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The Kartel Solution.

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Australia
Melbourne, VIC
The Kartel Solution.

More profit. Better cash flow. We help service-based business owners build a business that delivers Hi, Rebecca here - Coffee lover & Xero expert!

I’m a Melbourne Bookkeeper and BAS Agent, and I help SMALL businesses achieve BIG things! I love being able to take some stress away from small business owners and give them clarity and control over their money. I'm passionate about using Xero and automation to create efficiencies and get the MOST done, in the LEAST amount of time. If you need help managing your finances, let’s chat. [email protected]

05/11/2026

Changing how your finance function runs is a big decision. It starts with a short conversation.

1. 15-Minute Discovery Call. We talk about your business, the finance support in place, and what has changed.

2. Finance Review. If there’s a fit, we review your Xero file, reporting, systems, and current support.

3. Your Recommendation. What’s working, what needs attention, the ongoing scope, and the fixed monthly fee — all before anything begins.

Partnerships start from $3,000 + GST per month.
Book a 15-Minute Discovery Call through the link in bio.

04/11/2026

Revenue going up is easy to see. Whether the business is getting stronger is harder to tell.

The Finance Office is built around three things.

1. Numbers you can trust. Bookkeeping, payroll, and reporting kept current, so you’re looking at this month’s picture.

2. Direction you can act on. Strategy sessions and commercial direction on cash, pricing, margin, people, and the decisions ahead.

3. Progress you can measure. Better systems and less manual work, so the finance function keeps pace as the business grows.

Grow on numbers. Not instinct.

03/11/2026

Your business has grown. The finance support that got you here may not have kept pace. Reports arrive late, systems are manual, and decisions about cash, pricing, and people get made from the bank balance.

We’re The Kartel Solution, a Melbourne-based finance team led by Rebecca Kartel, working with established service businesses across Australia.

The Finance Office is one team running your entire finance function. Bookkeeping, payroll, BAS, reporting, and cash flow, plus strategy sessions on what the numbers mean and what happens next.

Your finance department, without the hire.

28/10/2026

Did you know that some of the money in your bank account isn’t yours to spend?

The GST you’ve collected sits there until your BAS is due.
For a few weeks, the balance looks healthier than it is.

Then there’s what leaves the account without showing up in full in that month’s profit: loan repayments, equipment, tax installments, and what you draw from the business.

When the profit report and the bank account don’t match, these are two of the first places I always look.

26/10/2026

A profitable business can still be short of cash.

Profit and cash measure different things. An invoice counts as revenue the day it goes out. It only helps your bank balance when it’s paid.

If clients take 60 days, you’ve paid your team several times before that money arrives.

Growth makes the gap wider. Every new hire and every bigger project uses cash before it produces it.

24/09/2026

"I'll fix that when things settle down."

It's one of the lines I hear often from business owners.

The problem is, things often don't settle down. As soon as one thing is ticked off the list, something else takes its place. The issue you planned to fix never becomes the priority.

Growth doesn't wait for a quiet month. Every pricing decision, new hire, and commitment gets built on the foundation you have now.

That's why the right time to strengthen the foundation is while you're busy. Slowing down now sets the business up to grow well, rather than carrying the same issue into the next stage.

Choose one thing you've been putting off.

Give it your attention this week.

15/09/2026

A GP doesn’t hand over a prescription in the first five minutes. There’s a conversation first. Questions, listening, understanding what’s actually going on before anything gets diagnosed.

A session here starts the same way. Before any numbers are reviewed, time is spent understanding what’s actually happening in the business, not just what the last report says.

Diagnosis before direction.
That’s where the real difference gets made.

06/08/2026

If a slow month makes your stomach drop, that feeling is telling you something.

Looking at a single bank account balance only tells you what has landed today.

It has no idea what is already committed for tomorrow, and neither do you when everything is sitting in one place.

When every dollar is mixed together, every dollar looks available. And that is where the trouble starts.

Give your money a job before you spend it.
Separate it into three clear purposes: day-to-day operations, obligations like super and BAS, and business savings.

That is where the certainty starts.

If you are sick of crossing your fingers at the end of the month, send us a DM.

We have seen this before, and yes, it is fixable.

05/08/2026

If you are working harder than ever but your bank balance tells a completely different story, you are not imagining it.

You have built something real. The team is growing, the clients are coming in, and on paper it looks like success.

But quietly, privately, you are wondering why it does not feel like it yet.

Revenue is vanity. Profit creates freedom.

Right now, your revenue is growing faster than your profit is.

Pull up your last profit and loss statement and look at your net profit percentage, not the total revenue.

Has that number grown alongside your sales, or has it quietly stalled?

If you are sick and tired of wondering where your money goes, book a call through the link in our bio.

We will find it.

04/08/2026

A healthy Xero bank balance is not a plan. It’s a snapshot.

Here’s how it usually goes.

You log in, the number looks good, so you sign the lease or make the senior hire. Then the quarterly BAS lands. Two big clients pay late.

Payroll doesn’t care about any of that.
The balance you saw today knew nothing about the next 90 days.

That’s the gap our virtual CFO work is built to close. We map a rolling 90-day cash flow forecast, so you can see the dips before they arrive and scale on the numbers instead of a hunch.

Growth stops being a gamble when you can actually see where the cash goes.

Address

69 Chapel Street
Melbourne, VIC
3181

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.thekartelsolution.com.au/

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