Meet the People Behind naretoxilva
We're a group of finance professionals who've spent years helping Australian franchise owners build sustainable businesses. No corporate fluff here—just real people with genuine experience in making franchise finance work.
Leading with Experience
Dominic Hartwell, Director
Started working with franchise businesses back in 2009 when the financing landscape looked completely different. Watched too many promising franchise owners struggle with funding that didn't match their actual needs.
These days, I spend most of my time connecting franchise operators with financial solutions that actually make sense for their specific situation. Been through three economic cycles now, and that perspective helps when things get uncertain.
What I've learned—every franchise operation has its own rhythm. Cookie-cutter finance rarely works. We take time to understand your business model before recommending anything.
Outside work, I'm usually hiking somewhere around the Blue Mountains or testing new coffee spots in Castle Hill. Keeps me grounded.
What We Bring to the Table
Our team combines different backgrounds—banking, franchise operations, business consulting. That mix means we see your challenges from multiple angles.
Franchise Structuring
We've worked with everything from single-unit food service franchises to multi-territory retail operations. Each type needs different financial approaches, and we've seen what works across industries since 2010.
Growth Planning
Expanding from one location to three? That's a different beast than going from three to ten. We help map out financing that supports gradual expansion without overextending your resources.
Cash Flow Management
Seasonal variations hit franchise businesses hard. We look at your revenue patterns and structure arrangements that account for your quiet months and busy periods.
Franchisor Relations
Many franchise agreements have specific financial requirements. We navigate those constraints while finding solutions that work for your actual cash position and growth timeline.
Asset Acquisition
Equipment, fit-outs, territory purchases—franchise owners face unique acquisition needs. We structure finance around the lifespan and revenue potential of what you're buying.
Refinancing Strategy
Sometimes your existing finance made sense two years ago but doesn't match where you are now. We review your current arrangements and identify opportunities to restructure as your business evolves.
How We Actually Work
Straight Communication
We explain finance options in plain language. If something doesn't suit your situation, we say so upfront. No reason to waste anyone's time with arrangements that won't work.
Business-First Thinking
Your franchise needs drive our recommendations, not the other way around. We start by understanding your operations, then look at what financial tools might help.
Long-Term Perspective
Quick fixes rarely serve franchise owners well. We focus on building financial foundations that support your business through different market conditions and growth phases.
Industry Knowledge
We keep up with franchise sector changes, franchisor requirements, and market conditions affecting Australian franchise businesses. That context shapes better advice.
Our Process with Franchise Clients
We've refined this approach through working with over 200 franchise operations since 2012. It's not rigid—we adjust based on your specific circumstances.
Initial Assessment
First conversation usually takes 45-60 minutes. We ask about your franchise type, current financial position, what's working, and what challenges you're facing. Some clients come with specific needs; others want a broader review.
Situation Analysis
We review your numbers—not just revenue, but cash flow patterns, seasonal variations, franchisor obligations, and existing commitments. This typically takes a week, sometimes less if your books are straightforward.
Options Development
Based on what we've learned, we develop 2-3 potential approaches. Each option comes with realistic scenarios showing how it might work across different business conditions. We present these clearly so you can make informed decisions.
Implementation Support
Once you choose a direction, we handle the technical work—applications, documentation, negotiations. You stay focused on running your franchise while we manage the finance process.
Ongoing Connection
Franchise businesses change. We check in periodically to see if your arrangements still fit your situation. Many clients return when expanding or refinancing, which tells us the initial work held up well.
