Building Financial Clarity Since 2018
We started with a straightforward belief: business finances shouldn't feel like a mystery.
Over the past seven years, we've worked with Australian businesses to turn confusing spreadsheets and unclear cash flow into solid financial foundations. Not through complicated jargon or one-size-fits-all templates, but through patient teaching and practical support that actually makes sense.
Where We Started
Back in 2018, our founder Bjarne Lindholm was sitting across from yet another business owner who'd been told their financial situation was "complicated." It wasn't complicated. It just hadn't been explained properly.
That conversation led to pelveriqano. We set up in Castle Hill with a small team and a specific goal: teach business owners to understand their own numbers. Because when you genuinely understand where your money goes, you make better decisions. Simple as that.
These days we work with clients across NSW, but we haven't changed our approach. We still explain things clearly. We still take time to make sure concepts stick. And we still believe that financial confidence comes from understanding, not just from having someone else handle everything for you.
Established 2018What We Actually Teach
These aren't academic theories. They're skills we've refined working with hundreds of Australian businesses over the years.
Cash Flow Management
You'd be surprised how many businesses struggle not because they lack revenue, but because they don't track timing. We teach you to see patterns before they become problems.
Financial Planning Frameworks
Planning doesn't mean predicting the future perfectly. It means having a clear map so you know when you're off track. We show you how to build plans that adapt as circumstances change.
Tax Strategy Basics
Australian tax law has specific quirks. We walk you through the key concepts so you can have smarter conversations with your accountant and spot opportunities they might miss.
Business Structure Decisions
Sole trader, partnership, company, trust... each structure has real implications for tax, liability, and growth. We help you understand which one fits your actual situation.
Reading Financial Reports
Your P&L and balance sheet tell important stories. Once you learn to read them properly, you'll wonder how you managed without this skill. It's like getting glasses after years of blurry vision.
Risk Assessment Methods
Every business faces financial risks. The question is whether you're aware of them or not. We teach frameworks for identifying and evaluating risks before they become expensive lessons.
Who Teaches These Programs
Our instructors bring decades of combined experience working with Australian businesses. More importantly, they remember what it's like to be confused by financial concepts.
Bjarne Lindholm
Founder & Lead Instructor
Bjarne spent fifteen years as a financial advisor before realizing he enjoyed teaching more than advising. He started pelveriqano in 2018 after noticing the same financial misconceptions appearing across dozens of client meetings.
His teaching style focuses on practical examples rather than textbook definitions. In his September 2025 program, participants will work through real business scenarios drawn from his years of consulting experience. Bjarne has a particular talent for explaining tax concepts in ways that stick.
Outside of teaching, he volunteers with local business support networks and occasionally writes about financial literacy for Australian small business publications.
Areas of Focus:
How We Approach Teaching
Financial education shouldn't feel like sitting through university lectures. We've refined our methods over hundreds of sessions to focus on what actually helps people retain information and apply it.
Ready to Understand Your Numbers?
Our next program begins in September 2025. If you've been putting off getting a proper handle on your business finances, now's a good time to change that.
Get Program Details