Financial advisory built for the SME growth stage
Most SME financial problems are cash-flow timing problems wearing a strategy costume. We fix the timing first, then build the strategy on top of it.
Three levers, worked together
Cash flow, funding readiness and owner structuring are treated as one engagement, not three separate invoices.
Cash Flow Structuring
We rebuild your 13-week cash flow model around actual payment behaviour, not invoice terms — most clients recover 15-20 days of working capital within the first quarter.
Avg. +18 days working capital
Funding Readiness
Before you approach a bank or investor, we run the same risk-scoring model they'll implicitly apply, so you walk in with weaknesses already addressed, not discovered.
Avg. 6 weeks to funding-ready
Owner Drawings & Structuring
We separate personal and business exposure cleanly — director loan accounts, drawings policy, and tax structuring reviewed together, not in isolation.
Reviewed against FPI standard
What's included in the SME Advisory engagement
A fixed, named scope — nothing billed by surprise, nothing left to interpretation.
What clients found once they could see it
Real numbers, from owner-managed businesses across South Africa.
"They found R400,000 sitting in overdue receivables we'd written off as slow-payers. Six weeks later it was in the bank."
"The funding-readiness score gave us a number to work toward instead of a vague list of 'improve your books' advice."
"First advisor who explained the working capital gap in days, not paragraphs. We knew exactly what to fix."
Ready to see your working capital number?
A 30-minute discovery call is enough to tell you whether this engagement fits your stage.