Our Services

We specialise in a tailor-made financial service that fosters your business through growth towards success

  • Consultation and Proposal

    Tell us your story and about your business. We’ll go away, put our heads together, and come back with a full digital proposal within 48 hours.

  • Implementation: Setting you up for success

    This is our time to shine. Here we’ll set you up with our service and solve the big problems early.

  • Financial Operations

    Following implementation, we will move straight into the daily management of your financial operations.

Planning for success

Learning about your business

We want to hear your story.
Start from the beginning. How did you start your business? What’s the journey so far? Where are you now? The first meeting is our chance to get to know you and how we can help.

Then We Will Send You A Proposal.

This proposal provides a clear outline of how we can help you, received digitally within 48 hours after our meeting. Tailor made for your business, it targets your immediate problems and outlines the ongoing services to ensure your future success.

In This Meeting We Will Explore:

  1. The Key Issues At Hand: Explain your pressing priorities. Are you struggling with cash flow? Do you know what invoices are due and when? Let’s tackle the big stuff as soon as possible.
  2. Your Business Model: Your business story, how you generate profit and allocate expenses.
  3. Your Business Systems: Tell us about the processes underlying your business. Do you have an accounting system that integrates with your inventory software? We want to know.
  4. Your Key Agreements: We want to understand the strategic supplier and customer contracts for the business.
  5. Where You Want To Be: It’s easy to get caught up in the day-to-day business. Let’s look at where you want to be in a month, a quarter, and a year. Understanding where you want to be – your goals and vision for future growth and management.


Setting you up for success

Give us the green light and we will get to work straight away. This is our time to shine. We implement a bucket-load of processes and changes that result in immediate benefits for your business. Not only will you see these immediate returns, your long-term results will speak for themselves.

  • We Tackle Your Big Problems Immediately.

    Let’s get straight to it and clear up the pressing issues disrupting your business. Struggling to manage your tax obligations? Trying to source capital from financial institutions? Let’s tackle these head on and take the stress off your shoulders so you can focus on your business.

  • Cash Flow Position and Forecast.

    Within one week of implementation you will have a full and accurate 3 month forecast of your cash flow position. No more guessing if you will be able to pay invoices or receive customer payments. We’ll give you confidence in your position, letting you focus your energy and time on your business.

  • Accurate Data is Powerful Data.

    Let’s review your Chart of Accounts. Once we substantiate your figures we will prepare a full reporting package and an action plan suited to your current position. As we identify trends and areas requiring improvement, you will have all you need to focus your efforts to achieve your business success.

Ongoing Mentorship

As we partner our CFOs with your business

Following our implementation, we will perform our regular activities to ensure you are 100% on track for organisational growth and success. Not all business are created equal. As such, the services we provide vary from business to business, and often we will provide bespoke services not included below to ensure we meet the absolute needs of our clients.

Daily Cash Flow Management

Take back control of your cash flow position. Our clients regularly rave about how much this service has helped them. Not only will it relieve the ultimate stress of the ‘unknown’, you will be making confident key decisions based on REAL data.
How do we do it? We start by reviewing past quarter’s cash flow. Creating an accurate current position. Using our refined models, we then forecast the next 3 months. Outlaying every expected inflow and outflow of cash. We often uncover cash flow issues otherwise causing you to source funds to quench. Stop the band-aid approach! Gain back the confidence of knowing your position and where you are going.

Cash Flow Management Helps:

  • Ensure you chase debtors promptly to ensure you can afford upcoming payroll and other expenses.
  • Help you negotiate advantageous credit terms with suppliers to maximise cash flow.
  • Advise you if you need to chase payments ASAP, especially when a debtor payment is due but they have missed payment.
  • Recommend the best payment methods so you can maximise cash flow.

Ongoing As Required

Board Presence

We know it’s like to be bombarded with questions about the intricacies of our financials. Actually, we love it. Let us come along to your meetings and be the financial voice for your business.

Superannuation and Payroll

Payroll and superannuation can be frustrating and confusing. We’ll make the payments on time and keep up to date with all the regulations and legislation. Rest easy as we free you up to focus on what really matters: your business.

Review Your Commercial Terms

You might not be getting the best deal possible. We will maximise your business by reviewing your contracts, sales, and credit terms.


Struggling to get the loan you need? We’ll help you prepare the documents and answers to all the questions the bank manager will ask. We know the requirements, let us create your proposal to ensure success.

Monthly and Annually


Reporting Packs

We provide accurate and reliable financials, with a detailed commentary explaining their significance, every month. We monitor every single period to ensure you are 100% on track to meet your goals and achieve your success.
Our commentary analyses your business. Addressing problem areas, and providing recommendations for action. With our reporting packs you can take action and stand confident in your business decisions.

Tax compliance management

You have better things to do than research the latest federal taxation regulations. We will take care of all your pesky tax obligations and ensure everything is filed and paid on time, freeing you up to do what you do best and avoiding unnecessary ATO charges. We can even call the ATO on your behalf! Rest easy as we stay on top of all your GST, PAYG and other taxation needs.

Year-End Financial Statements

We will prepare your final year-end financial statements all ready for review and signing by your directors. We will ensure these statements meet all the requirements of directors and shareholders.


Ready to take your business to the next level?

Would your business benefit from expert guidance and mentorship from advisors with years of experience fostering stable business growth?

Navigate Virtual CFOs are ready for a no-obligation consultation where we can assess your business and find ways to help you achieve your success.

Connect with us on social media:

  • The Navigate team had a great night at our clients @workinc.au end of year party last night. Here’s a quick video the Navigate team got. #thereisabetterway #poweredbynavigate
  • Some of the Navigate VCFO team attending the @workinc.au End of year party tonight. What a wonderful event. So glad to be based out of Work Inc in the most iconic workplace in the country. #thereisabetterway #poweredbynavigate #workspace #northsydney #workinc #ideas #xero #futrli #receiptbank
  • Very exciting day at Navigate. We are interviewing for our new Finance and Operations Manager. #poweredbynavigate #thereisabetterway #cfo #xero #receiptbank #futrli #cloud #growth #vcfo
  • What a pleasure to spend some time with Luis Sanchez (Managing Director and General Manager)from @receipt.bank ! Great to hear his story, what he is passionate about and what Receipt Bank and Navigate can do together. Exciting times ahead! #receiptbank #poweredbynavigate #thereisabetterway #finance #cfo #vcfo #business #businessowner
  • It was great to team up with Kangatraining Wetherill Park, Fairfield and surrounds and the great work they did for Make-A-Wish Foundation of Australia. Such a great cause making a real difference in very special little peoples lives. Thank you for letting us be a small part in your journey! @workinc.au @kangatrainingwetherillpark @makeawishaust #kids #kanga #poweredbynavigate #thereisabetterway
  • Something very exciting is coming... we can't wait to share the news with you next week. #cfo #thereisabetterway #poweredbynavigate @xero @futrliapp #vcfo #finance
  • Just wrapped up some media work with one of our great partners @receipt.bank thanks for inviting us to take part guys! #receiptbank #thereisabetterway #poweredbynavigate #vcfo #cfo #xero
  • It was great to represent Navigate at the Futrli #AdvisoryAccelerator panel session today as part of @xerocon really good session showcasing the power of technology in advisory services and more importantly the enormous benefit it provides business owners. Thanks to @futrliapp in particular for your support of our business and really driving the power of real time data. #business #navigators #cfos #thereisabetterway #poweredbynavigate
  • Great catch up with the brain and vision behind @soulburgerau today! We are so excited to continue partnering with the team and watch them change the world. We also love sporting the new Soul Burger merchandise! #thereisabetterway #poweredbynavigate #xero #impos #growth #newtown #glebe #randwick #parramatta #plantbased
  • It has fast become the place to go in Pyrmont! Was @muglifecafe an overnight success? Absolutely not! Hard work, commitment, resilience, caring for their team, putting their customers first and being innovative in how they deliver their products is what it takes. Genuine success never happens over night. It happens when you have a vision, a plan and a commitment to deliver on that every single day! Thanks for the daily reminder on why Navigate do what we do! #thereisabetterway #poweredbynavigate #xero #abacus #cfo
  • It is a hugely exciting time here at Navigate. We are currently helping one of our founding partners through the next massive phase in their growth. We have stood by them every step of the way in complete admiration of their drive, passion and resilience. It's all going to pay off and we are so proud of them. Some big announcements coming in the next few weeks. It's just what the Dr ordered!!! 😉 #thereisabetterway #poweredbynavigate #xero #vcfo #cfo
  • We LOVE our clients!!! Here is a sneak peak of what a few of them have been up to! . . @sims_direct @soulburgerau @workinc.au . . #poweredbynavigate #virtualcfo #family #business #cfo #chieffinancialofficer #success #successful #finance #financials #profit #profitable #growth
  • We LOVE our clients!!! Here is a sneak peak of what a few of them have been up to!. . . . @urban_winery_sydney @house_of_fudge @innerorigin @drdoughdonuts @ahumanagency @aacm_au @innerorigin @muglifecafe. . . #poweredbynavigate #virtualcfo #cfo #business #financial #finances #chieffinancialofficer #sucess #sucessful #celebration #family
  • We are very excited to welcome Orisca Ng to the Navigate team. Orisca has a Bachelor of Business from UTS and is passionate about understanding the needs of business owners. Her favourite food is chocolate, favourite movie is iZombie and favourite holiday destination is Hong Kong. Her dream is to run and own her own nail saloon! Sounds like a new business venture for us. Navigate Nails!! #thereisabetterway #poweredbynavigate #xero #cfo
  • Ready for the day! @muglifecafe #poweredbymuglife
  • We had a check in with the wonderful team @sims_direct today. What an exciting time for these guys! We really enjoy the great ideas and energy coming from the team! #thereisabetterway #poweredbynavigate #xero #cfo #vcfo