Started in 2019 when three former banking analysts noticed something odd. Companies kept asking for loan advice when what they really needed was someone to tell them if they could actually afford it. Not just "will the bank say yes" but "should you even be asking?"
The banking world taught us to look at numbers in one particular way. Asset coverage, income ratios, historical performance. All useful, sure. But we kept seeing businesses with perfect ratios hit cash flow problems six months after approval.
The problem wasn't the numbers themselves. It was timing. A company might have excellent assets and strong revenue, but if their biggest client pays in 90 days and their suppliers want payment in 30, that gap becomes a real issue. The traditional approach misses these patterns.
So we built something different. Not faster or cheaper analysis, just more honest about what the numbers actually show. We track how money moves through your business, not just where it sits on December 31st.
Your balance sheet might look strong in aggregate, but we care more about when money arrives versus when it needs to leave. Cash timing creates more business failures than low profits do.
A 45-day payment cycle means something completely different for a cafe versus a construction firm. We don't compare you to generic benchmarks, we look at what makes sense for your specific operation.
Financial jargon serves no one except people trying to sound important. We explain what we find in normal language because you need to actually use this information, not just file it away.
Two analysts who prefer spreadsheets to small talk. Between us, we've examined financial patterns for manufacturers, retailers, professional services, and hospitality groups across the region.
Specialises in cash flow assessment and working capital optimisation. Spent eight years in commercial banking before realising he preferred solving problems to selling products. Most comfortable with manufacturing clients where inventory timing creates complex patterns.
Focuses on debt structure analysis and long-term financial stability. Background in corporate restructuring means he's seen what happens when liquidity problems go unaddressed. Works primarily with service sector clients navigating growth decisions.
We need three years of financial statements plus your current aged receivables and payables. Also helpful: any loan agreements, lease schedules, and seasonal revenue patterns you've noticed. Takes most clients 2-3 days to gather everything.
This is where we spend most of our time. Looking for recurring timing gaps, seasonal stress points, and structural mismatches between how money comes in versus how it goes out. We build month-by-month cash models going back 36 months.
What happens if your biggest client stretches payment by two weeks? What if your supplier drops early payment discounts? We run your numbers through realistic stress scenarios, not catastrophic ones. You need to know where actual vulnerabilities sit.
Usually takes 90 minutes. We walk through what we found, which patterns concern us, and what options exist for addressing gaps. This isn't a formal presentation, more like comparing notes over coffee. Bring questions.
Most businesses have liquidity patterns they don't see clearly. We can map yours out and show you what the numbers reveal about your cash timing, not just your cash total.
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