Real Company Data
Practice with balance sheets and income statements from retail, manufacturing, and service businesses across NSW and Victoria.
Financial Ratios That Actually Make Sense
Most business owners get stuck trying to read balance sheets. We've spent years turning complex financial metrics into practical decisions you can make Monday morning.
See How We Teach
The Core Ratios Business Owners Need
You don't need a finance degree. Just three ratios that reveal whether your business is growing sustainably or heading for trouble.
Current Ratio
Can you pay your bills next month? This ratio tells you before the panic sets in. We show you how to calculate it in under five minutes using numbers you already have.
Debt-to-Equity
Banks look at this before approving loans. Your suppliers check it before extending credit. Learn what a healthy number looks like for your industry.
Profit Margin
Revenue means nothing if you're not keeping enough of it. We'll help you benchmark against competitors and spot where money disappears.
How We Built This Program
Started in a shared office space above a cafe in 2018. Things got real after that.
2018
First Workshop
Ran our first financial literacy workshop for twelve local business owners. Half of them admitted they'd never calculated their profit margin. That's when we knew this was needed.
2020
Going Remote
Pandemic forced us online. Turned out business owners in regional areas desperately needed accessible financial education. We adapted fast.
2022
Industry Partnerships
Accounting firms started referring clients to us. Not for basic bookkeeping, but for understanding what the numbers actually mean.
2025
Expanding Resources
We're launching quarterly cohorts starting August 2025. Smaller groups, more interaction, better outcomes for people who need this knowledge.
Why Our Method Works
We don't teach theory. Every lesson uses real financial statements from actual Australian businesses—anonymized, but authentic.
Industry Benchmarks
Your liquidity ratio doesn't exist in a vacuum. Compare against sector averages and understand what's normal for your field.
Decision Frameworks
Learn when to reinvest, when to pay down debt, and when your ratios are screaming that you need to change course.
Questions People Actually Ask
Organized by where you are in the decision process
Before Enrolling
Do I need accounting experience?
Not at all. We assume you can read a spreadsheet and do basic arithmetic. Everything else we teach from the ground up.
How much time does this require?
Our September 2025 cohort runs six weeks with two evening sessions per week. Each session is ninety minutes. Homework takes maybe an hour if you actually do it.
During the Program
Can I bring my own financial statements?
Absolutely. Week three is specifically designed for analyzing your business. We work through your numbers together—keeps it relevant.
What if I miss a session?
Recordings are available within 24 hours. But live attendance matters because the discussion is where real learning happens.
After Completion
Will this help me get funding?
Understanding your ratios doesn't guarantee a loan. But you'll walk into bank meetings knowing exactly what they're looking for and whether your numbers are strong enough.
Do you offer ongoing support?
Alumni get access to quarterly review sessions where we analyze current market trends and what they mean for key ratios in different sectors.
Petra Chen
Program DeveloperSpent eight years as a commercial lending analyst before realizing most business owners didn't understand the ratios we used to evaluate them. That seemed unfair.
Now I teach those same ratios in language that doesn't require a finance textbook. Our next cohort starts in September 2025, and spots fill up based on who applies first.
Learn More About Us