The Financial Operating System for Business Owners
If your business cannot surface these numbers quickly and confidently, it is not a team problem – it is an operating system problem.
Built From the $35M CEO Reality
"I spent 15 years as a CEO, scaling a retail network from the shop floor to 20 locations and $35M in turnover.
Top-line growth was masking operational chaos. From the outside, we were thriving. On the inside, I was flying blind. Reports were late, profit was leaking through margin drag, and I was making multi-million dollar decisions on hope.
I realised good bookkeepers and accountants cannot fix a financial operating model that has not kept pace with the business. I built Rachy OS to give business owners — at $4M or $40M — the exact financial operating system I wish I had installed years earlier."
The Problem Isn't Your Team.
It's the Operating System.
Growing businesses rarely get into trouble because nobody is doing the books. The risk is that bookkeeping, cash flow and decision-making become disconnected as complexity compounds.
- The Incomplete Picture: Making critical expansion decisions from reports that are weeks out of date.
- The Single Point of Failure: Relying on one person to manage daily finance tasks, receivables visibility and forward cash forecasting.
- The Owner Bottleneck: Spending late nights checking the numbers just to know whether the business position is real.
Rachy Closes the Gap.
We do not replace your trusted people or add software on top of messy processes. We work alongside your team and accountant to install a financial operating system built for how the business actually runs.
01Systemised Daily Operations
Daily ledger processing, accounts payable matching and receivables tracked and aged automatically, so key financial activity stays current and visible.
02Your Accountant's Best Friend
Your accountant receives cleaner, better-structured information, so they can spend less time fixing data and more time advising you.
03Live 13-Week Cash Parameters
Every Monday morning, a true 13-week cash runway streams straight to your phone, so you see problems while they're still small, not after they've become expensive.
The 8 Commercial Vitals
Most financial problems do not appear suddenly. They build quietly inside numbers that are late, incomplete or difficult to trust. Then the business hits a pressure point – a bank review, partner buyout, slow quarter, expansion decision or cash squeeze – and the owner realises there is not enough financial truth to stand on. These are the eight numbers I didn't have in the room while scaling to $35M — built from where it actually went wrong, not from theory.
True Cash Runway
How long your cash lasts and where it is heading.
Revenue & Margin Diversity
Where revenue and profit are concentrated or exposed.
Gross Margin Velocity
Where profit is being lost across products, customers or services.
Intercompany & Ledger Hygiene
Whether the numbers are clean enough to trust.
Close Velocity
How quickly reliable numbers are available after month-end.
Working Capital Drag
Where cash is trapped in debtors, creditors or inventory.
Continuity & Systems Risk
Whether finance depends too heavily on one person or process.
Balance Sheet & Solvency
Whether the business can meet obligations and withstand pressure.
100% Free · No Obligation · NDA Direct
Australian Strategy.
Global Execution.
We don't build custom software; we leverage secure AI data processing infrastructure alongside standard enterprise tools and corporate banking APIs, improving ledger accuracy and financial visibility through the Rachy App interface.
Australian Governance
Director level commercial strategy, client onboarding, and data validation are executed permanently on the Sunshine Coast.
MBA Pod Execution
Daily processing, ledger hygiene, and automated AR workflows are run out of our secure Cebu hub by MBA qualified Senior Accountants, trained to Australian standards.
Capital Sovereignty
All work routes through encrypted Australian IP pathways on a non-authorising model. We hold zero bank tokens or transfer rights. Your capital stays 100% under your control.
Built for Established, Growing Businesses ($3M to $30M)
For businesses managing multiple stores, sales channels, supplier reconciliations and cash tied up in stock.
For businesses where project margins, subcontractor costs, variations, equipment costs and payment timing can quickly shift profitability.
For practices managing high volumes of client payments, insurance claims, supplier payments and practitioner-level performance.
For owners managing multiple entities, intercompany balances, historical cleanup and reporting that needs to be board-ready.
Clear scope.
Zero ambiguity.
Strategy stays with you, your CFO, and your advisors; Rachy manages the agreed daily financial workflows. Every engagement is strictly governed by a Mutual NDA.
- Sign Off or Authorise Funds: We process data and match invoices, but we hold zero bank tokens, transfer rights, or signing authority. Final payment release remains strictly with you under your own MFA devices.
- Submit Final Tax or BAS: We provide clean ledgers and supporting information; final statutory lodgements remain with your registered tax agent.
- Provide Legal or Investment Advice: Reserved strictly for your qualified professional advisors.
- Execute Payroll Processing or Award Interpretations: We reconcile cash outgoings, but hold zero responsibility for active payroll processing, timesheets, superannuation compliance, or Fair Work award logic.
- Execute Outbound Debt Collection Calls: We surface aged receivables and flag overdue accounts on a standard statement rhythm; we do not operate an outbound phone debt collection agency.
Three Simple Steps to Get Started
Health Check → Audit → OS Switch On. No software dumped on top of broken data.
1 | The 15-Minute Health Check
A 15-minute Health Check to identify where financial information may be missing, delayed or difficult to trust.
2 | The Financial Operating Audit
A read-only review under NDA to establish the baseline across cash visibility, data quality, reporting, workflows and key financial risks. (100% credited back toward Month 1 retainer on conversion).
3 | Rachy OS Switch On
Rachy works with your existing team to manage the agreed financial workflows and provide timely visibility of cash, margin and risk. Live reporting goes to your phone.
"Rachy works alongside your bookkeeper, accountant and advisers. We do not replace trust. We close the gaps between daily processing, compliance and the information owners need to make decisions."
If Rachy is not the right fit within the first 30 days, you can exit without friction or penalties.
Your 8 Commercial Vitals. Straight to your phone.
Once the ledger is cleaned, verified and locked down by the pod, the Rachy phone interface goes live. Every Monday morning, you get real-time visibility over your true cash runway, operational margins, and daily vitals delivered straight to your screen.
No digging through complex software. Just pure, actionable clarity.
- Bank reconciledMon
- Payroll filedTue
- Board pack sentFri
Built from 15 years of commercial operating experience.
- Secured and operated the first Adidas Originals franchise in Australia.
- Retained by a multinational public company to design its Australian market-entry strategy.
- Built two new revenue channels from zero to $6M and $2M respectively.
System Architecture Retainers
Retained execution pricing. Includes full Rachy Vitals App access, live 13-week cash forecasting, live receivables visibility, and a dedicated managed pod led by MBA qualified Senior Accountants under Australian executive governance.
Core Operations
For lower-complexity, single-site businesses that need cleaner ledgers, reliable workflows and better financial visibility.
Priced according to monthly transaction volume, entity count, and backend integration complexity.
- Full Daily Bookkeeping & Ledger Reconciliations
- Automated Accounts Payable & Receipt Processing
- Aged Receivables Tracking & Reporting
- Weekly Cash Flow & Profit Visibility Dashboard
- Rachy Vitals Mobile App Access
- Standard Monthly Financial Reporting Pack
Managed OS
Fast scaling mid market operators, trade outfits, and multi-channel retailers requiring active 3-way forecasting and multi-system integration.
Priced according to monthly transaction volume, entity count, and backend integration complexity.
- Everything in Core Operations, plus:
- Dynamic 13-Week Forward-looking 3-Way Cash Flow Modelling
- Receivables Aging Alerts & Escalation Flags
- Advanced Inventory Planning, Open-to-Buy (OTB) & Margin Return (GMROI) Tracking
- Multi-channel Integration Monitoring (POS, Xero, ERP)
- Fortnightly Executive Scoreboard Review
- Dedicated Pod Lead + Australian SLA Guarantees
Enterprise Infrastructure
Complex multi-site networks, high-volume franchises, and group structures ($10M to $35M turnover) with reduced key-person risk.
Priced according to monthly transaction volume, entity count, and backend integration complexity.
- Everything in Managed OS, plus:
- Full Group Consolidated Financials & Intercompany Reconciliations
- Custom Boardroom Report Packs & M&A Data Room Readiness
- High-volume workflow design and POS/ERP coordination
- Direct Executive Monthly Strategic Alignment Call
- Priority support and agreed SLA coverage
Frequently Asked Questions
Get Complete Visibility Over Your Numbers
The Health Check provides a direct, objective map of your finance function and a clear, low-risk path forward.