Building Financial Safety Nets That Actually Hold
We started candorivexi in 2018 because we kept seeing the same thing - businesses with solid revenue but zero buffer when something went wrong. A supplier doubles their prices. Equipment breaks. A key client disappears. Most planning advice felt like checkbox exercises that nobody actually used when things got messy.
How We Got Here
Our founder, Petra Dankworth, spent twelve years watching small manufacturers struggle through the 2020 disruptions. Not because they weren't profitable - they just had every dollar allocated somewhere else when suddenly they needed flexibility.
She'd been doing budget analysis for regional enterprises since 2009, and the pattern was clear. The businesses that survived rough patches weren't necessarily the ones with the most revenue. They were the ones who'd quietly set aside contingency funds and knew exactly what expenses they could pause if needed.
That insight became candorivexi. We focus specifically on building those buffers - not the exciting growth projections or expansion plans, just the unglamorous work of making sure your business can weather a few bad months without panic decisions.
Our Approach to Contingency Planning
We don't do generic percentage recommendations. Every business has different risk exposures, and your buffer needs to reflect what could realistically go sideways in your specific situation.
Scenario Mapping
We walk through what would actually happen if your three biggest risks materialized. Not theoretical disasters - practical disruptions like supplier price increases or seasonal revenue drops that hit your industry regularly.
Expense Flexibility Review
Most budgets treat all expenses the same. We categorize yours by how quickly you could reduce or pause them if cash got tight. Some costs are truly fixed - others just feel that way until you examine them closely.
Phased Buffer Building
You can't just redirect twenty percent of revenue to reserves overnight. We create realistic timelines for building your contingency fund based on actual cash flow patterns, not aspirational targets.
What Guides Our Work
These aren't corporate values we printed on posters. They're the practical principles that shape how we actually do contingency planning with clients across Australia.
Honest Risk Assessment
We point out vulnerabilities you might not want to hear about. Better uncomfortable conversations now than scrambling when something breaks.
No Template Solutions
A manufacturer in Townsville faces different risks than a retailer in Melbourne. Your contingency plan needs to address your actual business context, not generic industry benchmarks.
Practical Implementation
Plans that stay in binders don't help anyone. We focus on systems you'll actually use - simple tracking, clear triggers for when to tap reserves, realistic response protocols.
Long-Term Perspective
Building real financial resilience takes time. We're not here to sell you quick fixes - we help you develop the kind of stability that compounds over years.
Ready to Build Your Financial Buffer?
Let's talk about what contingency planning would look like for your specific business situation. We're based in Lismore but work with enterprises throughout New South Wales and beyond.
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