We Help Australian Businesses Navigate Budget Challenges

Based in Lismore since 2019, we've worked with over 180 local businesses to create practical budget adjustment strategies that actually work when revenue shifts unexpectedly.

Financial planning workspace with budget documents and calculator

Started from Real Need

Look, we didn't start this to revolutionize anything. Back in 2019, my colleague Freya Thornbury and I were consulting with small businesses around Northern Rivers. We kept seeing the same problem: owners would panic when income dropped, making rushed decisions that made things worse.

Freya had spent twelve years in agricultural finance. I'd worked with retail and hospitality. We'd both watched good businesses fail not because they weren't viable, but because they didn't have a clear method for adjusting budgets when conditions changed.

So we started putting together frameworks. Nothing fancy at first, just spreadsheets and checklists that helped owners think through their options systematically instead of reactively.

What Matters to Us

①

Honest Numbers

We don't sugarcoat financial situations. If your budget needs serious restructuring, we'll tell you. But we'll also show you exactly what options exist.

②

Local Context

Regional Australian businesses face different challenges than Sydney operations. Seasonal cash flow, supplier relationships, local market conditions—we factor in what actually affects you.

③

Practical Steps

Every strategy we develop breaks down into specific actions you can implement this week. Not vague advice about optimizing or leveraging, but actual tasks.

How We Actually Work

Most of our clients come to us when something's already shifted. Maybe a major customer changed suppliers, or seasonal demand didn't materialize as expected. The pressure's on and decisions need to happen quickly.

We've found that rushed budget cuts usually target the wrong areas. So our process slows things down just enough to get clarity:

First, we map your actual cash flow patterns over the past eighteen months
Then identify which expenses are truly fixed versus those with adjustment flexibility
We model three scenarios with specific numbers and timeframes
Together, we select the approach that preserves your core operations while creating breathing room
Finally, we set up simple tracking systems so you can see if adjustments are working

The whole initial process typically takes two weeks. Not because we work slowly, but because good budget decisions need time to assess properly.

Business owner reviewing financial reports with advisor

What You Can Expect

We're not going to promise specific financial outcomes because too many variables exist outside anyone's control. What we can commit to is a thorough, methodical approach that gives you clearer options.

Response Time

We return calls and emails within one business day. When you're dealing with budget pressure, waiting a week for basic communication isn't acceptable.

Plain Language

Our reports and recommendations use straightforward Australian English. If we need to reference accounting terms, we explain them clearly.

Ongoing Support

After implementing adjustments, we check in monthly for three months to see how things are tracking and make refinements if needed.

Local Availability

While we work with businesses throughout NSW and Queensland, we prioritize in-person meetings for Northern Rivers clients when face-to-face discussion helps.

Let's Talk About Your Situation

If you're facing budget challenges and want someone to walk through your options methodically, get in touch. Initial consultations take about ninety minutes and give us both a sense of whether our approach fits your needs.

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