Navio Finance

The finance work nobody
wanted to do on a Friday.

You do not ask Navio Finance for the month. It reads the payment tool, the mailbox and the ledger on its own schedule, and the surface is already the report: position, what needs deciding, both ledgers line by line, who owes what, and every figure naming the tool it came from. Ask it something and it answers — but you should not have to.

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Nothing is typed in this one. Navio reads the payment tool, the mailbox and the ledger on its own schedule, so the finance surface is already the month: position and runway, the decisions still waiting on a person, six months of revenue against expenses, both ledgers line by line with the tool each figure came from, who owes what and for how long, and every vendor commitment against what it is actually used for.

On the page, before you ask

Eight blocks, read from your own tools.

  • Position

    Cash on hand, net profit against last month, runway with the division it came from, and what is still collectible.

  • Needs attention

    The notice window that closes first, the invoice owed longest, the biggest recoverable leak — each one a decision, none of them taken for you.

  • Six months, side by side

    Revenue against expenses, month by month, with the net under each one. Hover a month and it reads itself out.

  • Cash, month by month

    The line the board asks about, from the accounts Navio can actually read — with the move since last month.

  • Both ledgers, line by line

    Every revenue and expense line with its share, its move since last month, and the mark of the tool it was read from.

  • Who owes us

    Open invoices by age: not due, late, at risk. Customer, reference, due date and where each one was found.

  • What we are committed to

    Vendor contracts against actual usage, with the renewal date, the last day to give notice, and what the numbers suggest doing.

  • Where the figures came from

    Every tool that was read and when — and, in the same list, whatever could not be reached and was therefore left out of the totals.

What it carries

A finance department’s week, minus the parts that never needed a person.

  • Runway and burn, asked in a sentence

    “How long do we have at this burn?” is a question, not a report request. Navio reads the ledger and the payment tools, does the arithmetic against real balances, and answers with the figures it used — so you can check it rather than trust it.

  • Receipts and bills, filed as they arrive

    Drop in a photo, a PDF or a forwarded invoice. Navio extracts the vendor, the amount, the date, the tax and the category, matches it against the ledger, and flags what it could not read rather than guessing a number.

  • Vendor and subscription review

    Every agreement has a renewal window and a notice period, and both are usually discovered late. Navio reviews what is committed against what is used, and names the ones worth renegotiating before the window closes.

  • The month, closed

    Revenue totalled across the payment tool and the invoices sitting in the mailbox, an expense table built from the bills themselves, this month set against last, and the net profit at the bottom. Every line says which tool it was read from, and the mail to the board waits for you.

  • A weekly health read

    Liquidity, efficiency, solvency and the direction each is moving, on a schedule you set. It arrives as a short brief with the working shown, not a dashboard nobody opens.

  • Money never moves on its own

    A payment, an invoice, an email to the board: prepared in full, shown exactly as it would go out, editable, and executed only when a named person approves. Nothing in this list is an exception.

Where the figures come from

Your books stay where they are.

Navio does not ask you to migrate the ledger into it. It connects to the accounting, payment and document tools the work already lives in, reads them with the permissions you grant, and writes back only through an approval.

See the whole catalogue
  • Stripe
  • QuickBooks
  • Xero
  • Gmail
  • Notion
  • Google Sheets

Before you hand over the books

Three rules that make this safe to leave running.

Every figure names its source
A number Navio reports comes with the tool it came from and when it was read. A figure it could not reach is reported as missing, not estimated into place.
Reading is not the same as acting
Navio reads the accounting and payment tools it has credentials for, at any time, without interrupting you. Anything that sends, pays, files or publishes stops at a human decision.
Not connected means not connected
A service without credentials reads “not connected” and stays that way. Navio is told which tools genuinely exist, so it cannot claim to have checked a ledger it never opened.

Start with one month’s books

Connect the ledger and the payment tool, ask for the month, and check every figure against its source. If it does not hold up, nothing was sent anywhere.

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