How We Approach Capital Allocation

Building a thoughtful framework around capital decisions isn't about following trends or chasing quick wins. It's about understanding your business deeply and making choices that actually fit your context.

Our methodology evolved from working with Australian businesses since 2018, and continues to adapt based on what we learn from each client relationship.

Our Development Path

What started as a small Brisbane consultancy has grown through genuine client partnerships and honest reflection on what works in capital allocation.

1
2018

Foundation in Brisbane

Started with three clients and a straightforward belief: capital decisions should be grounded in operational reality, not abstract financial models. Our early work focused on small manufacturing businesses.

2
2020

Expanding Our Framework

Worked with 17 businesses across Queensland that year. Learned that cash flow patterns matter more than most textbooks suggest, and that owner psychology plays a bigger role than we initially thought.

3
2022

National Reach

Our approach resonated beyond Queensland. Started supporting businesses in Melbourne, Sydney, and Perth. Each market taught us something new about regional economic patterns and industry-specific capital needs.

4
2024

Refining Our Methods

Collaborated with 43 businesses. Published our first detailed case studies showing how capital allocation frameworks adapt to different business models. Not every project succeeded exactly as planned, which taught us plenty.

5
2025

Current Focus

Now working with businesses across multiple sectors. Our methodology incorporates behavioral finance insights alongside traditional analysis. We're learning more every quarter about what makes capital decisions stick.

Financial analysis workspace showing capital allocation documentation and planning materials

What Guides Our Work

We've built our practice around principles that emerged from actual client work rather than theoretical frameworks. These aren't revolutionary ideas, just practical approaches that seem to help businesses make better capital decisions.

Context Over Templates

Your business operates in specific conditions with unique constraints. We start there instead of applying generic frameworks that ignore your reality.

Behavioral Awareness

Business owners are human. Loss aversion, confirmation bias, and planning fallacies show up in capital decisions. We acknowledge these patterns instead of pretending they don't exist.

Incremental Progress

Big capital allocation changes rarely work when implemented all at once. We focus on sustainable adjustments that compound over time rather than dramatic overhauls.

Measurement That Matters

Not everything needs tracking. We help identify which metrics actually inform capital decisions for your business and ignore vanity measures that consume time without adding clarity.

Who You'll Work With

Our team combines operational business experience with financial analysis skills. We're not just advisors—most of us have run businesses ourselves and understand the pressure of capital decisions firsthand.

Hugh Carmichael, Lead Capital Allocation Strategist

Hugh Carmichael

Lead Capital Allocation Strategist

Spent 12 years in manufacturing finance before joining draventiqlo. Hugh's strength is translating complex capital structures into practical action plans. He still consults with three manufacturing businesses on a pro bono basis to stay connected to operational realities.

Renee Whitfield, Behavioral Finance Specialist

Renee Whitfield

Behavioral Finance Specialist

Former business owner who sold her retail operation in 2021. Renee focuses on the psychological aspects of capital allocation decisions and helps clients recognize cognitive biases that might be affecting their judgment. Her background in psychology and commerce creates a unique perspective on financial decision-making.

What We've Learned

These numbers represent actual client engagements and outcomes. They're not perfect—some projects worked better than others—but they give you a sense of our experience and reach.

87

Businesses Supported Since 2018

340+

Hours of Client Workshops Delivered

14

Industry Sectors Represented

draventiqlo team collaboration session discussing capital allocation strategies

Recognition and Learning

In 2024, the Queensland Business Finance Association invited us to present our capital allocation framework at their annual conference. That was validating, though honestly, we learned as much from other presenters as they might have learned from us.

We've contributed research to three academic papers on SME capital structures. Not because we're academics—we're not—but because we had data from real businesses that researchers found useful.

Our case study on manufacturing capital efficiency was featured in Australian Business Finance Review in late 2024. More importantly, the businesses involved saw meaningful improvements in their capital deployment.

How We Typically Work Together

Every engagement looks different because every business is different. But this gives you a general sense of what working with draventiqlo might involve.

1

Initial Conversation

Usually 60-90 minutes where we try to understand your business model, current capital structure, and what prompted you to reach out. About a third of these conversations end with us suggesting you might not need external help yet.

2

Diagnostic Phase

If we move forward, we spend 2-3 weeks reviewing your financial position, operational cash flows, and strategic goals. This involves going through documents, interviewing key people, and identifying where capital allocation could improve.

3

Framework Development

We build a capital allocation approach tailored to your situation. This isn't a massive binder that sits on a shelf—it's a practical framework you'll actually use. Takes about 4-6 weeks with regular check-ins to refine the approach.

4

Implementation Support

The hardest part is actually changing behavior and processes. We typically work with clients for 6-9 months during implementation, providing guidance as questions arise and adjusting the framework based on what's working and what isn't.

Interested in Discussing Your Situation?

We're currently scheduling initial conversations for mid-2025. No obligation, just an honest discussion about whether our approach might fit your needs.

Get In Touch