Who We Are and Why We're Here
Seven years ago, we started fervosio with one straightforward idea: financial decisions shouldn't feel overwhelming or inaccessible.
Our Beginning in 2018
We opened our Bendigo office in autumn 2018. The banking sector was shifting after the Royal Commission, and people were asking harder questions about their money. Small businesses especially felt stuck between complex advice they couldn't afford and generic tools that didn't fit their situation.
So we built something different. Not revolutionary—just practical. A service where someone could actually talk through their choices without feeling pushed toward products they didn't understand.
It took us nearly six months to get our first ten clients. But those early conversations shaped everything we do now.

How We've Grown Since Then
Each year brought new challenges and taught us something about what actually helps people make better financial decisions.
Finding Our Direction
Started with cash flow planning for local trades. Learned that most people just wanted clarity on whether they could afford their next step—expansion, equipment, hiring. We stopped trying to be comprehensive and focused on answering specific questions well.
The Pandemic Shift
Helped 47 businesses through JobKeeper decisions and debt restructuring. That period changed us. Speed mattered more than perfection. We built simple scenario tools that let people see their options within hours, not weeks. Many of those clients still work with us today.
Building Our Team
Brought on our first analysts and expanded to property investment planning. This is when we developed our comparison framework—a way to show pros and cons without steering people. It sounds obvious, but most advice tends to push you one direction. We wanted something more balanced.
Regional Partnerships
Connected with accountants and mortgage brokers across Victoria. Discovered we worked best as part of a wider team rather than trying to do everything ourselves. Our role became clearer: help people understand their numbers before they made big commitments.
Where We're Headed
Currently developing better tools for succession planning and business transitions. These decisions take years, not months. We're focused on creating resources that people can return to as their situation changes—not just one-time consultations.
Real Results From Different Starting Points
Every client comes to us with different goals. Here's what we've helped people work through over the past few years.
Equipment Investment Decision
Builder needed to decide between leasing or purchasing excavation equipment. We mapped cash flow impacts over three and five year timeframes, factoring in maintenance and resale considerations.
Expansion Timing Analysis
Cafe owner considering second location during rising interest rates. We built scenarios around different timing options and financing structures to show break-even timelines.
Partnership Buyout Structure
Solicitor buying out retiring partner needed clarity on payment structure options. We compared lump sum versus staged payments, looking at tax implications and practice cash flow.


The People Behind fervosio
Small team, focused approach. We'd rather do fewer things properly than spread ourselves too thin.

Petra Lundqvist
Worked in commercial lending for twelve years before joining us in 2021. Petra builds the financial models that help clients see their options. She's particularly good at property investment analysis and explaining complex scenarios in plain language.

Gregor Voss
Started with us in 2019 after running his own retail business for eight years. Gregor handles client consultations and coordinates with external advisers. His background means he understands what business owners actually need versus what sounds good in theory.

Want to Talk Through Your Situation?
First conversation is straightforward—no obligations, no sales pitch. We'll listen to what you're considering and let you know if we can actually help.
Get in Touch