decision has usually already been made.

"Is this business financially safe to move forward — or not?"

Before hiring
Can your cashflow carry another wage for the next 6 months?
Before a major project
Do you have working capital to float it before progress claims clear?
Before buying equipment
Will debt servicing create a cashflow gap when work slows down?
Before anything significant
Know the risk first. Then decide.
The process

How it works —
start to finish.

Three steps. No calls required. Results in 2–3 business days.

01
Purchase & Upload
Book online and securely upload your financial reports — Profit & Loss, Balance Sheet, and cashflow statement if available.
Takes around 5 minutes. No calls needed before we start.
02
CFO-Level Analysis
We review cashflow pressure points, timing and risk periods ahead, margin and cost structure, and the key drivers impacting your cash position.
Conducted personally by Ross — not a template or algorithm.
03
Your Results
Within 2–3 business days you receive your written Cashflow Risk Summary (PDF) plus a Loom video walkthrough explaining your result.
Optional follow-up call available via Calendly after delivery.
What you receive

Your result is one of
three clear verdicts.

No vague summaries. A specific financial position — and what to do next.

Verdict 1
Safe to Proceed
Your cashflow position supports the decision. Here's why — and what to monitor as you move forward.
Verdict 2
Proceed with Caution
There are identifiable risk factors. Here are the specific conditions that need to be managed before you commit.
Verdict 3
High Financial Risk
The cashflow position does not support the decision right now. Here's what needs to be stabilised first — and how.
Every scan includes
Written Cashflow Risk Summary (PDF)
Clear financial verdict (one of three)
Key cashflow drivers identified
Risk periods flagged with context
Practical next steps for your situation
Loom video walkthrough of your results
What you receive

This is what your
results look like.

Your Cashflow Risk Summary is a structured, written assessment — not a generic report. It gives you a clear verdict, the key drivers behind it, and specific next steps tied to your situation.

  • Plain English — no jargon
  • Your numbers, your business, your decision
  • Delivered as a PDF within 2–3 business days
  • Accompanied by a Loom video walkthrough
Get Your Cashflow Risk Scan — $595
Sample Cashflow Risk Scan output

Sample Cashflow Risk Summary output

Who it's for

Ideal if you're an owner making a significant call.

  • Cashflow feels tight or unpredictable
  • Planning a hire, expansion, or major project
  • Want clarity before committing capital
  • Need CFO-level insight without a long engagement
  • Trades, construction, or services business
  • Revenue between $500k–$10M
What this isn't

Not the right fit if you need

  • Bookkeeping or data entry
  • Tax compliance or BAS lodgement
  • Generic financial reports
  • Ongoing accounting services
Get Your Cashflow Risk Scan — $595
What clients say

Trusted by owner-led businesses before major decisions

"

Ross provides exceptional service. Professional, reliable, and consistently goes above and beyond. Highly recommend — a valuable asset to any business.

Jess — Director, Harbourside Concrete Pumping

"

ICG helped our plumbing business gain clarity around charge-out rates, margins, and forecasting. Managing finances has never been simpler or more controlled.

Matt — Director, Mid North Solutions Plumbing

Ross Duguid — Founder, Illuminate Consulting Group
Ross Duguid
CPA  ·  Founder & Principal CFO
Delivered by

Every scan is conducted personally by a senior CFO.

Ross Duguid is a CPA-qualified, former commercial CFO with 16+ years of senior finance experience — including corporate CFO roles at Stockland and Centuria Capital.

There are no juniors, no automated reports, and no generic templates. Every Cashflow Risk Scan is a genuine senior-level assessment of your actual numbers, applied to your specific decision.

CPA Qualified Former Corporate CFO 16+ Years Experience Trades & Construction Specialist Working Nationally
What comes next

The scan is step one.
Not the only step.

1
Cashflow Risk Scan — $595
Start here. A clear financial verdict in 2–3 business days. No obligation to proceed beyond this.
2
90-Day Cashflow Reset — if risk is high
Stabilise cashflow and fix the pressure points identified in the scan. Structured 90-day engagement.
3
Cashflow Control Plan — 12-month forecast
Build a clear financial roadmap. Know what's coming before it arrives.
4
Ongoing CFO Support — optional
Strategic financial guidance as you scale. Monthly retainer. Senior-level thinking on demand.
Questions

Frequently asked

How long does the scan take?
Results are delivered within 2–3 business days of receiving your financial reports. No calls required before we begin.
What do I need to provide?
Profit & Loss (last 12 months), Balance Sheet, and cashflow statement if available. Xero exports work perfectly. Takes about 5 minutes to compile.
What will I receive?
A written Cashflow Risk Summary (PDF) with your financial verdict, key drivers, risk periods, and practical next steps — plus a Loom video walkthrough.
Is this a long-term commitment?
No. It's a fixed-fee, one-off engagement. No retainer. No obligation to proceed further.
Who conducts the analysis?
Ross Duguid personally — CPA-qualified, former commercial CFO. Not a junior analyst, not a template, not an algorithm.
Can I ask questions after receiving my results?
Yes. An optional follow-up call is available via Calendly after delivery if you want to talk through the findings.
Start here

Know exactly where
you stand.

Before you hire, scale, or commit — get a clear financial verdict. No retainer. No long engagement. Just clarity.

Get Your Cashflow Risk Scan — $595

incl. GST  ·  One-off  ·  Results in 2–3 business days