Financial Consulting to Strengthen Your Business Financial Performance

Pricing isn’t just about what your competitors charge or what “feels right.” It’s one of the most powerful levers in your business—affecting every dollar that hits your bank account.

Yet, many small business owners set prices based on gut instinct rather than strategy. The result? They undercharge, undervalue themselves, or lose customers by pricing out of the market.

And the risk is real. Australian insolvencies jumped 43% in 2024-2025, with construction hit hardest. Why? Partially, because many were locked into unsustainable pricing while costs spiralled. It’s a cautionary tale of what happens when businesses don’t regularly review and refine their pricing models.

As your financial consultant, I help you:

• Understand the link between pricing, margins, and breakeven points
• Analyse your competitors—without copying them blindly
• Use cost-based, value-based, or tiered pricing depending on your model
• Review your pricing structure for gaps or missed revenue

Whether you're a café owner wondering if your flat white is priced too low or a creative agency not charging for strategy time, I’ll help you to find the right pricing strategy for your business.

If there’s one thing that sinks businesses faster than poor sales—it’s poor cash flow. And you don’t need to take my word for it: A UNSW study found that 78% of Australian small and medium businesses experienced cash flow issues in the past 12 months. Even more alarming, 27% of owners dipped into personal savings or skipped their own salary to keep the business afloat.

Let’s be clear: a business can look profitable on paper and still fail if cash isn’t flowing in and out at the right times.

That’s why I work with you to:

• Understand the real difference between profit and cash
• Build and manage cash flow forecasts
• Improve your receivables strategy and shorten your payment cycles
• Determine cash reserves to cover seasonal or unexpected downturns
• Review inventory management practices to avoid tying up too much cash in slow-moving stock

Financial statements shouldn’t just be for tax time—they’re decision-making tools.

Yet many small business owners don’t regularly review their profit and loss, balance sheet, or cash flow statements—something I often see as a financial coach working across different industries. They focus on sales growth but miss declining margins or overhead creep. This is dangerous territory. Business owners must look beyond the “top line” and assess whether their operations are actually profitable.

As your financial consultant, I’ll help you:

• Decode financial reports in plain English
• Calculate and track key financial ratios (e.g., gross profit margin, current ratio, ROI)
• Set up simple dashboards for regular performance check-ins
• Forecast cash and revenue trends to support hiring, inventory, or marketing decisions

With the right financial visibility, you won’t just survive—you’ll steer your business toward long-term sustainability and strategic growth.

According to Xero’s State of Small Business Report, nearly half of small businesses fail to hit profit targets consistently. That’s not due to laziness or lack of effort—it’s usually due to pricing errors, inefficient operations, or unnoticed cost blowouts.

That’s where financial coaching comes in. I'll identify what’s dragging down your profitability, whether it's:

• Underpriced services
• High variable costs
• Overreliance on discounts
• Inefficient labour deployment
• Or poor supplier terms

Then, together, we put improvement strategies in place—like bundling, repricing, cost reviews, or better inventory control—to boost your bottom line.

Even small tweaks can create big ripple effects. The key is knowing where to look.