Our Services | Target Financial Services

Virtual Finance Office (VFO) & Business Advisory

Virtual Finance Office for SMEs

Your outsourced finance team, without the overhead. We handle the day-to-day accounting and month-end reporting so your finances stay accurate, compliant, and easy to understand. Clear numbers, clear insights, and more time to focus on growing your business or education organisation.

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1. Bookkeeping (XERO, Quickbooks, Enterprise)

Organised, up-to-date records of all transactions, giving you clear insight into income, expenses, and student fees.

2. Payroll Services (Weekly, Fortnightly, Monthly Payslips)

End-to-end payroll management, including super, PAYG, and compliance for staff and trainers.

3. Month End Close - Financials (PL, Balancesheet)

Monthly financial statements that show profitability, cash flow, and assets, helping you make smarter business decisions. Understand exactly how your operations are performing and where to focus next.

Business Advisory & Reporting

We offer practical guidance to help your business or education organisation grow smarter. From financial reporting and dashboards to strategic planning, we turn numbers into clear, actionable insights so you can make confident decisions and stay ahead of the curve.

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1. Financial Reporting & Analysis

Clear, actionable reports that break down cash flow, profitability, and key performance metrics for your business or education organisation.

2. Budgeting and Forecasting

Plan for growth with realistic business projections and scenario modelling. Ideal for managing student enrolments, program funding, or business expansion with confidence.

3. Management Dashboards

Custom dashboards that track revenue, expenses, and KPIs at a glance, helping you make faster, smarter decisions without wading through spreadsheets.

4. Strategic Planning & Advisory

Expert advice to support sustainable growth, improve operational efficiency, and ensure your business or education operations remain compliant and profitable.

5. Performance Monitoring & Insights

Regular performance reviews that highlight trends, risks, and opportunities, keeping your organisation on track and ahead of potential issues.

6. Stakeholder Reporting

Clear, professional reports designed for boards, investors, or regulators, tailored specifically to education and business stakeholders.

Read Our Client Testimonials

Vishal has been known to me for more than 10 years and in that time his professionalism and consistency in client care have remained steady and reliable. His knowledge of financial service products is both deep and practical and he takes the time to ensure clients understand each step of the process before decisions are made. Target Financial Services has clearly benefited from his calm attention to detail. He listens first, then offers options that are well thought through. There is never pressure. There is clarity, straight talk and genuine care for doing the right thing. In a sector where trust is earned over time, Vishal has earned mine many times. His follow up is timely. His guidance is measured. His attitude is grounded and respectful. I have no hesitation in recommending him to any individual or business seeking financial support, planning or advice.

Alec Gardner

Very impressive of how quickly and professional the services that Target Financial Services has provided. Vishal has been really helpful and patience in providing guidance and professional advice which is very much beneficial to our organisation. Problems resolved in an efficient way with Vishal’s assistance. Target Financial Services is highly recommended and we shall return for further services in the future.

Puiyin LI

I’ve known Vishal for over 10 years, and he has always been incredibly professional, trustworthy, and dedicated to everything. His business, Tailored Tax, Lending, and Advisory Solutions, truly lives up to its name offering personalised, practical advice that makes a real difference. Vishal has helped me with tax solutions for my business, and I couldn’t be happier with the results. He took the time to understand my situation in detail, explained everything clearly, and provided strategies that not only solved immediate issues but also set me up for long-term success. What I appreciate most about Vishal is his honesty, reliability, and genuine care for his clients. He goes above and beyond to ensure you feel supported and confident in every decision. It’s rare to find someone who combines expertise with such a personal touch. I highly recommend Vishal to anyone looking for professional tax, lending, or business advisory services. You’ll be in excellent hands!

Navreet bdaeng

I’ve known Vishal for over 10 years and he has always been professional, reliable, and easy to deal with. I completely trust his advice and wouldn’t hesitate to recommend Vishal and Target Financial Services to anyone looking for professional financial guidance.

Toby Cremer

I had a great experience with Target Financials. Vishal was professional, knowledgeable, and extremely patient in explaining every step of the process. He took the time to understand my situation and provided clear, practical advice that really helped me make confident financial decisions. His communication was excellent, and he always responded promptly to any questions I had. I truly appreciate his honesty and dedication to helping his clients. Highly recommend Vishal and the Target Financials team!

Harsh Babbar

Target Financials team was professional, approachable, and made the whole process feel easy and stress-free. Communication was clear throughout, and I felt well supported. I would happily recommend them.

Fabiana Loddo

I had an outstanding experience with Target Financial Services. Vishal made sorting out my finances incredibly easy and efficient. His professionalism and confidence put me at ease as first time customer. His expertise and attention to detail and follow up skills ensured a seamless process. I highly recommend Target financial services 100% satisfaction!

Anamika Shekhawat

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