The Gap We Noticed
Small businesses across Australia were getting advice about growth, marketing, and profit margins. But hardly anyone talked about liquidity. How much cash do you actually have? Can you cover next month's payroll and rent? What happens if a big client pays late?
These aren't glamorous questions. They're the ones that keep business owners awake at night, though. And the traditional approach—hiring expensive consultants or decoding complicated financial reports—didn't work for most operators trying to stay afloat.
So we built qarolinthes. A place where real business owners could learn practical financial analysis without wading through jargon or needing an accounting degree.