Strategic Business Planning for NZ Small Businesses

At Business Navigators, we guide small and medium-sized businesses through a practical and powerful business planning process that drives real growth.

Whether you’re launching, stabilising, or scaling, our business planning service helps you:

• Define and prioritise your goals — both short and long term
• Create clear, actionable strategies to achieve those goals
• Track performance vs. targets using simple, effective tools
• Uncover and address critical issues early through structured review
• Develop a focused 90-day Action Plan to keep momentum high

We combine financial insight, real-world experience, and business advisory expertise to deliver more than just a pretty plan — you’ll leave with clarity, direction, and renewed confidence in your next steps.

This service is ideal for:

• Business owners seeking direction and accountability
• Teams looking to align around shared goals
• Startups needing a smart foundation for growth
• Established businesses ready to break through a growth ceiling

Ready to turn your vision into a practical plan?
Let’s build a roadmap to grow your business on purpose.

Cashflow Forecasting for NZ Small Businesses

Cash is the lifeblood of any business. Without it, even highly profitable businesses can struggle — or worse, collapse. That’s why every business should create and maintain an annual cashflow forecast.

At Business Navigators, we help you:

• Understand your future cash position month-by-month
• Plan for seasonal dips, tax payments, and major outgoings
• Make confident decisions around staffing, investments, and growth
• Avoid cash shortfalls and funding surprises
• Gain peace of mind with a proactive, not reactive, approach

Our forecasting process gives you visibility over what’s coming — helping you lead your business with clarity, not guesswork.

Whether you’re a startup, scaling up, or stabilising after a tough season, a clear cashflow forecast is your financial survival tool.

Make decisions with confidence. Stay in control. Plan for profit.

Cashflow Management

Cashflow planning is the best practice in any business and critical to survival and growth. 

Our Cashflow Management service is designed to help you improve your Cash Conversion Cycle and maximise your cashflow. It will allow you to predict large cash outflows and respond to changes in your business. 

Managing cashflow is all about your business processes. We’ll conduct a thorough review of your processes to identify any potential causes of poor cashflow so we can treat the underlying issues.   

We’ll meet with you on a quarterly basis to monitor, analyse, and adjust your key cashflow drivers. Acting as your accountability coach, we’ll help you set annual goals and devise an action plan to ensure you implement improvement strategies for maximum results.

Management Reporting

In the dynamic business landscape, effective management requires more than just day-to-day operations—it demands a keen understanding of your financial results and key drivers. Our Management Reporting service is designed to fill this crucial gap, enabling you to measure, manage, and implement meaningful improvement strategies to reach your business goals.

Your monthly Management Report serves as a snapshot, offering a clear view of your financial position with accurate and up-to-date information to guide your decisions. Regular monitoring of key drivers and financial results ensures that you stay on course to achieve your goals.

Our process begins with an initial meeting to identify and prioritise the key drivers to measure, ensuring you comprehend how to interpret your reports. Subsequently, each month, you receive a comprehensive report accompanied by a 15-minute momentum call. During this call, we discuss your results, pinpoint areas for improvement, and collaboratively set actions to keep you on the path to achieving your goals.

Quarterly Coaching

For business owners, the journey can often feel isolating, with the daily pressures of operations overshadowing the opportunity to work on long-term goals. Our Quarterly Coaching service is designed to break this cycle, offering enhanced accountability and support to ensure you achieve the desired results for your business.

This service yields tangible outcomes, including heightened profitability and cashflow, personalized reporting templates to gauge actual performance against forecasts, and access to an expert sounding board. With Quarterly Coaching, you gain a trusted partner to guide you, fostering an environment where you can consistently work towards and attain your goals.

Monthly Coaching

The journey of owning and operating a business is undoubtedly challenging. Our Monthly Coaching program is meticulously designed to provide you with steadfast accountability and support, ensuring you make optimal decisions for both yourself and your business. Collaboratively, we embark on a journey to develop effective strategies, working towards your desired outcomes and the lifestyle you envision.

Whether your business is navigating significant change or you simply seek regular contact with a trusted coach, our Monthly Coaching services are tailored to meet your needs. Let us be your partners in progress, guiding you towards sustainable success and fulfilment.

Bookkeeping That Keeps Your Business Clean, Compliant & In Control

Accurate, up-to-date bookkeeping is the backbone of a healthy business — and we make it simple.

At Business Navigators, our bookkeeping services ensure your financial records are always organised, reconciled, and ready when you need them. Whether you’re drowning in receipts, falling behind on reconciling bank transactions, or just tired of DIY stress — we’ve got you.

Our bookkeeping includes:

• Bank and credit card reconciliations
• Accounts receivable and payable tracking
• Invoicing and payment follow-ups
• Expense and receipt management
• Real-time Xero support and clean-ups

We keep things tidy behind the scenes, so you can make decisions with clarity, not guesswork.

Ideal for:

• Time-strapped business owners
• Growing teams who need scalable systems
• Startups wanting to build solid financial habits early
• Businesses wanting accurate data for cashflow and tax planning

KPI Improvement Coaching

Unlocking the potential of your business begins with a deep understanding of its key drivers. Our KPI Improvement Coaching service is designed to make this journey seamless, empowering you to increase profits and liberate cashflow.

We initiate the process by identifying your key drivers, whether financial (e.g., gross profit margin) or non-financial (e.g., customer satisfaction ratings). Next, we guide you in measuring each Key Performance Indicator (KPI) and setting improvement targets. As your confidence grows in measuring KPIs, we provide ongoing coaching, focusing on tactical plans that prioritize process and behavioral changes essential for sustained improvement.

Through dedicating a small amount of time each week and implementing simple changes, you can witness a dramatic enhancement in your KPIs, significantly impacting both your business performance and personal life. Elevate your understanding and master the art of KPI improvement with our strategic coaching services in New Zealand.

Fractional CFO Services for New Zealand Small Businesses

You don’t need a full-time CFO to make big moves—you just need the right one, at the right time.

At Business Navigators, our Fractional CFO service provides you with senior-level financial expertise and strategic insight, tailored to your stage of business. You’ll gain a trusted advisor who helps you make confident decisions, scale sustainably, and stay ahead of financial challenges.

We help you:

• Build and review budgets, forecasts, and financial models
• Make sense of your numbers to support smart decision-making
• Plan for growth, funding, hiring, and capital investment
• Improve cashflow, profitability, and financial systems
• Gain financial confidence without a full-time hire

Delivered part-time or remotely, our Fractional CFO service is ideal for:

• Business owners ready to scale but unsure how
• Founders needing clear financial visibility and structure
• Teams that need leadership in finance but can’t yet justify a full-time CFO
• SMEs facing complexity, uncertainty, or major decisions

Get CFO-level clarity and strategy — without the full-time cost.
Let’s partner to grow your business, the smart way.

Accounting and Tax Services That Make Lodgement Easy and Insightful

We don’t just file your tax return and walk away. Our accounting services help you understand your numbers, stay compliant, and find ways to improve performance and profitability.

Our NZ accounting and tax services include:

• Annual financial statement preparation
• Income tax returns for companies and individuals
• GST returns and PAYE filing
• Tax planning and payment scheduling
• Liaising with IRD on your behalf
• Advice on company structure, shareholder salaries, and distributions

We speak plain English, keep you ahead of deadlines, and ensure you’re only paying what you need to — no more, no less.

Ideal for:

• Business owners who want peace of mind at tax time
• Companies looking to stay compliant and cashflow positive
• Sole traders, contractors, and startups navigating new tax rules
• Any NZ-based business that wants a proactive, trusted accounting partner

Xero Training and Support

Maximise the power of cloud-based accounting with our Xero Training and Support services in New Zealand. As passionate advocates of Xero’s cutting-edge software, we, as a Xero Partner, bring in-depth knowledge and hands-on experience to ensure you extract the utmost value from your accounting software.

Whether you’re looking for set-up assistance, seamless implementation, or personalised training sessions, we’ve got you covered every step of the way. Our commitment extends beyond mere support – we love recommending Xero to clients seeking a robust accounting system. As a bonus, our Xero Partnership often enables us to secure discounted subscriptions on your chosen monthly plan. Simply ask us how!

Embrace the efficiency of cloud-based accounting with our dedicated Xero Training and Support services – unlocking the full potential of your financial management with expert guidance and cost-effective solutions.