Built on Real Business Experience
Not Theory. Not Promises. Just Practical Support.
We started quorentivo in 2018 after watching too many solid businesses struggle with something that should be straightforward. Cash flow management isn't rocket science, but it does require attention and honest assessment. That's what we help with.
How This Actually Started
A conversation over terrible coffee in 2017.
Annika had just left her position at a regional bank where she'd spent years reviewing business loan applications. The pattern was exhausting – she'd see profitable companies with decent margins get into trouble because nobody was watching the actual flow of money. Revenue looked good on paper, but the timing was all wrong.
Callum was consulting with small manufacturers at the time. Same story, different angle. Business owners knew their products inside and out but treated financial forecasting like a compliance exercise instead of a useful tool.
So we built something focused purely on the practical side. Not financial planning in the traditional sense. Not investment advice. Just helping businesses understand where their money goes and when they'll need more of it.
By 2019, we were working with 34 clients across Sydney and Melbourne. In 2022, that number hit 187. Today we support over 340 businesses – from construction firms to retail operations to professional services.
What We've Actually Accomplished
Results matter more than credentials. Here's what our clients have experienced since we started tracking outcomes in 2020.
First Full Year of Tracking
Clients reported an average reduction of 23 days in payment cycles after implementing our recommended processes. Started tracking late payment recovery rates – 78% success rate in first six months.
Recognition from Industry
Awarded Business Support Service of the Year by the Australian Small Business Association. Featured in three industry publications for our practical approach to cash flow management without complex software requirements.
Client Retention Milestone
Achieved 89% client retention rate over 24 months – well above industry average of 62%. Clients who stayed with us for two years reduced cash flow disruptions by an average of 41% compared to their baseline year.
Expansion and Methodology
Opened second office in Brisbane. Published our forecasting methodology in the Journal of Business Finance Practice. Training program developed for internal use now requested by 12 accounting firms across Australia.
Current Operations
Supporting 340+ active clients with combined annual revenue exceeding 890 million. Average client has been with us for 2.7 years. Our methods are now taught in two university business programs as case studies in practical finance management.
What's Next
Developing sector-specific forecasting templates based on data from our client base. Planning workshops for September 2025 focused on seasonal business challenges. No fancy promises – just building on what actually works.
Who You'll Actually Work With
Small team by design. Everyone here has worked directly with businesses before joining us. No fresh graduates reading from scripts – just people who understand what it's like when cash gets tight.
Annika Bergström
Managing Director
Spent 11 years at regional banks before this. Reviewed hundreds of business loan applications and saw the same cash flow mistakes repeatedly. Now focuses on helping businesses avoid those patterns before they become problems. Still drinks terrible coffee.
Callum Fitzpatrick
Director of Client Services
Former manufacturing consultant who got tired of seeing good businesses fail over timing issues rather than actual profitability problems. Specializes in working with seasonal businesses and operations with long payment terms. Known for explaining complex situations in plain language.
How We Actually Approach This Work
No proprietary systems or complicated software. We use standard tools and focus on understanding your specific situation. The method matters less than the attention to detail.
We Start with Current Reality
Before any planning happens, we need to understand where money actually goes right now. Not what the budget says – what actually happens. This takes longer than most people expect because the first version is always incomplete. But getting this right matters more than speed.
We Build Forecasts Around Real Patterns
Your business has rhythms. Some are obvious – seasonal demand, quarterly tax payments. Others are subtler – how long different customer types actually take to pay, which months see unexpected expenses. We map these patterns using your historical data, then build forecasts that account for them.
We Check Back Regularly
A forecast from January is outdated by March. We schedule monthly reviews not because it looks professional but because circumstances change. A new supplier. A delayed project. A customer who stretches payment terms. These adjustments prevent small issues from becoming urgent problems.
We Focus on Timing Over Volume
Most businesses don't have revenue problems – they have timing problems. You'll make enough over the year, but three months might be tight while waiting for invoices to clear. That's where planning matters. We help identify these gaps early when you have options, rather than later when you don't.
