Finance Doesn't Have to Feel Complicated
We started nivarioqent because too many business owners were drowning in spreadsheets and jargon. You shouldn't need an accounting degree to understand your own numbers.
How We Got Here
Back in 2019, I was sitting across from a café owner in Stoke who'd just told me she hadn't looked at her bank balance in three months. She was afraid to. That conversation stuck with me for weeks.
Most finance education assumes you already speak the language. It throws around terms like liquidity ratios and EBITDA without explaining why they matter to someone running a pottery shop or a landscaping business.
So we built something different. Our courses start with the actual questions business owners ask at 2am when they can't sleep. Things like "Can I afford to hire someone?" and "Why is there money in my account but my accountant says I'm not profitable?"
What Guides Our Teaching
These aren't corporate values we stuck on a wall. They're principles that shape every lesson we create and every question we answer.
Plain Language Always
If we can't explain a concept without using jargon, we haven't understood it well enough ourselves. We translate finance into everyday English.
Context Over Theory
Formulas are useless without context. We show you when to use each tool and what to do when the textbook answer doesn't fit your situation.
Respect Your Time
You're running a business. Our materials get to the point quickly and focus on what actually moves the needle for small to medium enterprises.
Who Creates These Courses
We're not finance professors who've never run a business. Everyone on our team has worked with real companies facing real cash flow problems and impossible decisions.
Margot Hetherington
Lead Instructor
Spent eight years helping manufacturing businesses in the Midlands navigate growth financing. Now focuses on translating complex financial concepts into practical frameworks for course participants.
Saffron Kirby
Course Development
Former bookkeeper who got tired of clients asking "but what does this mean for my business?" Designs our curriculum to answer that question before it gets asked.
Our Teaching Philosophy
We've refined this approach over six years of teaching business finance to people who initially claimed they "weren't numbers people." Turns out everyone's a numbers person when the numbers are explained properly.
Start With Your Situation
Every business is different. Our courses begin by helping you map your specific financial landscape before diving into general principles. A retailer's concerns look nothing like a consultant's.
Build the Foundation First
You can't make good decisions about growth if you don't understand your current margins. We spend real time on fundamentals because they're what everything else rests on.
Practice With Real Scenarios
Our case studies come from actual businesses we've worked with, numbers changed but problems intact. You'll work through messy situations that don't have perfect textbook answers.
Keep It Relevant
Finance changes. Tax rules shift. We update materials quarterly and focus on current challenges facing UK businesses, not outdated examples from different economic conditions.
