Navio Finance

The finance work nobody
wanted to do on a Friday.

Navio Finance is not a separate product. It is the same assistant, pointed at the ledger: it reads the accounting and payment tools it is allowed to read, answers runway and burn in plain language, prepares the review, the pack and the payment — and never sends one of them without you.

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One question about the month. Navio reads the ledger and the payment tool, checks what is committed against what is used, writes the summary with the figures it used — and holds the mail to the board until someone approves it.

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 board pack, assembled

    Revenue, spend by category, the month's variances, the decisions that need making — pulled from the sources, written in one voice, and held in front of you before a single recipient is emailed.

  • 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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