CFO Services for Businesses Using Xero

Already using Xero? Now it’s time to turn your data into direction.

Xero does a great job tracking what’s happening. But what about what’s next?


That’s where our CFO team comes in. Straight Talk CPAs uses your real-time Xero data to guide strategic decisions, cash flow planning, and long-term growth—without spreadsheets, guesswork, or delay.



You don’t just need numbers. You need clarity, context, and someone who can connect the financial dots.

Why Xero + a CFO = Real Business Clarity

You already have the tools. But when you’re scaling, managing cash, or making high-stakes decisions, you need someone who can:

  • Read between the lines of your reports
  • Model growth and risk across different scenarios
  • Forecast cash flow with real accuracy
  • Spot issues before they become emergencies
  • Help you present numbers confidently to lenders or investors

That’s what our CFOs do—inside the Xero ecosystem you’re already using.

What’s Included in Xero CFO Services

Cash Flow Forecasting
We use your Xero data to build 3-, 6-, and 12-month forecasts so you can plan ahead—not react late.


Budgeting & Variance Analysis
We help you build smart budgets and track performance month by month, identifying what’s working and what needs attention.


KPI Tracking & Custom Reporting
Profitability, cost centers, sales metrics—you tell us what matters, and we’ll make sure it’s tracked in a way that’s useful and clear.


Scenario & What-If Modeling
Considering hiring, launching, expanding, or buying equipment? We help you compare scenarios so you can act with confidence.


Investor, Board, or Lender Reports
Need to show your financials to outsiders? We prepare polished, accurate packages that communicate what decision-makers want to see.


Strategic Meetings & Advisory
You’ll meet regularly with your CFO to discuss results, review strategy, and stay aligned with your goals.

  • Growing businesses ready to stop guessing and start planning
  • Founders juggling too many financial roles
  • Companies needing clarity before expanding or investing
  • Business owners frustrated by unclear reports or outdated advice
  • Anyone who wants a financial leader without hiring in-house

Who Needs Xero CFO Services?

Real Results, Real Impact

Client Type: Service business with multiple locations and a lean team


The Problem:
They had solid revenue but constant cash flow stress. Their financials didn’t reflect actual performance, and no one could explain why margins were tightening.


What We Did:

  • Built a rolling 12-month cash flow model in Xero
  • Identified high-cost locations dragging down profitability
  • Reworked service pricing based on real data
  • Prepared lender-ready financials to secure working capital

The Result:
Within 90 days, the business stabilized cash flow and secured a $250K line of credit for growth—without cutting staff or downsizing.

FAQs

  • How is CFO service different from CPA or bookkeeping?

    Bookkeepers enter data. CPAs ensure compliance. CFOs help you make strategic financial decisions using forecasts, models, and reports.

  • Do you build forecasts using real Xero data?

    Yes. We create forward-looking cash flow models and “what-if” scenarios based on the actual data in your Xero account.


  • Can you help us prepare for a loan or raise?

    Definitely. We prepare financial reports, projections, and documentation for lenders, investors, and grant programs.


  • Do I need to switch platforms or accounting software?

    No. Our CFOs work directly inside your Xero system—we don’t require any changes to your current tech stack.


  • How often will I meet with my CFO?

    Most clients meet monthly or quarterly, but we can adjust to match your pace of growth or level of complexity.


  • Is this service only for large businesses?

    Nope. We support businesses doing $500K to $10M+ in revenue—what matters most is that you're ready to grow with clarity and direction.