NAVIGATOR FINANCIAL micro CFO services
For trade and local businesses

Navigate your numbers.
Grow with confidence.

Monthly cadence, plain-language clarity, and confidence to act - on top of the Xero you already use.

Xero shows you what might happen. We give you cadence, clarity, and confidence - with a human on a schedule you can trust.

Book a free discovery call View services

What you actually buy

  • CadenceMonthly accountability - a human who meets you, reviews the numbers, and follows up.
  • ClarityThe detail explained in plain English - with a human who knows your business.
  • ConfidenceMove forward on hire, price, cash, and equipment - without the guesswork.

You did not start your business to stare at dashboards

Xero can show you charts. But who meets you every month, tells you what matters, and holds you to it?

Most owners check the bank balance. Few have a monthly rhythm - someone who translates the numbers into hire, pause, or go.

The human layer Xero cannot provide

Navigator partners with your bookkeeper and accountant. They handle compliance. We handle cadence, clarity, and confidence.

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Monthly rhythm

A predictable operating cadence - a human who shows up every month.

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Plain-language clarity

The detail explained simply - you leave knowing exactly where you stand.

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Confidence to act

Move forward on payroll, pricing, hires, and equipment - without guessing.

Works with your Xero

We work with your Xero and bookkeeper - not instead of them. Read-only access. We use your analytics where helpful and add rhythm, judgment, and follow-through.

Services

For owner-operators doing $500K-$5M with a bookkeeper and no finance leader.

Cash Clarity

You are buying: Cadence

$1,500-$2,500 AUD / month

Never surprised by cash. A monthly check-in you will actually keep.

  • 13-week cash forecast
  • Monthly KPI snapshot
  • 60-minute review call
Get started
Recommended

Operating CFO

You are buying: Clarity + Confidence

$3,000-$5,000 AUD / month

Move forward each month without guesswork - not just review what happened.

  • Everything in Cash Clarity
  • Budget and rolling forecast
  • Monthly report with commentary
  • Quarterly pricing review
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Growth CFO

You are buying: High-stakes confidence

$5,000-$8,000 AUD / month

A trusted advisor when the bets get bigger.

  • Everything in Operating CFO
  • Scenario planning
  • Hire vs sub modeling
  • Lender packs
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How engagement works

1

Discovery call

30 min, free.

2

Proposal

Within 48 hours.

3

Onboard

Intake and Xero access.

4

Diagnostic

First 30 days.

5

Ongoing

Report by 10th. Call week 2.

The operating rhythm Xero cannot provide

Built for owner-operators who have the software but lack monthly discipline and trusted judgment.

Trades and local businesses across Australia. Clean books, Xero or MYOB, big calls keeping you up at night.

Not another dashboard

Cadence is the product. Software gives visibility - we give clarity, accountability, and confidence to move forward.

Book a free 30-minute discovery call

No obligation. We will tell you honestly if Xero and your bookkeeper are enough.

Book a discovery call
hello@navigatorfinancial.com.au