WHO WE ARE
About
We help ambitious business owners move from financial chaos to financial clarity
The Kartel Solution was built for business owners who are incredibly good at what they do, but feel like the financial side of the business is always one step ahead of them. The founders who are generating revenue, building teams, and making things happen, but still feel a quiet uncertainty about their numbers.
We exist to change that. Through expert Xero bookkeeping, one-on-one coaching, and Virtual CFO advisory, we give you the structure, the visibility, and the confidence to make every decision with absolute certainty.
Led by Rebecca Kartel, a Registered BAS Agent and Xero Gold Partner with over two decades of experience, our team works with business owners across Australia who are ready to stop reacting and start leading.
THE KARTEL SOLUTION
Our Team
Rebecca Kartel
FOUNDER AND CEO
Graduate Certificate in Public Accounting
Masters in Business Administration
Diploma in Accounting
Registered BAS Agent
Certified Xero Gold Advisor
Rebecca began her professional journey in accounting services in 2002, steadily expanding her expertise through continued professional development. She achieved her BAS Agent Registration in 2014, followed by a Diploma in Accounting in 2018 and a Master of Business Administration in 2019. Most recently, Rebecca has completed a Graduate Certificate in Public Accounting from Deakin University (2025), further enriching her professional qualifications. She is passionate about leveraging this extensive experience and knowledge to deliver meaningful, strategic insights to her clients.
Rebecca has collaborated with diverse businesses across Australia, ranging from surgeons and actors to physiotherapists and finance brokers, builders and barbers, health and fitness professionals to lawyers, and spanning industries such as e-commerce and manufacturing, among many others.
As a mother of three (plus Moodle), Rebecca recognizes the significance of a strong support system and cultivating a harmonious work-life balance.
Additionally, as a co-owner of a vibrant restaurant in Melbourne, Jalisco (feel free to drop in if you enjoy tacos and tequila!), fueling her passion for assisting fellow Australian bars, cafes, and restaurants.
Having owned multiple businesses, Rebecca understands the value of meticulous financial management. She thrives on helping entrepreneurs save time, reduce stress, and achieve success—while enjoying her coffee and margaritas when the workday is done.
Meen
Xero-certified bookkeeper
Meet Meen, a Xero-certified bookkeeping professional who is based in Melbourne. She comes from a rich background in the retail and hospitality industry. In 2019, she pursued a Certificate IV in Accounting and Bookkeeping. Meen has developed a real passion for the world of bookkeeping and enjoys taking on new challenges. She is always eager to learn and has a positive and enthusiastic attitude. Meen joined our team in 2021 and has proven to be a dedicated and passionate member. As a mother of two young children, Meen values quality time and work-life balance.
Outside of work, Meen has a range of hobbies, including traveling, crafts, building with Lego, and trying out new Melbourne restaurants. Her diverse interests reflect her vibrant and dynamic personality, which makes her a valuable asset both inside and outside the workplace.
Verena
Xero-certified bookkeeper
Meet Verena, an experienced and Xero-certified bookkeeper and BAS Agent based in the vibrant city of Perth, Western Australia. Verena has a Bachelor of Commerce and is a member of the CPA. She began her accounting career in 2010 as an audit assistant and has since worked her way up to become a commercial company accountant.
As a dedicated mother of two, Verena understands the importance of maintaining a healthy work-life balance, which is why she is passionate about bookkeeping. Since 2023, Verena has been an enthusiastic team member, consistently pursuing professional development and staying up-to-date with industry trends. Join Verena in the meticulous world of bookkeeping, where you can experience her expertise and commitment to excellence.
Outside of work, Verena enjoys practicing reformer pilates and hot yoga. She is also a coffee and wine lover and likes to unwind by sipping on an oat latte or a glass of red wine while listening to jazz music.
Angeilyn
Xero bookkeeper and administration
Meet Angeilyn, a detail-oriented and highly organised accounting professional with a passion for numbers and problem-solving. Born and raised in the City of Island Adventure, Surigao, Philippines, Angeilyn holds a Bachelor of Science in Accountancy.
With years of experience in maintaining accurate financial records and ensuring compliance with accounting regulations, Angeilyn has developed strong mathematical skills and a keen eye for detail. She thrives under pressure, efficiently meeting strict deadlines while effectively communicating financial information to stakeholders. Since joining the team, she has been dedicated to precision and excellence in every aspect of her work.
Outside of work, Angeilyn enjoys cooking and preparing meals for her husband and two lovely daughters. On weekends, she enjoys tending to her backyard garden, where being surrounded by nature brings her a sense of peace and tranquility.
Kate
marketing
Meet Kate, a seasoned marketing and social media strategist based in the city of Manila, Philippines. With a decade of experience in sales and a Bachelor's degree in Communication Arts, she fully understands consumer behavior, brand positioning, and engagement. She leverages these insights to drive impactful marketing success in the digital space.
Adaptable, creative, and detail-oriented, Kate thrives in fast-paced environments, solving challenges with resourcefulness and efficiency. She is committed to delivering impactful results with passion and precision. Since joining the team, she has been a proactive force, continuously honing her skills and staying ahead of industry trends.
Outside of work, Kate enjoys photography, traveling, binge-watching series and movies, home design, and quality time with family, fueling her creativity both personally and professionally.
Learn More about our services
Clean, accurate Xero bookkeeping, reconciled every single month. We take the day-to-day admin off your plate entirely, so you have a solid, reliable baseline to grow your business from.
A 12-week program for women business owners who want genuine control. Work one-on-one with your actual numbers to build the systems and the confidence you need to make smarter decisions.
For established businesses ready to move beyond reactive management. Get a 30-day forward-looking cash flow plan, Virtual CFO support, and commercial insights, so you can plan ahead and scale smoothly.
FAQ
What Clients ask
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We offer three core service streams: The Foundation (monthly Xero bookkeeping and admin), The Coaching (a 12‑week program for women business owners), and The Strategy (forward‑looking cashflow planning, Virtual CFO support and commercial advisory for established businesses).
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SMEs Australia‑wide. The Coaching is tailored specifically for women business owners who want hands‑on control of their finances. The Foundation suits businesses wanting clean, reliable bookkeeping. The Strategy is for established businesses ready to plan and scale beyond day‑to‑day operations.
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They stack progressively. The Foundation creates a reliable bookkeeping baseline. The Coaching builds skills, systems and confidence using your real numbers. The Strategy overlays forward‑looking cashflow planning and Virtual CFO support to guide scaling and strategic decisions.
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A Xero bookkeeper records what has already happened in your business, ensuring your data is clean, compliant, and reconciled within the system. An accountant typically focuses on your annual compliance and year-end reporting. A Virtual CFO looks at your data and tells you what is going to happen next. While bookkeeping and accounting handle the past and present, a Virtual CFO handles the future—providing 30-day, 60-day, and 90-day cash flow forecasts, profit strategy, and financial leadership for service-based businesses.
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If your business is generating strong revenue but you are constantly stressed about cash flow, you need Business Advisory. Signs include: checking your bank balance to make decisions, lacking clear financial systems, or having a great sales month but still struggling to pay yourself properly. Advisory gives you the visibility to maximise profit and make decisions with certainty.
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Cash flow problems are usually system problems, not sales problems. Making money is not the same as being in control of it. Often, cash is tied up in accounts receivable, poor margin structures, or a lack of structured allocation. We solve this by building a 30-day, 60-day, and 90-day cash flow forecast from your actual Xero data, so you know exactly where your money is going before it moves.
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We are proud Xero Gold Partners and we exclusively use Xero because we believe it provides the best financial systems for ambitious service-based businesses. If you are currently using another platform, we manage the complete migration for you to ensure your foundation is solid before we start optimising for profit.
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A three-bank account system automatically structures your cash to protect your profit and cover your obligations. We set up a day-to-day account for weekly payments like team wages and accounts payable, a BAS account for GST and PAYG transfers, and a business savings account for investments and large annual fees. This system removes the guesswork from your cash flow.
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The first step is a strategic conversation to look at your current financial systems and profit margins. We review your Xero file, identify where your cash is getting stuck, and build a roadmap to move you from reactive administration to proactive financial leadership.
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We are Melbourne-based but we serve clients Australia-wide. Services are delivered remotely using secure cloud accounting tools, allowing us to support businesses in every state and territory.
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Yes. We manage payroll processing, Single Touch Payroll (STP) filings, pay runs, leave calculations and timely superannuation contributions. We ensure compliance with Fair Work, superannuation guarantee rules and ATO reporting requirements.
If you have any other questions, book an obligation-free 20 minute consultation with Rebecca.