We Started With a Question

Back in 2018, a mate asked me why his profitable business couldn't pay bills on time. That conversation changed everything. Turns out, cash flow and profit aren't the same thing—and most people running businesses don't realize it until trouble hits.

Financial analysis workspace with documents and charts

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.

What Guides Our Work

Financial education shouldn't feel like studying a foreign language. We focus on clarity, honesty, and techniques you can actually apply to your situation.

Plain Language

Financial terms get confusing fast. We break down concepts like working capital ratios and debt coverage using examples from real Australian businesses—not textbook theories.

Practical Tools

Every lesson connects to something you can do tomorrow. Calculate your current ratio, spot warning signs in cash flow patterns, or build a simple liquidity buffer. No fluff.

Honest Limitations

Financial analysis won't save a fundamentally broken business model. But it will help you see problems coming and make better decisions with the resources you have.

How We Structure Learning

  • Start with your actual numbers. We help you gather the financial data you already have—bank statements, invoices, bills—and organize them into useful formats.
  • Learn analysis techniques that matter. Focus on liquidity metrics first: current ratio, quick ratio, cash conversion cycle. Then move into solvency measures like debt-to-equity and interest coverage.
  • Apply insights to decisions. Once you understand your financial position, we show you how to use that knowledge for planning purchases, hiring, or navigating slow seasons.
  • Build ongoing habits. Financial health isn't a one-time check. We teach simple monthly review processes that take an hour but prevent nasty surprises.
Business owner reviewing financial statements
Calculator and financial documents on desk
Hands pointing at financial charts during meeting
Person working on laptop with financial data
Roisin Fletcher, Lead Financial Educator at qarolinthes

Roisin Fletcher

Lead Financial Educator

Meet One of Our Educators

Roisin spent twelve years helping regional businesses in NSW navigate everything from seasonal cash crunches to expansion planning. She's worked with farmers facing drought years, retailers managing inventory cash flow, and service businesses dealing with lumpy payment schedules.

What she noticed: most owners had solid business instincts but struggled to translate gut feelings into financial analysis. They'd sense something was off but couldn't pinpoint whether it was a revenue problem, an expense issue, or a timing mismatch.

Now she designs our liquidity courses, focusing on the scenarios that trip people up most often. Her teaching style combines spreadsheet walkthroughs with real case studies—the kind where you see exactly how a business improved their position over six months, or where warning signs appeared three months before a crisis.