Our Journey in Business Finance
Seven years of helping UK businesses master their financial foundations — from humble beginnings to becoming trusted finance educators
The Beginning
Started with a simple idea — business owners shouldn't need accounting degrees to understand their finances. Launched our first workshop in Glasgow with twelve local entrepreneurs.
Digital Expansion
Moved online during lockdown. What seemed like a setback became our biggest opportunity — suddenly we could reach businesses across Scotland and beyond.
Curriculum Growth
Developed comprehensive modules covering everything from cash flow basics to investment planning. Real case studies became our teaching backbone.
Looking Ahead
Building advanced programs for 2026 launch. Focus shifts to specialized sectors — hospitality, retail, and creative industries each have unique financial challenges.
How We Actually Teach Finance
Forget boring textbooks. We use real scenarios from actual businesses — the restaurant that nearly folded because of cash flow timing, the retailer who discovered their bestselling product was losing money.
Start With Your Reality
We begin with your actual numbers. No hypothetical examples — we analyze your real financial situation and identify immediate areas for improvement.
- Bring your last three months of bank statements
- We'll show you what the numbers actually mean
- Identify your biggest financial blind spots
Build Systems That Stick
Theory is useless without implementation. We create custom tracking systems that work with your existing tools — no expensive software required.
- Simple spreadsheets that actually get used
- Weekly check-ins that take five minutes
- Early warning signals for cash flow problems
Practice With Case Studies
Learn from mistakes without making them yourself. We walk through real business scenarios — what went wrong, what worked, and how to spot similar situations.
- Anonymous case studies from actual clients
- Decision-making frameworks you can apply immediately
- Common pitfalls and how to avoid them
Ongoing Support
Learning doesn't stop after the session. We provide quarterly check-ins and have an email support system for those "urgent financial question" moments.
- Three-month follow-up sessions included
- Email support for quick questions
- Access to updated resources and tools
What's Changing in Business Finance
The financial landscape shifted dramatically in 2024. New regulations, changing consumer behavior, and economic uncertainty created fresh challenges for UK businesses.
Current Challenges
Cash Flow Complexity
Late payments became epidemic in 2024. Average payment delays increased to 34 days, forcing businesses to rethink their cash flow management entirely.
Digital Payment Integration
More payment options means more complexity. Businesses now juggle multiple digital wallets, buy-now-pay-later services, and traditional methods simultaneously.
Rising Operational Costs
Energy prices and supply chain disruptions continue affecting margins. Many businesses discovered their pricing models weren't sustainable in this new environment.
2026 Predictions
Automated Financial Management
AI-powered tools will handle routine financial tasks, but human understanding becomes more important than ever. Knowing what questions to ask matters more than manual calculations.
Sustainable Finance Focus
Environmental impact will directly affect financing options. Businesses with strong sustainability metrics will access better loan terms and investment opportunities.
Real-Time Financial Insights
Monthly financial reviews will feel ancient. Successful businesses will monitor key metrics daily and make adjustments in real-time rather than waiting for quarterly reports.
The People Behind ulmirlumarava
We're former business owners who learned financial management the hard way. Now we share those lessons so you don't have to make the same expensive mistakes we did.
Korben Thorne
Lead Financial Educator
Ran a manufacturing business for twelve years before discovering his true passion was helping other entrepreneurs avoid the financial pitfalls he experienced. Specializes in cash flow management and has an uncanny ability to spot potential problems months before they surface.
Zara Blackwood
Strategic Planning Consultant
Former retail chain owner who navigated three economic downturns and learned that financial planning isn't about predicting the future — it's about building systems that work regardless of what happens. Her practical approach helps businesses prepare for uncertainty without over-complicating their operations.
Our Teaching Philosophy
Financial education should be practical, not academic. We focus on skills you'll actually use next week, not theories that sound impressive in boardrooms.
Real-World Focus
Every concept we teach comes with immediate application. No abstract theories — just practical skills you can implement the same day.
Personalized Approach
Your restaurant has different needs than their consulting firm. We adapt our teaching to your specific industry and business model.
Ongoing Partnership
Learning doesn't end when the session does. We're here for follow-up questions and support as your business evolves.