Money Talks. We Translate.
Real financial skills for business owners who've spent years avoiding the numbers—and need a better way forward.
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Most Business Owners Don't Fail Because of Bad Ideas
They fail because cash flow stopped making sense three months ago, and no one explained why. Or because tax time became an annual panic ritual. We've worked with Brisbane café owners who couldn't tell you their break-even point, Sydney consultants who thought profit and cash were the same thing, and Melbourne retailers who feared their accountant more than the ATO.
Between 2023 and 2024, we tracked something interesting: businesses that understood their monthly operating ratio stayed open. Those that didn't... well, 40% closed within eighteen months. The difference wasn't intelligence—it was literacy.
Our programs start in July 2026 because frankly, building curriculum that works takes longer than people think. We're not interested in quick fixes or feel-good seminars. Just practical financial knowledge that holds up when your supplier demands early payment and your biggest client goes quiet.
Foundation Literacy
Understanding balance sheets shouldn't require an accounting degree. We break down P&L statements, working capital, and margin calculations using real Australian small business examples. You'll learn what matters and what doesn't when you're reading your own numbers at 11pm on a Wednesday.
Cash Flow Mechanics
Revenue isn't money in the bank. That lesson costs some people their business. We teach the timing gap between invoicing and liquidity, how to structure payment terms that actually work, and why your busiest month might be your most dangerous financially.
Tax Strategy Basics
Not tax avoidance—tax understanding. GST obligations, quarterly obligations, deduction structures, and how to set money aside so June doesn't destroy you. These are the conversations your accountant assumes you already understand but probably never had time to explain properly.
Twelve Weeks, No Fluff, Just Numbers That Make Sense
Our winter 2026 cohort runs three hours weekly for twelve weeks. You'll work through your own business financials—not hypothetical case studies. We cover forecasting models, break-even analysis, margin optimization, and debt structure. There's homework. There are calculations. And yes, you'll need to bring your actual numbers.
- Live sessions every Tuesday evening from July 8 through September 23, 2026
- Small group format—maximum 15 participants per cohort
- Direct access to financial mentors with real small business experience
- Practice sessions using your business data in a confidential setting
What Changes When You Understand the Money
These aren't dramatic before-and-after stories. Just practical shifts that happened when the numbers stopped being mysterious.
Pricing Without Panic
One participant—graphic designer, three years in business—realized she'd been pricing jobs at 40% below her actual costs once overheads were factored properly. Within two months of adjusting her rate structure, she could actually pay herself consistently. Not a windfall. Just sustainable.
Conversations That Work
A café owner in our 2024 pilot program learned to have actual conversations with her accountant instead of just nodding politely. She identified $8,000 in eligible deductions she'd been missing annually. More importantly, she stopped feeling stupid asking basic questions about her own business finances.
I spent five years being terrified of my own Xero account. After this program, I actually understand what I'm looking at. My bank balance still fluctuates, but now I know why—and more importantly, what to do about it before it becomes a crisis.
Boutique Owner, Paddington