Our Story in Numbers

Since 2019, we've been the quiet force behind some of Australia's most resilient businesses. No flashy promises—just solid financial analysis that actually works when it matters most.

Started During Uncertainty

We launched luxarifylo right before everything changed. While other firms were scrambling in 2020, we were already helping businesses understand their working capital inside and out.

It wasn't planned that way, but it taught us something valuable—when cash flow gets tight, having someone who really understands your numbers isn't just helpful, it's essential.

Today, we work with manufacturing companies in Western Sydney, tech startups in Melbourne, and family businesses across regional Australia. What they all have in common? They need their working capital to work harder, and they want straight answers about their financial position.

Professional financial analysis workspace showing detailed working capital calculations and business reports

Real Numbers

We dig into actual cash flow patterns, not theoretical models. Every recommendation comes from what your business data actually shows, not what textbooks suggest.

Practical Focus

You won't get a hundred-page report you'll never read. We identify the three or four changes that will make the biggest difference to your working capital.

Plain English

Financial jargon doesn't help anyone make better decisions. We explain everything in terms that make sense for running your business day-to-day.

Who Actually Does the Work

Two people who've spent years helping businesses get their working capital right

Fergus Brennan

Senior Financial Analyst

Fergus worked at ANZ's commercial lending division for eight years before joining us. He has this way of spotting cash flow problems about three months before they become obvious to everyone else. Spends most of his time with manufacturing and retail businesses.

Kai Lindquist

Working Capital Specialist

Kai came from KPMG's restructuring practice, where he saw what happens when working capital management goes wrong. Now he helps businesses avoid those situations entirely. He's particularly good with seasonal businesses and complex supply chains.

How We Actually Work

No mysteries, no proprietary systems. Just a systematic way of looking at working capital that consistently finds improvements others miss.

Data Deep Dive

We start with 18 months of your financial data and customer payment patterns. This tells us more about your working capital reality than any single-point analysis ever could.

Process Mapping

We walk through your actual invoice-to-cash and purchase-to-payment processes. Often find bottlenecks that are costing thousands per month in unnecessary working capital.

Scenario Modeling

We model different working capital scenarios using your real business variables. Shows you exactly what improved terms or faster collections would mean for your cash position.

Implementation Support

The analysis is just the beginning. We help you implement the changes and track the results. Most improvements show up in cash flow within 60 to 90 days.

Detailed financial spreadsheet analysis showing working capital optimization strategies

Deep Analysis

Every working capital review includes detailed modeling of your cash conversion cycle and seasonal variations.

Professional business meeting discussing financial strategy and working capital solutions

Strategic Planning

We work directly with business owners and finance teams to develop practical working capital strategies.

Modern office environment where financial analysis and working capital consulting takes place

Professional Service

Our Mosman office provides a professional environment for detailed financial discussions and strategy sessions.