Advisory Services
AFM Services’ flagship Advisory Service, built for entrepreneurial business owners who want to excel, scale, and lead with certainty.
We provide the strategic clarity and financial foresight required for high-value business decisions.
Business Planning & Forecasting
In today’s fast-paced business world, having a clear financial strategy is essential.
We help you:
- Build solid foundations for growth
- Define your vision, mission, and goals
- Develop strategies to increase profit and performance
Our approach goes beyond the numbers. We:
- Assess your business strengths and potential
- Create a strategic framework to guide decision-making
- Analyse your financial structure
- Advise on how to allocate resources effectively
- Keep you involved every step of the way
All advisory services are delivered by BIAS Australia.
BIAS — Business Improvement and Advisory Services
AFM Services’ premier Advisory Service for ambitious business owners.
Running a successful business takes more than keeping the books up to date.
You need clarity, strategy, direction — and a partner who can help you navigate every stage of growth.
BIAS is AFM’s premium advisory division, designed for business owners who want to make smarter decisions, protect their assets, increase profitability and build a stable, successful organisation.
We combine deep accounting expertise with actionable commercial insight to help you move confidently into the future.
How BIAS Helps You
Clarity
Understand your numbers, your risks, and your opportunities.
Strategy
Set intentional, structured plans that drive long-term success.
Action
Implement systems, processes and behaviours that lift performance.
Results
See measurable improvements in profit, stability, growth and confidence.
Our Advisory Services
1. Start-Up Support
Turn a business idea into a profitable, structured venture.
We guide you through business setup, planning, financing, compliance and operational foundations — giving you the best possible start.
Includes:
- Business structure setup
- Budgets & cash flow planning
- Legal and compliance guidance
- Banking setup & funding support
- Ongoing support and mentoring
2. Virtual CFO Services
High-level financial leadership without the full-time cost.
Your Virtual CFO provides strategic oversight, data-driven insights and financial discipline to keep your business on track and performing.
Includes:
- Monthly/quarterly performance reviews
- Cashflow and budget management
- KPI dashboards and analysis
- Profitability improvement strategies
- Strategic financial planning
3. Business Advisory
Practical, commercially focused advice for every stage of your business journey.
We analyse your operations, identify improvement opportunities and implement strategies that strengthen performance and support growth.
Focus areas:
- Strategic planning
- Risk management
- KPI development
- Team and leadership support
- Process improvement
4. Succession Planning
Protect your legacy — plan for continuity.
Whether transitioning to family, management or external buyers, we design structured, practical strategies that ensure your business thrives beyond you.
Includes:
- Exit strategies
- Valuation preparation
- Ownership transition planning
- Continuity and risk planning
- Performance alignment for the next generation
5. Business Finance Structures
Better planning. Better decisions. Better outcomes.
Accurate budgets and forecasts are the backbone of performance and strategic decision-making.
We prepare:
- Annual and rolling budgets
- Profit & cashflow forecasts
- Strategic financial modelling
- Performance tracking
- Sensitivity analysis
6. Budgeting & Forecasting
Build a stronger, more stable financial foundation.
We optimise your financial structure, funding arrangements and debt strategy to ensure maximum resilience and efficiency.
Services:
- Finance reviews
- Debt restructuring
- Lender negotiations
- Banking and funding strategy
- Financial stability planning
7. Business Planning
Define direction. Drive growth.
We translate your vision into a practical, actionable business plan that sets clear goals and maps out your pathway forward.
Includes:
- Strategic goal setting
- SWOT & risk analysis
- Market clarity and positioning
- Leadership alignment
- Detailed implementation roadmap
8. Acquisition Advice
Buy the right business — with confidence.
We provide full support through the acquisition lifecycle to ensure you understand what you’re buying, what it’s worth and how to integrate it.
Includes:
- Valuation and opportunity assessment
- Due diligence
- Negotiation support
- Funding and structure advice
- Integration planning
9. Business Closure & Turnaround Support
Handle difficult decisions with clarity, professionalism and care.
If closure is required, we ensure it’s managed respectfully and safely. If turnaround is possible, we provide the pathway.
Includes:
- Early risk assessment
- Cashflow triage
- Compliance support
- Staff & stakeholder communication
- Controlled transitions
10. Employment & Workplace Relations Advisory
Your people are your greatest asset — invest in them.
We provide practical HR guidance to build strong teams, improve performance and reduce workplace risk.
Services:
- HR frameworks and policies
- Performance management
- Coaching for leaders
- Compliance and award guidance
- Staff retention strategies
11. Retail Operating Systems Advisory
Streamline operations with the right technology.
We help implement POS, inventory, workforce and reporting systems that improve efficiency and support multi-site operations.
Start-Up Support
Turn a business idea into a profitable, structured venture.
We guide you through business setup, planning, financing, compliance and operational foundations — giving you the best possible start.
Includes:
- Business structure setup
- Budgets & cash flow planning
- Legal and compliance guidance
- Banking setup & funding support
- Ongoing support and mentoring
Business Advisory
Practical, commercially focused advice for every stage of your business journey.
We analyse your operations, identify improvement opportunities and implement strategies that strengthen performance and support growth.
Focus areas:
- Strategic planning
- Risk management
- KPI development
- Team and leadership support
- Process improvement
Business Planning
Define direction. Drive growth.
We translate your vision into a practical, actionable business plan that sets clear goals and maps out your pathway forward.
Includes:
- Strategic goal setting
- SWOT & risk analysis
- Market clarity and positioning
- Leadership alignment
- Detailed implementation roadmap
Start-Up Support
Turn a business idea into a profitable, structured venture.
We guide you through business setup, planning, financing, compliance and operational foundations — giving you the best possible start.
Includes:
- Business structure setup
- Budgets & cash flow planning
- Legal and compliance guidance
- Banking setup & funding support
- Ongoing support and mentoring
Business Advisory
Practical, commercially focused advice for every stage of your business journey.
We analyse your operations, identify improvement opportunities and implement strategies that strengthen performance and support growth.
Focus areas:
- Strategic planning
- Risk management
- KPI development
- Team and leadership support
- Process improvement
Business Planning
Define direction. Drive growth.
We translate your vision into a practical, actionable business plan that sets clear goals and maps out your pathway forward.
Includes:
- Strategic goal setting
- SWOT & risk analysis
- Market clarity and positioning
- Leadership alignment
- Detailed implementation roadmap
Budgeting & Forecasting
Build a stronger, more stable financial foundation.
We optimise your financial structure, funding arrangements and debt strategy to ensure maximum resilience and efficiency.
Services:
- Finance reviews
- Debt restructuring
- Lender negotiations
- Banking and funding strategy
- Financial stability planning
Business Finance Structures
Better planning. Better decisions. Better outcomes.
Accurate budgets and forecasts are the backbone of performance and strategic decision-making.
We prepare:
- Annual and rolling budgets
- Profit & cashflow forecasts
- Strategic financial modelling
- Performance tracking
- Sensitivity analysis
Acquisition Advice
Buy the right business — with confidence.
We provide full support through the acquisition lifecycle to ensure you understand what you’re buying, what it’s worth and how to integrate it.
Includes:
- Valuation and opportunity assessment
- Due diligence
- Negotiation support
- Funding and structure advice
- Integration planning
Business Closure & Turnaround Support
Handle difficult decisions with clarity, professionalism and care.
If closure is required, we ensure it’s managed respectfully and safely. If turnaround is possible, we provide the pathway.
Includes:
- Early risk assessment
- Cashflow triage
- Compliance support
- Staff & stakeholder communication
- Controlled transitions
Succession Planning
Protect your legacy — plan for continuity.
Whether transitioning to family, management or external buyers, we design structured, practical strategies that ensure your business thrives beyond you.
Includes:
- Exit strategies
- Valuation preparation
- Ownership transition planning
- Continuity and risk planning
- Performance alignment for the next generation
Start-Up Support
Turn a business idea into a profitable, structured venture.
We guide you through business setup, planning, financing, compliance and operational foundations — giving you the best possible start.
Includes:
- Business structure setup
- Budgets & cash flow planning
- Legal and compliance guidance
- Banking setup & funding support
- Ongoing support and mentoring
Business Advisory
Practical, commercially focused advice for every stage of your business journey.
We analyse your operations, identify improvement opportunities and implement strategies that strengthen performance and support growth.
Focus areas:
- Strategic planning
- Risk management
- KPI development
- Team and leadership support
- Process improvement
Business Planning
Define direction. Drive growth.
We translate your vision into a practical, actionable business plan that sets clear goals and maps out your pathway forward.
Includes:
- Strategic goal setting
- SWOT & risk analysis
- Market clarity and positioning
- Leadership alignment
- Detailed implementation roadmap
Budgeting & Forecasting
Build a stronger, more stable financial foundation.
We optimise your financial structure, funding arrangements and debt strategy to ensure maximum resilience and efficiency.
Services:
- Finance reviews
- Debt restructuring
- Lender negotiations
- Banking and funding strategy
- Financial stability planning
Business Finance Structures
Better planning. Better decisions. Better outcomes.
Accurate budgets and forecasts are the backbone of performance and strategic decision-making.
We prepare:
- Annual and rolling budgets
- Profit & cashflow forecasts
- Strategic financial modelling
- Performance tracking
- Sensitivity analysis
Acquisition Advice
Buy the right business — with confidence.
We provide full support through the acquisition lifecycle to ensure you understand what you’re buying, what it’s worth and how to integrate it.
Includes:
- Valuation and opportunity assessment
- Due diligence
- Negotiation support
- Funding and structure advice
- Integration planning
Business Closure & Turnaround Support
Handle difficult decisions with clarity, professionalism and care.
If closure is required, we ensure it’s managed respectfully and safely. If turnaround is possible, we provide the pathway.
Includes:
- Early risk assessment
- Cashflow triage
- Compliance support
- Staff & stakeholder communication
- Controlled transitions
Succession Planning
Protect your legacy — plan for continuity.
Whether transitioning to family, management or external buyers, we design structured, practical strategies that ensure your business thrives beyond you.
Includes:
- Exit strategies
- Valuation preparation
- Ownership transition planning
- Continuity and risk planning
- Performance alignment for the next generation
Virtual CFO Services
High-level financial leadership without the full-time cost.
Your Virtual CFO provides strategic oversight, data-driven insights and financial discipline to keep your business on track and performing.
Includes:
- Monthly/quarterly performance reviews
- Cashflow and budget management
- KPI dashboards and analysis
- Profitability improvement strategies
- Strategic financial planning
Employment & Workplace Relations Advisory
Your people are your greatest asset — invest in them.
We provide practical HR guidance to build strong teams, improve performance and reduce workplace risk.
Services:
- HR frameworks and policies
- Performance management
- Coaching for leaders
- Compliance and award guidance
- Staff retention strategies
1. Start-Up Support
Turn a business idea into a profitable, structured venture.
We guide you through business setup, planning, financing, compliance and operational foundations — giving you the best possible start.
Includes:
- Business structure setup
- Budgets & cash flow planning
- Legal and compliance guidance
- Banking setup & funding support
- Ongoing support and mentoring
2. Virtual CFO Services
High-level financial leadership without the full-time cost.
Your Virtual CFO provides strategic oversight, data-driven insights and financial discipline to keep your business on track and performing.
Includes:
- Monthly/quarterly performance reviews
- Cashflow and budget management
- KPI dashboards and analysis
- Profitability improvement strategies
- Strategic financial planning
3. Business Advisory
Practical, commercially focused advice for every stage of your business journey.
We analyse your operations, identify improvement opportunities and implement strategies that strengthen performance and support growth.
Focus areas:
- Strategic planning
- Risk management
- KPI development
- Team and leadership support
- Process improvement
4. Succession Planning
Protect your legacy — plan for continuity.
Whether transitioning to family, management or external buyers, we design structured, practical strategies that ensure your business thrives beyond you.
Includes:
- Exit strategies
- Valuation preparation
- Ownership transition planning
- Continuity and risk planning
- Performance alignment for the next generation
5. Business Finance Structures
Better planning. Better decisions. Better outcomes.
Accurate budgets and forecasts are the backbone of performance and strategic decision-making.
We prepare:
- Annual and rolling budgets
- Profit & cashflow forecasts
- Strategic financial modelling
- Performance tracking
- Sensitivity analysis
6. Budgeting & Forecasting
Build a stronger, more stable financial foundation.
We optimise your financial structure, funding arrangements and debt strategy to ensure maximum resilience and efficiency.
Services:
- Finance reviews
- Debt restructuring
- Lender negotiations
- Banking and funding strategy
- Financial stability planning
7. Business Planning
Define direction. Drive growth.
We translate your vision into a practical, actionable business plan that sets clear goals and maps out your pathway forward.
Includes:
- Strategic goal setting
- SWOT & risk analysis
- Market clarity and positioning
- Leadership alignment
- Detailed implementation roadmap
8. Acquisition Advice
Buy the right business — with confidence.
We provide full support through the acquisition lifecycle to ensure you understand what you’re buying, what it’s worth and how to integrate it.
Includes:
- Valuation and opportunity assessment
- Due diligence
- Negotiation support
- Funding and structure advice
- Integration planning
9. Business Closure & Turnaround Support
Handle difficult decisions with clarity, professionalism and care.
If closure is required, we ensure it’s managed respectfully and safely. If turnaround is possible, we provide the pathway.
Includes:
- Early risk assessment
- Cashflow triage
- Compliance support
- Staff & stakeholder communication
- Controlled transitions
10. Employment & Workplace Relations Advisory
Your people are your greatest asset — invest in them.
We provide practical HR guidance to build strong teams, improve performance and reduce workplace risk.
Services:
- HR frameworks and policies
- Performance management
- Coaching for leaders
- Compliance and award guidance
- Staff retention strategies
11. Retail Operating Systems Advisory
Streamline operations with the right technology.
We help implement POS, inventory, workforce and reporting systems that improve efficiency and support multi-site operations.
How BIAS Helps You
BIAS is ideal for:
- Small to medium businesses
- High-growth start-ups
- Family businesses
- Mature businesses ready to expand
- Businesses preparing for exit
- Owners wanting strategy, not just compliance
If you want clearer information, stronger control and better decision-making — BIAS is the advisory solution built for you.
Ready to Strengthen Your Business?
Book a consultation with our advisory team and discover how BIAS can help you build a smarter, stronger and more successful business.
AFM Services — BIAS Advisory Division
Clarity. Strategy. Action. Results.
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