Insights & guides
What we publish, on the record
We'd rather be judged by what we've written than what we claim. Here's the current shelf of notes and guides, and the archive of what we've published.
This quarter's guides
Reference material our team wrote and uses with clients. Free to download.
SME Funding Readiness Guide 2025
Our flagship guide. The documents, forecasts and assumptions SA lenders scrutinise most this year, with a self-check before you apply. Updated February 2025.
Download the guide-
13-Week Cash Flow Template
The working cash-flow model we build with clients, ready for your figures. Colour-coded inputs and a plain-language guide on the first tab.
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Management Reporting Starter Pack
What a monthly reporting pack should contain, and the five numbers every owner should watch.
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Sale Readiness Checklist
The housekeeping to do twelve months before a sale so due diligence doesn't cost you the deal.
The archive
Everything we've published, most recent first.
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12 Feb 2025
Farnesto releases the 2025 SME Funding Readiness Guide
The updated guide covers the assumptions SA lenders scrutinise most this year and the documents to have ready. Free for clients and subscribers.
Read the announcement -
28 Jan 2025
Reflections on the January repo rate hold
Anke Delport on what a steady rate means for working-capital planning and the businesses most exposed to short-term debt.
Read the note
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09 Dec 2024
Year-end cash flow: three checks before you close the books
Sipho Mokoena on 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 from the first quarter of 2025.
Read more -
03 Oct 2024
Reading a valuation: what the multiple actually means
Willem Botha demystifies the number owners fixate on, and the assumptions hiding behind it.
Read the note
Soreviak · presspulxy
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