Virtual CFO
A Virtual CFO is essential for business success and long-term growth.
We bring clarity, structure, and strategic direction, without the full-time cost. You gain high-level financial insight, cash flow control, and reporting that matters.
It’s about understanding the numbers, making smarter decisions, and staying ahead, not stuck in the weeds
ADVISORY SOLUTIONS
Virtual CFO
Strategic financial leadership, without the full-time overhead.
Financial clarity isn’t optional; it’s the difference between leading with confidence and constantly putting out fires.
Our Virtual CFO service gives you the structure, insight, and direction to make smart decisions with speed. We translate your financial data into a language you can act on, aligning it with your strategic priorities so you’re not guessing, you’re leading.
We work closely with founders and leadership teams to strengthen decision-making, guide operational priorities, and ensure the business remains financially sound, scalable, and sustainable.
Need a trusted financial partner to challenge your thinking, spot blind spots, and bring strategic clarity to the table?
Areas of focus may include:
Financial oversight and strategic advisory support
Cash flow forecasting and scenario modelling
Margin, cost, and pricing reviews
Payroll, team, and performance analysis
Strategic planning through growth, change, or restructuring
Reporting dashboards, data insights, and operational alignment
Process improvement and systems streamlining
With consistent financial guidance and sharp reporting, we help you see the full picture, act quickly, and lead with intention.
TESTIMONIALS
What our clients say
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C Norman, Norman Plumbing Pty Ltd
“Rebecca has been amazing to work with. She has been extremely professional and reliable. Her knowledge of XERO software is outstanding! I could not run my business without her.”
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K Britter, Fitness Addix
“Great service, and extremely happy with everything can’t recommend highly enough.”
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B Colubriale, Elevate Your Thinking
"To have someone so experienced, knowledgeable and trustworthy doing my bookwork has taken a large burden off my shoulders. Rebecca not only runs an amazing business but she also has my best interests at heart, making suggestions along the way around how I can improve my efficiencies and strategies and nothing is ever too much trouble. Thanks Bec!"
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G Daely, The Brow Loft
“Couldn't recommend Rebecca enough! She's super thorough, organised and reliable. I didn't have a clue of how to manage my finances for my business but Rebecca guided me every step of the way and structured everything super clear!”
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Shew, JS Limitless Pty Ltd
"Thanks, Rebecca for your awesome bookkeeping services. Handing control of my money management over to someone else was a big thing for me. Rebecca has been reliable, detailed, and super responsive and will always deliver. I highly recommend her services!"
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R Cumming, Urban.io
Rebecca from The Kartel Solution has been excellent to work with. Was able to gather up all our existing accounting processes with one session and has taken over all our ongoing financial administration requirements. As a Xero specialist we have found Rebecca was able to advise us on how to automate certain processes and save a lot of time in manual processing which has been awesome. Would highly recommend The Kartel Solution to anyone.
BLOG LIBRARY
Helpful Insights
Choosing the right bookkeeping software can make or break your financial clarity. This guide breaks down the best options for Australian small businesses and explains why Xero remains the leading choice, plus how personalised Xero training can help you get it right from day one.
Melbourne SMEs are searching for bookkeeping services that offer more than compliance. Discover how Xero expertise, real-time cash flow clarity, and clean bookkeeping can give your business control, confidence, and freedom to focus on growth.
This time of year is when Melbourne business owners stop planning and start solving. Discover the financial solutions businesses are searching for now to gain cash flow clarity, stronger systems, and confident decision making.
By late January, Melbourne small businesses are moving fast, but their numbers often lag behind. In 2026, delayed financial visibility is no longer a workload problem. It is a systems problem. Smarter bookkeeping, powered by AI and modern systems, gives business owners real time clarity, stronger cash flow control, and confidence to make decisions as the year accelerates.
By mid January, Melbourne businesses are back in motion. Invoices resume, expenses rise, and payroll normalises. This is the critical moment to check whether your cash flow is ready to support the year ahead, before momentum exposes hidden pressure points.
January is more than a fresh start. It is a strategic reset. For Australian businesses, getting financially organised early sets the tone for clearer decisions, stronger cash flow, and a more controlled year ahead.
December can make or break your year. With a few targeted moves, small businesses can protect profit, tighten operations, and enter 2026 with clarity and confidence. Here’s how to finish the year strong.
As the year wraps up, bottlenecks become more obvious and more expensive. December is your chance to clean up processes, reduce overwhelm, and step into 2026 with a business that runs smoother and produces stronger profit.
December is crunch time for small businesses. Simple, strategic actions now can unlock cash, protect profit, and set you up for a strong start to 2026. Learn quick wins to boost your cash flow before the year ends.
December is here and for small business owners, that means last-minute decisions can make or break your profit. Discover simple, actionable strategies to gain clarity, streamline operations, and protect cash flow before the year ends.
The year-end crunch is approaching. Take action this week to fix bottlenecks, secure cash flow, and align your team for a smooth December.
November is your last clean window to take control. Tighten systems, validate data, and build operational clarity to ensure a predictable year-end.
November is your reset month. Prep your systems, align your team, and clear small operational gaps to make December predictable instead of stressful.
November is the make-or-break month for small businesses. Take control of cash flow, payroll, and operations now to avoid year-end chaos and close the year with clarity and confidence.
Scaling your business isn’t just about chasing revenue. To grow sustainably, you need financial clarity, strong systems, and a clear strategy. Here’s how Australian business owners can scale from strength, not chaos.
October is a turning point for Melbourne business owners. With Q1 behind us and the holiday season ahead, now’s the time to tighten your cash flow, cut unnecessary expenses, and stay on top of ATO deadlines. These four practical finance moves will help you protect profit and set your business up for a stronger finish to 2025.
Scaling doesn’t have to mean chaos. With financial clarity and systems in place, small business owners can grow with confidence, control, and profitability.
Most owners dream of freedom when they start a business. But without systems and financial clarity, what you’ve really built is just busy work, a cycle of admin, cash flow stress, and growth that’s capped by your time. A true business runs with structure, support, and strategy so you can step into the CEO role.
Migrating to Xero won’t fix broken systems. It’ll just make them look prettier. If your backend is still a patchwork of spreadsheets, manual follow-ups, and disconnected tools, you haven’t upgraded; you’ve just rebranded the chaos.
This blog unpacks why moving to Xero is step one, not the finish line and how a strategic systems overhaul turns your financial tools into a real growth engine.
Still running your business on spreadsheets, inbox approvals, and guesswork reports? Moving to Xero won’t fix it, unless you do it strategically. This blog breaks down how real Xero migration goes way beyond software, transforming your backend into a system that grows as fast as you do.
Looking for a professional bookkeeper near you in Melbourne? Learn what to look for, why Xero expertise matters, and why Melbourne businesses choose The Kartel Solution for clarity, control, and peace of mind.