Built on Real Numbers, Not Guesswork

We started fenvialento in 2018 because too many businesses were drowning in spreadsheets but still couldn't answer the one question that mattered: do we have enough cash to keep going?

Financial analysis workspace with documents and calculator

Where It Actually Started

Back in 2017, I was consulting for a manufacturing business in Newcastle. They had three accountants and a finance director. Their books were spotless. But when the owner asked if they could afford to hire two more production workers, nobody could give him a straight answer within 48 hours.

That felt wrong. So we built something different. Not another accounting system, not more reporting dashboards. Just a clear way to see where working capital goes and when cash flow gets tight.

The Australian market made sense for us. Businesses here face seasonal challenges, supplier payment terms that vary wildly, and customer payment patterns that can shift month to month. We needed a system that reflected those realities instead of pretending they don't exist.

How We Actually Do This

Most financial analysis gets stuck in historical data. We focus on what's coming because that's what you can still do something about.

Forward-Looking Analysis

We track receivables aging, payables timing, and inventory turnover together. Not separately in three different reports. This shows you where cash will be in 30, 60, and 90 days based on actual patterns, not textbook assumptions.

Industry Context Matters

A retailer's working capital needs look nothing like a service business. We adjust our analysis based on your sector because generic benchmarks are worse than useless when making real decisions.

Scenario Testing

What happens if your biggest customer pays 15 days late? What if you extend payment terms to win that new contract? We model these situations before you commit, so surprises stay in the spreadsheet instead of your bank account.

The Problems We Keep Seeing

Every business is different, but cash flow issues tend to follow patterns. Here's what we run into most often and how we approach each one.

Seasonal Cash Crunches

Revenue spikes in peak season, then drops for months. Fixed costs don't care about your seasonal patterns, and traditional analysis treats every quarter the same.

Our Approach

We map your cash cycle against your seasonal patterns. This shows exactly when to build reserves, when to invest, and when to just survive until the next peak. No generic advice about maintaining three months of expenses.

Growth That Eats Cash

Sales are up, orders are increasing, but somehow you're always short on cash. Growth requires inventory, extends receivables, and usually means you pay suppliers before customers pay you.

Our Approach

We calculate your cash conversion cycle and show how each new sale impacts working capital. Then we can model whether your current structure can sustain the growth rate, or what needs to change first.

Payment Term Mismatches

You give customers 60 days to pay. Your suppliers want payment in 30. The math never works unless you have a massive cash buffer or perfect timing.

Our Approach

We track the actual payment behavior, not the stated terms. Then look for spots where you can renegotiate, adjust pricing, or structure deals differently. Sometimes small changes in payment timing make huge differences.

Inventory Sitting Too Long

Stock ties up cash. Slow-moving inventory ties up cash for months or years. Most businesses only notice when they physically run out of warehouse space.

Our Approach

We analyze turnover rates by product category and flag items that aren't earning their keep. This often reveals that 20% of your inventory is consuming 60% of your working capital while generating minimal sales.

Who's Behind This

We're not a huge team. Just people who've spent years working with Australian businesses on working capital challenges.

Henrik Lindqvist

Financial Analysis Lead

Spent 12 years doing turnaround consulting before joining fenvialento in 2019. Knows exactly what working capital stress looks like because he's seen it up close in over 40 businesses.

Siobhan Callaghan

Client Strategy Director

Former CFO for a retail chain with 23 locations. Joined us in 2020 because she was tired of seeing good businesses fail due to preventable cash flow problems.

What Guides Our Work

Clarity Over Complexity

Financial analysis can get complicated. But the insights need to be crystal clear. If you need a finance degree to understand our recommendations, we've failed.

Context Always Matters

Every business operates differently. What works for one sector or size doesn't translate. We adjust our approach based on your actual situation instead of applying cookie-cutter solutions.

Forward Focus

Historical data matters for patterns, but decisions get made about the future. We spend most of our time on what's coming and what you can do about it.

Honest Assessment

Sometimes the numbers say you shouldn't expand right now. Sometimes they reveal uncomfortable truths about product lines or customer segments. We tell you what we see, not what sounds nice.

Business planning and financial strategy session

Detailed financial analysis and reporting