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Navigator AI

One office for the numbers.

Live KPIs, cash discipline and board-ready answers — one product, computed from your own ledger.

Multi-entity consolidationGroup or entity-wise, one click
AP & AR suiteCapture, approve, collect
Budget vs actual + covenantsNavigator insights on top

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Connect your systems

Read-only, via OAuth 2.0 — the same protocol your bank uses. Accounting is all Navigator needs to start; the rest sharpens the picture.

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Connected

Banks and cards connect via Plaid — coming soon. You can add sources any time.

Navigator read your books

218 accounts mapped automatically (96%) · 3 entities detected · 14 months of history pulled. Three things need attention before your numbers are fully trustworthy:

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You're ready.

Your dashboard is live, reconciled to your ledger, and refreshes every morning at 6 AM. Navigator found three insights on day one.

Day-one insights
Gross margin expanded 0.7pt in July — the Hartwell repricing is working.
Three invoices over $30K are past 60 days — a chase list is drafted.
On the current path, cash dips below your $450K covenant floor in November.
CFOLogic
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Sarah Caldwell
Owner · Beacon Facilities
Security Privacy Terms © 2026 CFOLogic
Mon 17 Aug 2026

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Reconciled to Chase ±$0.00 QBO · Gusto · ServiceTitan synced 6:05–6:10 AM
Gross margin
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Margin drivers — July
Hartwell repriced +6% → +$9.8K/mo
Overtime 4.1% of direct labor (Jun 6.3%)
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Revenue lens
July MoM+2.6%
QTD · YTD$1.41M · $4.71M
Concentration is creeping — two mid-size wins fix it.
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July cash walk
In · Out$721K · $676K
Net · buffer+$45K · $450K
Collections is the November lever.
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Past 60 days
Meridian$42K · 71d
Corelane · Ashvale$38K · $31K
Three invoices drive the whole miss.

Revenue vs operating cost

Trailing 12 months
Revenue Op. cost
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Revenue{{tipR}}
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Margin{{tipG}}
Navigator: margin expanded 0.7pt in July on the Hartwell repricing — the first structural gain since January. Cost line is tracking plan.
Navigator

Three things need your attention

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Cash in vs out

Last 6 months · USD 000s

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Inflows Outflows

Receivables aging

$391K outstanding · DSO 47 days
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Navigator: three invoices over $30K are past 60 days — chase list drafted.

Upcoming obligations

Next 30 days · $300.7K committed

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Ask the numbers anything.

Answers are grounded in July actuals and the 13-week forecast — not generic advice.
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Analysing July actuals…
Recent
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Fiscal 2026 · closed through July
Budget FY26 · BvA on Closed 4 Aug · unaudited

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USD 000s · {{basisLabel}}
Line item{{colA}}{{colB}}Δ MoMBudgetBvAYTD
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Push reporting

Email · Slack · Teams
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Open invoices — $391K

3 past 60 days
ClientInvoiceAmountAgeStatus
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Aging

DSO 47 days · target 40
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Collections engine

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Bill queue

2 need your approval
VendorEntityGL (suggested)DueAmountStatus
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How bills arrive

Bill.com-style capture and approvals — payments stay in your bank.

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SBA 7(a) · First Federal Bank $1.2M outstanding · 10-year · matures Mar 2031 Q3 checkpoint · 15 Oct
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SBA 7(a) compliance

Every requirement in your loan agreement, tracked from the ledger and your filings
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Lender reporting

Quarterly covenant certificate, auto-compiled from the ledger. Next package due 15 Oct (Q3 FY26).
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Projected cash on hand

Stays above the floor Breaches the $450K floor Trough {{fcTrough}}

Weekly, next 13 weeks · rebuilt nightly from AR due dates, AP schedule and payroll calendar

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Scenarios

Toggle a decision — the curve updates live.

Navigator's read

On the current path cash dips below the $450K covenant floor in late October. Collections alone clears it — turn on the first scenario to see the curve hold.

This combination keeps every week above the covenant floor. Safe to commit.
Navigator suggests

KPIs picked for your business

Based on industry (facilities services + hospitality), $8.5M revenue, 3 entities, SBA loan
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Tracking now

On the dashboard and in every board pack
Four perspectives · every KPI clicks through to its detail
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Add from library
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EBITDA bridge — Jun → Jul

What moved the bottom line · USD 000s

Where July's revenue went

$712K in → $94.5K EBITDA · USD 000s

Entity health

Scored 0–100 by Navigator

Debt service coverage

Covenant floor 1.25×

Covenant headroom

Actual as % of requirement · line = covenant

Gross margin by entity

Jun → Jul slope

July spend composition

Delivery + operating · USD 000s

Daily cash balance

1 Jun – 17 Aug · darker = more cash · dips cluster around the 25th payroll run
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Scoped access
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Adapter
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Module preview — enabled per client in Settings → Modules. Screens, KPI definitions and the data adapter ship with the module.

Workspace

Profile photo
Drag a photo onto the circle, or click to browse.

People & access

Inside and outside the business — scoped by role.

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Modules

Verticals are configurations, not forks. Turn a module on and its screens, KPIs and data adapter appear for this client.

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Always on

Appearance

Pick an accent theme — it recolors charts, buttons and highlights across Navigator.
Navigator
Grounded in July actuals · always on
Ask anything about the numbers — or start from one of these:
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Navigator
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Analysing July actuals…
Decision memo · prepared by Navigator

Cash plan — next 13 weeks

ToBoard of Directors, Beacon Facilities Group FromSarah Caldwell · prepared with Navigator Date17 August 2026 Re13-week cash plan and covenant headroom
Decisions under consideration
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No scenarios toggled — this memo reflects the base path. Toggle scenarios on the Forecast page to include them.
Projected position
Trough
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Covenant floor
$450K
Payroll 25 Aug
Covered
Navigator's recommendation

On the current path cash breaches the $450K liquidity covenant in late October. Recommend collecting the three 60+ day invoices ($111K) before committing to new spend; that action alone restores headroom through November.

The selected plan keeps every week above the $450K liquidity covenant, with the trough at {{fcTrough}}. Recommend proceeding, with collections tracked weekly as the protecting assumption.

Upload budget

FY26 · maps to your QuickBooks chart of accounts
Drop your budget here
XLSX or CSV · by month, by entity · download template

Once imported, every KPI and report line carries a budget-vs-actual variance, and Navigator's insights lead with the biggest deviations.
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