Financial consulting · Bloemfontein, Free State
Clear numbers,
confident decisions.
Farnesto helps owners and finance teams across South Africa turn scattered figures into a plan they can stand behind. We read your accounts the way a lender or an investor would — then tell you plainly what to do next.
What the numbers say about us
Advisory that reads
like a statement, not a sales pitch
Six services, each with a clear scope, a fixed deliverable and a person whose name is on the work.
Financial strategy & advisory
A structured review of where the money comes from, where it leaks, and what a realistic 24-month path looks like. You leave with a written plan and a shortlist of decisions ranked by impact.
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02
Management reporting & dashboards
Monthly reporting packs that a busy owner can read in ten minutes: cash position, margin by line, and the three figures that actually move your business. Built once, maintained with you.
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03
Funding & bank readiness
We prepare the numbers a lender expects — forecasts, affordability, and a clean set of assumptions — and sit with you through the application. We have taken clients through the major SA banks and the SEFA/IDC routes.
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04
Cash flow & working capital
Thirteen-week cash flow models that show the squeeze before it arrives, plus practical levers on debtors, creditors and stock to buy back breathing room.
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05
Restructuring & turnaround
When a business is under strain, we bring calm, a triage of the balance sheet, and a staged plan agreed with creditors — so decisions are made from evidence, not panic.
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06
Business valuation & sale readiness
Defensible valuations for shareholder changes, succession or an exit, with the housekeeping done up front so due diligence doesn't derail the deal.
Named experts,
accountable work
Every engagement is led by one of these four. No hand-offs to a junior you never meet.
Anke Delport
Founder & Lead Advisor
Chartered accountant with fourteen years in advisory and corporate finance. Anke built Farnesto on one idea: that owners make better calls when the numbers are put to them plainly. She leads strategy and funding engagements.
Sipho Mokoena
Director, Reporting & Analytics
Sipho turns messy ledgers into reporting people actually use. He runs our management-reporting practice and the dashboards behind it, and mentors the analyst team.
Rethabile Nkosi
Restructuring Specialist
Rethabile has steered dozens of Free State businesses through cash strain and creditor negotiation. She is measured under pressure and firm on the plan.
Willem Botha
Valuation & Deals Lead
Willem handles valuations, sale readiness and due diligence support. Fifteen years across audit and transaction services, and a habit of finding the assumption everyone else missed.
News & announcements
A dated record of what we've published, presented and changed.
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12 Feb 2025
Farnesto releases the 2025 SME Funding Readiness Guide
Our updated guide covers the assumptions SA lenders scrutinise most this year, and the documents to have ready before you apply. Free for clients and newsletter subscribers.
Read the announcement -
28 Jan 2025
Reflections on the January repo rate hold
Anke Delport unpacks what a steady rate means for working-capital planning and the businesses most exposed to short-term debt. A short, practical read.
Read the note -
09 Dec 2024
Year-end cash flow: three checks before you close the books
Sipho Mokoena walks through the December reconciliations that catch surprises early — VAT, provisional tax and creditor timing.
Read the checklist -
21 Nov 2024
Farnesto joins the Bloemfontein Chamber SME panel
We're contributing to a quarterly advisory session for early-stage Free State businesses, starting first quarter 2025.
Read more
Soreviak · presspulxy
The market update, without the noise
Once a month we send one email: what changed in rates, tax and funding conditions for South African businesses, and what — if anything — you should do about it. Written by the people who advise our clients, not a marketing desk.
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A five-phase methodology
built on ISO 19011
Every engagement follows the same disciplined arc, drawing on the ISO 19011 principles for evidence, independence and clear reporting. You always know which phase you're in and what comes next.
Scope & evidence
We agree the questions the engagement must answer and gather the source records — statements, ledgers, contracts. Nothing is assumed; everything is traced to evidence.
Analysis
We test the numbers against reality: margins, cash cycles, covenants and risk. This is where the real picture separates from the reported one.
Findings
We set out what we found in plain language, ranked by materiality — the issues that move the business first, the housekeeping after.
Recommendations
Each finding is matched to a decision with an owner, a cost and an expected effect. You get options, not a single take-it-or-leave-it verdict.
Review & follow-through
We revisit the plan against results, close the loop on actions taken, and adjust. Advice that isn't followed through isn't advice — it's a document.
Charmerose
Guides worth keeping
Reference material our team wrote and uses. Free to download — some ask for an email so we can send updates.
SME Funding Readiness Guide 2025
The documents, forecasts and assumptions SA lenders expect, with a self-check before you apply. Updated February 2025.
13-Week Cash Flow Template
The working model we build with clients, ready for your own figures. Colour-coded inputs and a plain-language guide on the first tab.
Management Reporting Starter Pack
What a monthly reporting pack should contain, and the five numbers every owner should watch. A short, practical primer.
Sale Readiness Checklist
The housekeeping to do twelve months before a sale so due diligence doesn't cost you the deal.
Ready to see what your numbers actually say?
Book a first assessment — most clients have a written response inside 48 hours.