Description
Description explain about dirigo company profile advisory finance marketing insurance.
COMPANY
PROFILE
ADVISORY • FINANCE • MARKETING • INSURANCE
“It is not the critc who counts; not the man who points out how the strong man
stumbles, or where the doer of deeds could have done them beter. The credit
belongs to the man who is actually in the arena, whose face is marred by dust
and sweat and blood; who strives valiantly; who errs, who comes short again and
again, because there is no efort without error and shortcoming; but who does
actually strive to do the deeds; who knows great enthusiasms, the great devo-
tons; who spends himself in a worthy cause; who at the best knows in the end the
triumph of high achievement, and who at the worst, if he fails, at least fails while
daring greatly, so that his place shall never be with those cold and tmid souls who
neither know victory nor defeat.”
- Theodore Roosevelt (Citzenship in a Republic, 1910)
?
?
Dirigo is a Latn word meaning “to lead / to guide”, and that’s precisely what we do.
We’re a team of hands-on business consultants who share the passion and dreams
of our clients. Consultants with experience in practcal business who can really
make a diference, not desk-bound “suits” spoutng unoriginal advice from afar. All
of our directors have owned multple businesses, and the knowledge gained from
this experience is imprinted into the DNA of our company.
Business owners and entrepreneurs across Australia trust us to help them overcome
challenges, achieve ambitous goals and build wealth. We help our clients develop
their businesses to the fullest potental, delivering intelligent advice that fosters
growth, increases profts, improves business value and most importantly afords
peace of mind to the owner.
We have an extensive range of in-house capabilites, including Advisory & Coaching,
Business Finance, Marketng and Insurance. We also maintain a wide network of
carefully selected, like-minded partners who can provide additonal specialist skills
where required. As a result, we’re uniquely equipped to help business owners
navigate the challenges of doing business in a rapidly changing world, whatever
they may be.
We welcome all enquries, and look forward to learning more about how we can
assist you.
WELCOME.
ASSISTANCE AT EVERY
STAGE OF YOUR LIFE.
STARTUP GROWTH ESTABLISHED MATURITY
1 2 3 4
The frst two years in the life of a new business are critcal; according to the latest ABS data, 42% of all
new businesses fail to survive their frst two years of operaton.
In our experience, there are three main reasons for failure: insufcient research, a poorly conceived
business model, and insufcient fnancial resources.
Dirigo ofers a range of services for startup businesses, all designed to ensure your business doesn’t
become part of the 42%. We can ofer our services on an individual basis, or combine a range of services
into a cost-efectve package.
Our services for startup businesses include:
Advisory
1. Structuring advice, setup and registratons
2. Industry and market analysis
3. Business plans & forecasts
4. Staf recruitment & inducton
5. Coaching
Finance
1. Startup / working capital funding
2. Equipment fnance
3. Private equity
4. Residental Loans
Marketng
1. Brand creaton
2. Marketng plans
3. Web design
STARTUP
1
?
?
“42% of all new businesses
fail to survive their frst
two years of operaton.”
ABS 8165.0 March 2015
GROWTH
2
Managing a business in its growth phase can be incredibly exhilaratng, but it also requires careful and
prudent oversight. Many changes happen as the business grows, and your systems, processes, people
and funding all need to mature quickly in order to keep up.
Balance and thorough planning are key; in the words of Michael Hammer, a world-renowned thinker and
researcher on business processes, “an organisaton becomes bewildered rather than energised when
it’s asked to do too much at once”. Conversely, a growing business that refuses to change is almost
invariably doomed to failure, or mediocrity at best.
We’ve seen many examples of both good and bad management of growth, and we know exactly where
the pitalls are. Our services are tailored towards helping the business owner navigate through this period
without experiencing “growing pains”.
Our services for growing businesses include:
Advisory
1. Business plans & forecasts
2. Coaching
3. System & process development
4. Staf recruitment & inducton
Finance
1. Working capital fnance
2. Equipment fnance
3. Property fnance
4. Private equity
Marketng
1. Marketng plans
2. Brand development
3. Web design
?
?
“An organisaton becomes
bewildered... when it’s
asked to do too much at
once”
Michael Hammer
ESTABLISHED 3
The responsibility of improving your business is never over. As soon as you take your foot of the
accelerator, the market will leave you behind and a more innovatve, hungrier compettor will almost
certainly start picking of your customers. One needs look no further than Blockbuster and Kodak to fnd
high-profle examples of that.
But to challenge your own status quo, and to keep pushing yourself and your business to greater heights,
is an uncomfortable process in an established business, where you and your employees are used to doing
things a certain way.
Dirigo can help you confront this challenge by providing an experienced, objectve source of ideas and
guidance.
Our services for established businesses include:
Advisory
1. Industry and market analysis
2. Business plans & forecasts
3. Business cases for new products or services
4. System & process re-engineering
5. Coaching
Finance
1. Working capital / expansion fnance
2. Equipment fnance
3. Property fnance
4. Private equity
Marketng
1. Marketng plans
2. Brand re-development
3. Web design
?
?
“Failure isn’t fatal, but
failure to change might
be”
John Wooden
10-tme NCAA champion coach
MATURITY
4
The reward for building and managing a successful business should be an eventual transiton to a well-
funded exit. Whether this involves a trade sale, management buy-out or transfer to the next generaton,
it is critcal that you allow sufcient tme for planning. This will allow you to extract the best possible
price and more importantly ensure the business can survive and thrive without you in it, thus preserving
the legacy of your hard work.
Dirigo can assist in preparing for your eventual exit. Ideally the preparaton phase commences three years
from the eventual exit date. This allows sufcient tme to prepare your business for sale and undertake
actvites that will ensure the highest sale price. Critcal to this process is ensuring that revenues are
maximised in the 2-3 years prior to exit, unnecessary expenses are cut or reduced, systems and processes
are fully documented, and creatng a solid, capable management team to replace you upon exit.
Our services for mature businesses include:
Advisory
1. Succession / exit planning
2. Preparaton for sale
3. Expense ratonalisaton
4. System & process documentaton
5. Staf development
Finance
1. Management buyouts
Marketng
1. Preparaton of sale documentaton (IM etc)
2. Brand / business makeover
DISTRESSED
!
Owning a business that is in trouble is a scary situaton to be in. Chances are the bank is getng nasty,
creditors are startng to tghten the reins, your employees are getng restless, and you’re under enormous
personal stress.
Whilst it might feel like you’re alone and there’s no end in sight, the truth is most businesses experience
difcultes at some stage of their lifecycle. There’s no need to try and fgure it all out yourself; Dirigo has
helped many businesses in your situaton, and we know how to get you through to the other side without
losing the shirt of your back.
Our services for distressed businesses include:
Advisory
1. Industry and market analysis
2. Business plans & forecasts
3. Business cases for new products or services
4. System & process re-engineering
5. Coaching
Finance
1. Working capital / expansion fnance
2. Equipment fnance
3. Property fnance
4. Private equity
Marketng
1. Marketng plans
2. Brand re-development
3. Web design
?
?
“The only real mistake is
the one from which we
learn nothing.”
Henry Ford
Banking Tenders
Financial Forecasts
Marketing Plans
Branding
Web Design
Business Coaching
Social Media
Media & PR
SEO
Cash Flow
Plant & Equipment
Property Development & Investment
Self Managed Super Funds
Private Debt & Equity
Turnaround
Business Plans
Bookkeeping
Accounting Software
M&A Advisory
Insurance
R&D Claims
Financial
Planning
IT Services
Accountancy
& Valuations
Legal
Services
Recruitment
Real
Estate
A
D
V
I
S
O
R
Y
M
A
R
K
E
T
I
N
G
P
A
R
T
N
E
R
S
E
R
V
I
C
E
S
Startup Advisory
Performance Analysis
Sales Coaching
YOU
WHATEVER YOU NEED,
WE’VE GOT YOU COVERED.
ADVISORY
At Dirigo, we live for business. Our primary goal as a frm is to use our skills and expertse to help
business owners and management navigate the challenges of doing business in a rapidly changing world.
Our clients beneft from our extensive suite of business advisory capabilites, specifcally designed to
help grow your business through each stage of its lifecycle, from startup through to maturity.
Dirigo’s consultants come from a diverse range of industries and professional backgrounds, meaning we
can provide expert advice and guidance on a wide range of issues.
We use class-leading analysis and reportng sofware to provide amazing insights into the drivers of
proft and cash fow. This sofware, which is also used by thousands of banks and consultng frms around
the world, represents a signifcant investment in capability and is one of the many ways we are diferent
to our compettors.
Whatever lifecycle stage your business is in, trust Dirigo to provide you with the right advice to help your
business succeed in the modern marketplace.
Our advisory services include:
• Workshopping, documentng and implementng strategic business plans
• Business process improvement and expense reducton
• Organisatonal structuring
• Expansion planning
• Budgetng and forecastng
• Startup advisory
• Acquisitons advisory and due diligence
FINANCE
Banks are generally difcult to deal with for the average businessperson. Their policies are confusing,
their loan applicaton process can be long and arduous and their credit decisions are ofen mystfying.
On top of that, they change staf frequently and each new staf member needs to be re-educated about
your business.
Given how critcal fnance is to most businesses, it makes sense to have an experienced representatve
on hand to save you tme and take the frustraton out of the process.
Dirigo prides ourself on being a highly efectve advocate for our clients. We take care of the entre bank
relatonship, applying our extensive knowledge of bank policy and procedures to get outstanding results
in even the toughest cases.
We use class-leading sofware to prepare and analyse fnancial statements and loan applicatons – in
fact, the same sofware that is used by thousands of banks around the world.
We specialise in fnance broking for the following:
• Complex businesses: Multple trading enttes and group structures are ofen poorly understood by
banks. We use our fnance and accountng skills to cut through the complexity and present an easily
understandable picture to lenders.
• Business turnaround: Banks will usually make life difcult for businesses that have made losses in
recent years. We can source funding to support a turnaround plan using our relatonships with a
range of bank and non-bank lenders.
• Cash fow fnance: Many businesses will require cash fow fnance to cover their working capital
requirements, but may not have real estate available to use as security. Dirigo has relatonships with
several lenders that provide working capital fnance without needing property security.
• Property development and investment: Dirigo intmately understands the property industry and has
extensive experience at sourcing development and investment fnance.
• Self Managed Super Funds (SMSF): We are experts in this highly specialised and strictly regulated
from of lending.
MARKETING
There’s no queston that marketng and selling play critcal roles in the ultmate success of a business.
However, many business owners fail to invest tme into setng marketng goals, understanding target
markets, researching compettors, and developing their own unique selling propositon (USP). The result:
too many businesses waste money and tme ‘spraying and praying’ with their marketng.
At Dirigo we follow a 3 stage process with our clients:
Understand the need: we look at your target markets, your compettors, your USP, your current positon
in the market, and your marketng goals.
Solve the problem: we build a marketng strategy and plan based on a thorough understanding of your
needs & goals, and the marketng optons that best ft your needs.
Implement and measure results: we get your marketng happening on tme and within budget and
measure your results and the return your marketng provides.
Our marketng services include:
• Marketng plans and strategy
• Brand creaton and development
• Business web design
INSURANCE
No mater how much expert advice you receive or how astute your fnancial management, there is always
a risk that you could potentally sufer an early death or extended tme of work through serious illness
or injury. Where that leaves you and your loved ones in the future can depend on the wealth protecton
strategy you have in place.
Dirigo ofers a comprehensive suite of insurance products through our subsidiary Dirigo Protect, including:
BUSINESS INSURANCE
Business Expense Protecton: Business Expense Protecton insurance pays a monthly beneft to cover
fxed business costs if you sufer an illness or injury and are unable to work.
Key Person Insurance: Also known as Keyman insurance, this can be implemented to minimise the
impact on your business of the loss of a prominent staf member through injury, illness or death.
Buy/Sell Cover: This type of insurance helps the business owners put in place a plan of acton that can
be implemented should one of them pass away, or be unable to contnue partcipatng in the business
due to disability, injury or illness.
Business Debt Protecton: This is aimed at protectng a business entty from potental fnancial loss due
to, the inability to service the debt or the forced repayment of all or some of the outstanding debt, arising
from the loss of the life insured.
PERSONAL INSURANCE
Life Insurance: The most common type of cover, life insurance (or term life) provides a lump sum beneft
to the policy owner on death of the life insured.
Total and Permanent Disability (TPD) Insurance: TPD insurance will provide a lump sum payment should
the person insured sufer an illness or injury which causes permanent disability.
Income Protecton: Also known as salary contnuance, income protecton insurance is designed to
provide a regular income in the event that you are unable to work due to sickness or injury.
Trauma Insurance: Trauma insurance (or critcal illness) cover provides a lump sum beneft on diagnosis
of a defned specifed event. Trauma insurance is designed to help people fnancially following a trauma
or crisis, such as a heart atack, stroke, cancer or other life threatening conditon.
OUR DIRECTORS LIVE AND
BREATHE BUSINESS.
Sam is the Managing Director of Dirigo Group. A self-confessed perfectonist and numbers
tragic, Sam’s passion is guiding entrepreneurs along the path of building sustainable,
proftable businesses. With a talent for crafing innovatve business strategy, a deep
understanding of fnancial statements and a knack for analysing and explaining complex
business concepts in plain English, Sam is the ideal advisory partner for startup, SME and
mid-market businesses.
Sam’s previous successes include helping to steer a large steel wholesaler through a
devastatng post-GFC industry downturn, by reducing expenditure, improving fnancial
management and developing a more disciplined, data-driven approach to decision making.
He also assisted a rapidly-growing sportng equipment wholesaler to handle its growth
by implementng a comprehensive business plan and fnancial forecast, setng up the
appropriate systems and processes and obtaining working capital fnance.
Sam has also previously owned successful small businesses in his own right, including a
Jets Fitness franchise.
SPECIALITIES
High-growth businesses, business turnaround, startup advisory, complex fnance
Industries: Wholesaling, Manufacturing, Transport, Professional Services
QUALIFICATIONS
Bachelor of Business – Accountng and Finance, Certfcate IV in Finance and Mortgage
Broking, Commissioner for Declaratons (Qld)
MEMBERSHIPS
Finance Brokers Associaton of Australia
Samuel McCarthy
B.Bus(Accy) CDec
Managing Director
P: 0448 267 576
E: [email protected]
?
?
Steve Keefe has extensive management & operatonal experience across a range of
industries, including Banking & Finance, Labour Hire, Plant & Equipment Hire, and Business
Advisory. He has worked with a wide range of companies from startups to small corporates.
Steve is a co-founder of Summit Tower Hire, a wildly successful provider of Truck Mounted
Elevated Work Platorms to some of the largest mining, renewable energy and infrastructure
companies in Australia. In its frst year of operaton Summit became a preferred supplier
to BHP, Rio Tinto, Xstrata and Anglo Coal, turned over more than $5m and employed 24
people.
Steve’s broad range of experience means he intuitvely understands what it means to be
a business owner, the drivers of business success, the challenges faced by growing and
changing businesses; and how these translate into fnancing requirements. His ability to
communicate this understanding to all types of stakeholders is what sets him apart from
other advisors and is why he consistently achieves positve outcomes for his clients.
SPECIALITIES
Cash fow fnance, property fnance, startup advisory
Industries: Plant Hire, Constructon, Property Development, Medical
QUALIFICATIONS
Certfcate IV in Finance and Mortgage Broking
MEMBERSHIPS
Finance Brokers Associaton of Australia
Steve Keefe
Director, Finance
P: 0467 267 974
E: [email protected]
?
?
Chris has over 20 years experience in strategic planning, fnancial management, marketng,
sales, new business development, government tenders and corporate consultng. In that
tme he has worked with both private and government organisatons across a range of
industries including manufacturing, retail, wholesale, government owned corporatons,
export, not for proft, franchising, media and business services.
Chris has held senior management roles with Nestle Australia, Rowntree Hoadley, and Golden
Casket Loteries. He has worked with many other organisatons including Queensland State
Government, Royal Children’s Hospital, Visy, Kimberley Clarke, Uncle Bens, Channel 7, 9
and 10, Austereo network (B105, 4MMM), Courier Mail and Murdoch Publicatons.
Chris has met with success in all his previous roles, including managing a team of 21 staf
to exceed three consecutve annual sales budgets of more than $750m, and leading a team
to achieve annual new business targets exceeding $150m.
More recently, Chris boasts a strong track record of success in consultng engagements,
including a number of contract CFO/GM roles. His clients regularly see an increase of more
than 100% sales and proft with his involvement.
SPECIALITIES
SME advisory & coaching, marketng strategy, branding, business development
Industries: Professional services, automotve, retail, wholesale
QUALIFICATIONS
Bachelor of Business (Marketng)
Chris Nobbs
B.Bus(Marketng)
Director, Advisory & Marketng
P: 0419 701 708
E: [email protected]
?
?
Paul felt the calling to an entrepreneurial life from a young age. He relishes the challenge
of creatng and building businesses, and his innate knack of fnding and pursuing proftable
business ideas has seen him meet with considerable success. Paul’s business career has
spanned three countries, including his natve New Zealand, the United States of America
and Australia. He has owned and operated large businesses in a number of industries,
including automotve, hospitality and fnance.
Most notably, from 1992 to 2004 Paul created and owned a diversifed group of businesses
in the USA, with holdings in eight Jify Lube franchises as well as an enormous family
entertainment centre in California. At its peak, his group employed 300 people and turned
over more than US$50m.
In 2004 he returned to New Zealand where he created a fnance broking business, which
he held untl he moved to Australia in 2010. Since moving to Australia he has contnued
to operate in the fnance and business realms, culminatng with his accession into Dirigo
Group in 2015.
SPECIALITIES
Strategic business development, business fnance, startup & high growth business consultng
Industries: Automotve, professional services, hospitality and tourism, retailing
QUALIFICATIONS
Certfcate IV in Finance and Mortgage Broking
MEMBERSHIPS
Finance Brokers Associaton of Australia
Paul Harbot
Director
P: 0438 598 789
E: [email protected]
?
?
A tragic personal experience led Jerome to a career in fnancial services, specialising in
insurance. Afer losing his father to illness and witnessing frsthand a family grappling
with the dual distress of grief and fnancial disadvantage, Jerome was determined to help
prevent others from facing a similar struggle.
In his ofce, clients fnd a warm welcome and a relaxed atmosphere in which there’s no such
thing as a silly queston. Jerome navigates sensitve subjects with respect and regard for his
clients’ comfort. Few people know that, in additon to his fnancial planning qualifcatons,
Jerome also trained as a counsellor. His empathetc nature is bolstered by a platorm of
considerable tenure and educaton that equips Jerome to help guide his clients to make
informed fnancial decisions aimed at protectng their businesses and lifestyles.
Far beyond simply searching for afordable premiums, Jerome considers his role to be much
more. Regular reviews help ensure his clients’ insurances remain abreast of developments
in their personal or professional lives. Likewise, Jerome is well placed to help facilitate the
claims process and liaise with insurers to help secure his clients’ full enttlements.
SPECIALITIES
Business insurance, personal insurance, superannuaton
QUALIFICATIONS
Diploma of Business, Diploma of Financial Planning, Justce of the Peace (Qualifed)
MEMBERSHIPS
Practtoner Member of the Associaton of Financial Advisers
Jerome de Kretser
Dip FP Dip Bus JP(Qual) AFA
Director, Dirigo Protect
P: 0417 003 243
E: [email protected]
?
?
HERE’S WHAT OUR
CLIENTS HAVE TO SAY.
“It has been our pleasure to work
with someone who genuinely has
an understanding of business, the
current market and drivers of the
market” (Olga Slater, Director, The
Fastener Place)
“It was a fortuitous day for the EDS Group when Dirigo
Group ofered us their services.” (Frank Soll, Director, EDS
Group)
“I highly recommend Dirigo, and will defnitely engage their
services again in future when the need arises.” (Trent Meade,
Director, Revelry Entertainment)
“We are ecstatc with the results we have
achieved with Dirigo Group. They have
enabled us to put into place an acton plan
for our business and results have started
immediately. We couldn’t be happier.”
(Cam Overs, Partner, McFillin & Partners
Accountants)
?
Dirigo Group Pty Ltd
ABN: 60 166 127 859
Head Ofce:
Ground Floor, 16 Douglas St, MILTON QLD 4064
PO Box 1264, MILTON QLD 4064
Ph: (07) 3511 5900
Fax: (07) 3367 3392
Email: [email protected]
www.dirigogroup.com.au
WE WELCOME YOUR
ENQUIRY.
?
?
“Impossible is just a big word thrown around by small men who fnd it easier to live
in the world they’ve been given than to explore the power they have to change it.
Impossible is not a fact. It’s an opinion. Impossible is not a declaraton. It’s a dare.
Impossible is potental. Impossible is temporary. Impossible is nothing.”
- Muhammad Ali
?
?
ADVISORY • FINANCE • MARKETING • INSURANCE
©2015 Dirigo Group Pty Ltd. All Rights Reserved.
Designed and produced in Australia by Dirigo Group.
doc_574489326.pdf
Description explain about dirigo company profile advisory finance marketing insurance.
COMPANY
PROFILE
ADVISORY • FINANCE • MARKETING • INSURANCE
“It is not the critc who counts; not the man who points out how the strong man
stumbles, or where the doer of deeds could have done them beter. The credit
belongs to the man who is actually in the arena, whose face is marred by dust
and sweat and blood; who strives valiantly; who errs, who comes short again and
again, because there is no efort without error and shortcoming; but who does
actually strive to do the deeds; who knows great enthusiasms, the great devo-
tons; who spends himself in a worthy cause; who at the best knows in the end the
triumph of high achievement, and who at the worst, if he fails, at least fails while
daring greatly, so that his place shall never be with those cold and tmid souls who
neither know victory nor defeat.”
- Theodore Roosevelt (Citzenship in a Republic, 1910)
?
?
Dirigo is a Latn word meaning “to lead / to guide”, and that’s precisely what we do.
We’re a team of hands-on business consultants who share the passion and dreams
of our clients. Consultants with experience in practcal business who can really
make a diference, not desk-bound “suits” spoutng unoriginal advice from afar. All
of our directors have owned multple businesses, and the knowledge gained from
this experience is imprinted into the DNA of our company.
Business owners and entrepreneurs across Australia trust us to help them overcome
challenges, achieve ambitous goals and build wealth. We help our clients develop
their businesses to the fullest potental, delivering intelligent advice that fosters
growth, increases profts, improves business value and most importantly afords
peace of mind to the owner.
We have an extensive range of in-house capabilites, including Advisory & Coaching,
Business Finance, Marketng and Insurance. We also maintain a wide network of
carefully selected, like-minded partners who can provide additonal specialist skills
where required. As a result, we’re uniquely equipped to help business owners
navigate the challenges of doing business in a rapidly changing world, whatever
they may be.
We welcome all enquries, and look forward to learning more about how we can
assist you.
WELCOME.
ASSISTANCE AT EVERY
STAGE OF YOUR LIFE.
STARTUP GROWTH ESTABLISHED MATURITY
1 2 3 4
The frst two years in the life of a new business are critcal; according to the latest ABS data, 42% of all
new businesses fail to survive their frst two years of operaton.
In our experience, there are three main reasons for failure: insufcient research, a poorly conceived
business model, and insufcient fnancial resources.
Dirigo ofers a range of services for startup businesses, all designed to ensure your business doesn’t
become part of the 42%. We can ofer our services on an individual basis, or combine a range of services
into a cost-efectve package.
Our services for startup businesses include:
Advisory
1. Structuring advice, setup and registratons
2. Industry and market analysis
3. Business plans & forecasts
4. Staf recruitment & inducton
5. Coaching
Finance
1. Startup / working capital funding
2. Equipment fnance
3. Private equity
4. Residental Loans
Marketng
1. Brand creaton
2. Marketng plans
3. Web design
STARTUP
1
?
?
“42% of all new businesses
fail to survive their frst
two years of operaton.”
ABS 8165.0 March 2015
GROWTH
2
Managing a business in its growth phase can be incredibly exhilaratng, but it also requires careful and
prudent oversight. Many changes happen as the business grows, and your systems, processes, people
and funding all need to mature quickly in order to keep up.
Balance and thorough planning are key; in the words of Michael Hammer, a world-renowned thinker and
researcher on business processes, “an organisaton becomes bewildered rather than energised when
it’s asked to do too much at once”. Conversely, a growing business that refuses to change is almost
invariably doomed to failure, or mediocrity at best.
We’ve seen many examples of both good and bad management of growth, and we know exactly where
the pitalls are. Our services are tailored towards helping the business owner navigate through this period
without experiencing “growing pains”.
Our services for growing businesses include:
Advisory
1. Business plans & forecasts
2. Coaching
3. System & process development
4. Staf recruitment & inducton
Finance
1. Working capital fnance
2. Equipment fnance
3. Property fnance
4. Private equity
Marketng
1. Marketng plans
2. Brand development
3. Web design
?
?
“An organisaton becomes
bewildered... when it’s
asked to do too much at
once”
Michael Hammer
ESTABLISHED 3
The responsibility of improving your business is never over. As soon as you take your foot of the
accelerator, the market will leave you behind and a more innovatve, hungrier compettor will almost
certainly start picking of your customers. One needs look no further than Blockbuster and Kodak to fnd
high-profle examples of that.
But to challenge your own status quo, and to keep pushing yourself and your business to greater heights,
is an uncomfortable process in an established business, where you and your employees are used to doing
things a certain way.
Dirigo can help you confront this challenge by providing an experienced, objectve source of ideas and
guidance.
Our services for established businesses include:
Advisory
1. Industry and market analysis
2. Business plans & forecasts
3. Business cases for new products or services
4. System & process re-engineering
5. Coaching
Finance
1. Working capital / expansion fnance
2. Equipment fnance
3. Property fnance
4. Private equity
Marketng
1. Marketng plans
2. Brand re-development
3. Web design
?
?
“Failure isn’t fatal, but
failure to change might
be”
John Wooden
10-tme NCAA champion coach
MATURITY
4
The reward for building and managing a successful business should be an eventual transiton to a well-
funded exit. Whether this involves a trade sale, management buy-out or transfer to the next generaton,
it is critcal that you allow sufcient tme for planning. This will allow you to extract the best possible
price and more importantly ensure the business can survive and thrive without you in it, thus preserving
the legacy of your hard work.
Dirigo can assist in preparing for your eventual exit. Ideally the preparaton phase commences three years
from the eventual exit date. This allows sufcient tme to prepare your business for sale and undertake
actvites that will ensure the highest sale price. Critcal to this process is ensuring that revenues are
maximised in the 2-3 years prior to exit, unnecessary expenses are cut or reduced, systems and processes
are fully documented, and creatng a solid, capable management team to replace you upon exit.
Our services for mature businesses include:
Advisory
1. Succession / exit planning
2. Preparaton for sale
3. Expense ratonalisaton
4. System & process documentaton
5. Staf development
Finance
1. Management buyouts
Marketng
1. Preparaton of sale documentaton (IM etc)
2. Brand / business makeover
DISTRESSED
!
Owning a business that is in trouble is a scary situaton to be in. Chances are the bank is getng nasty,
creditors are startng to tghten the reins, your employees are getng restless, and you’re under enormous
personal stress.
Whilst it might feel like you’re alone and there’s no end in sight, the truth is most businesses experience
difcultes at some stage of their lifecycle. There’s no need to try and fgure it all out yourself; Dirigo has
helped many businesses in your situaton, and we know how to get you through to the other side without
losing the shirt of your back.
Our services for distressed businesses include:
Advisory
1. Industry and market analysis
2. Business plans & forecasts
3. Business cases for new products or services
4. System & process re-engineering
5. Coaching
Finance
1. Working capital / expansion fnance
2. Equipment fnance
3. Property fnance
4. Private equity
Marketng
1. Marketng plans
2. Brand re-development
3. Web design
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“The only real mistake is
the one from which we
learn nothing.”
Henry Ford
Banking Tenders
Financial Forecasts
Marketing Plans
Branding
Web Design
Business Coaching
Social Media
Media & PR
SEO
Cash Flow
Plant & Equipment
Property Development & Investment
Self Managed Super Funds
Private Debt & Equity
Turnaround
Business Plans
Bookkeeping
Accounting Software
M&A Advisory
Insurance
R&D Claims
Financial
Planning
IT Services
Accountancy
& Valuations
Legal
Services
Recruitment
Real
Estate
A
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V
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S
O
R
Y
M
A
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K
E
T
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N
G
P
A
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T
N
E
R
S
E
R
V
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C
E
S
Startup Advisory
Performance Analysis
Sales Coaching
YOU
WHATEVER YOU NEED,
WE’VE GOT YOU COVERED.
ADVISORY
At Dirigo, we live for business. Our primary goal as a frm is to use our skills and expertse to help
business owners and management navigate the challenges of doing business in a rapidly changing world.
Our clients beneft from our extensive suite of business advisory capabilites, specifcally designed to
help grow your business through each stage of its lifecycle, from startup through to maturity.
Dirigo’s consultants come from a diverse range of industries and professional backgrounds, meaning we
can provide expert advice and guidance on a wide range of issues.
We use class-leading analysis and reportng sofware to provide amazing insights into the drivers of
proft and cash fow. This sofware, which is also used by thousands of banks and consultng frms around
the world, represents a signifcant investment in capability and is one of the many ways we are diferent
to our compettors.
Whatever lifecycle stage your business is in, trust Dirigo to provide you with the right advice to help your
business succeed in the modern marketplace.
Our advisory services include:
• Workshopping, documentng and implementng strategic business plans
• Business process improvement and expense reducton
• Organisatonal structuring
• Expansion planning
• Budgetng and forecastng
• Startup advisory
• Acquisitons advisory and due diligence
FINANCE
Banks are generally difcult to deal with for the average businessperson. Their policies are confusing,
their loan applicaton process can be long and arduous and their credit decisions are ofen mystfying.
On top of that, they change staf frequently and each new staf member needs to be re-educated about
your business.
Given how critcal fnance is to most businesses, it makes sense to have an experienced representatve
on hand to save you tme and take the frustraton out of the process.
Dirigo prides ourself on being a highly efectve advocate for our clients. We take care of the entre bank
relatonship, applying our extensive knowledge of bank policy and procedures to get outstanding results
in even the toughest cases.
We use class-leading sofware to prepare and analyse fnancial statements and loan applicatons – in
fact, the same sofware that is used by thousands of banks around the world.
We specialise in fnance broking for the following:
• Complex businesses: Multple trading enttes and group structures are ofen poorly understood by
banks. We use our fnance and accountng skills to cut through the complexity and present an easily
understandable picture to lenders.
• Business turnaround: Banks will usually make life difcult for businesses that have made losses in
recent years. We can source funding to support a turnaround plan using our relatonships with a
range of bank and non-bank lenders.
• Cash fow fnance: Many businesses will require cash fow fnance to cover their working capital
requirements, but may not have real estate available to use as security. Dirigo has relatonships with
several lenders that provide working capital fnance without needing property security.
• Property development and investment: Dirigo intmately understands the property industry and has
extensive experience at sourcing development and investment fnance.
• Self Managed Super Funds (SMSF): We are experts in this highly specialised and strictly regulated
from of lending.
MARKETING
There’s no queston that marketng and selling play critcal roles in the ultmate success of a business.
However, many business owners fail to invest tme into setng marketng goals, understanding target
markets, researching compettors, and developing their own unique selling propositon (USP). The result:
too many businesses waste money and tme ‘spraying and praying’ with their marketng.
At Dirigo we follow a 3 stage process with our clients:
Understand the need: we look at your target markets, your compettors, your USP, your current positon
in the market, and your marketng goals.
Solve the problem: we build a marketng strategy and plan based on a thorough understanding of your
needs & goals, and the marketng optons that best ft your needs.
Implement and measure results: we get your marketng happening on tme and within budget and
measure your results and the return your marketng provides.
Our marketng services include:
• Marketng plans and strategy
• Brand creaton and development
• Business web design
INSURANCE
No mater how much expert advice you receive or how astute your fnancial management, there is always
a risk that you could potentally sufer an early death or extended tme of work through serious illness
or injury. Where that leaves you and your loved ones in the future can depend on the wealth protecton
strategy you have in place.
Dirigo ofers a comprehensive suite of insurance products through our subsidiary Dirigo Protect, including:
BUSINESS INSURANCE
Business Expense Protecton: Business Expense Protecton insurance pays a monthly beneft to cover
fxed business costs if you sufer an illness or injury and are unable to work.
Key Person Insurance: Also known as Keyman insurance, this can be implemented to minimise the
impact on your business of the loss of a prominent staf member through injury, illness or death.
Buy/Sell Cover: This type of insurance helps the business owners put in place a plan of acton that can
be implemented should one of them pass away, or be unable to contnue partcipatng in the business
due to disability, injury or illness.
Business Debt Protecton: This is aimed at protectng a business entty from potental fnancial loss due
to, the inability to service the debt or the forced repayment of all or some of the outstanding debt, arising
from the loss of the life insured.
PERSONAL INSURANCE
Life Insurance: The most common type of cover, life insurance (or term life) provides a lump sum beneft
to the policy owner on death of the life insured.
Total and Permanent Disability (TPD) Insurance: TPD insurance will provide a lump sum payment should
the person insured sufer an illness or injury which causes permanent disability.
Income Protecton: Also known as salary contnuance, income protecton insurance is designed to
provide a regular income in the event that you are unable to work due to sickness or injury.
Trauma Insurance: Trauma insurance (or critcal illness) cover provides a lump sum beneft on diagnosis
of a defned specifed event. Trauma insurance is designed to help people fnancially following a trauma
or crisis, such as a heart atack, stroke, cancer or other life threatening conditon.
OUR DIRECTORS LIVE AND
BREATHE BUSINESS.
Sam is the Managing Director of Dirigo Group. A self-confessed perfectonist and numbers
tragic, Sam’s passion is guiding entrepreneurs along the path of building sustainable,
proftable businesses. With a talent for crafing innovatve business strategy, a deep
understanding of fnancial statements and a knack for analysing and explaining complex
business concepts in plain English, Sam is the ideal advisory partner for startup, SME and
mid-market businesses.
Sam’s previous successes include helping to steer a large steel wholesaler through a
devastatng post-GFC industry downturn, by reducing expenditure, improving fnancial
management and developing a more disciplined, data-driven approach to decision making.
He also assisted a rapidly-growing sportng equipment wholesaler to handle its growth
by implementng a comprehensive business plan and fnancial forecast, setng up the
appropriate systems and processes and obtaining working capital fnance.
Sam has also previously owned successful small businesses in his own right, including a
Jets Fitness franchise.
SPECIALITIES
High-growth businesses, business turnaround, startup advisory, complex fnance
Industries: Wholesaling, Manufacturing, Transport, Professional Services
QUALIFICATIONS
Bachelor of Business – Accountng and Finance, Certfcate IV in Finance and Mortgage
Broking, Commissioner for Declaratons (Qld)
MEMBERSHIPS
Finance Brokers Associaton of Australia
Samuel McCarthy
B.Bus(Accy) CDec
Managing Director
P: 0448 267 576
E: [email protected]
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Steve Keefe has extensive management & operatonal experience across a range of
industries, including Banking & Finance, Labour Hire, Plant & Equipment Hire, and Business
Advisory. He has worked with a wide range of companies from startups to small corporates.
Steve is a co-founder of Summit Tower Hire, a wildly successful provider of Truck Mounted
Elevated Work Platorms to some of the largest mining, renewable energy and infrastructure
companies in Australia. In its frst year of operaton Summit became a preferred supplier
to BHP, Rio Tinto, Xstrata and Anglo Coal, turned over more than $5m and employed 24
people.
Steve’s broad range of experience means he intuitvely understands what it means to be
a business owner, the drivers of business success, the challenges faced by growing and
changing businesses; and how these translate into fnancing requirements. His ability to
communicate this understanding to all types of stakeholders is what sets him apart from
other advisors and is why he consistently achieves positve outcomes for his clients.
SPECIALITIES
Cash fow fnance, property fnance, startup advisory
Industries: Plant Hire, Constructon, Property Development, Medical
QUALIFICATIONS
Certfcate IV in Finance and Mortgage Broking
MEMBERSHIPS
Finance Brokers Associaton of Australia
Steve Keefe
Director, Finance
P: 0467 267 974
E: [email protected]
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Chris has over 20 years experience in strategic planning, fnancial management, marketng,
sales, new business development, government tenders and corporate consultng. In that
tme he has worked with both private and government organisatons across a range of
industries including manufacturing, retail, wholesale, government owned corporatons,
export, not for proft, franchising, media and business services.
Chris has held senior management roles with Nestle Australia, Rowntree Hoadley, and Golden
Casket Loteries. He has worked with many other organisatons including Queensland State
Government, Royal Children’s Hospital, Visy, Kimberley Clarke, Uncle Bens, Channel 7, 9
and 10, Austereo network (B105, 4MMM), Courier Mail and Murdoch Publicatons.
Chris has met with success in all his previous roles, including managing a team of 21 staf
to exceed three consecutve annual sales budgets of more than $750m, and leading a team
to achieve annual new business targets exceeding $150m.
More recently, Chris boasts a strong track record of success in consultng engagements,
including a number of contract CFO/GM roles. His clients regularly see an increase of more
than 100% sales and proft with his involvement.
SPECIALITIES
SME advisory & coaching, marketng strategy, branding, business development
Industries: Professional services, automotve, retail, wholesale
QUALIFICATIONS
Bachelor of Business (Marketng)
Chris Nobbs
B.Bus(Marketng)
Director, Advisory & Marketng
P: 0419 701 708
E: [email protected]
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Paul felt the calling to an entrepreneurial life from a young age. He relishes the challenge
of creatng and building businesses, and his innate knack of fnding and pursuing proftable
business ideas has seen him meet with considerable success. Paul’s business career has
spanned three countries, including his natve New Zealand, the United States of America
and Australia. He has owned and operated large businesses in a number of industries,
including automotve, hospitality and fnance.
Most notably, from 1992 to 2004 Paul created and owned a diversifed group of businesses
in the USA, with holdings in eight Jify Lube franchises as well as an enormous family
entertainment centre in California. At its peak, his group employed 300 people and turned
over more than US$50m.
In 2004 he returned to New Zealand where he created a fnance broking business, which
he held untl he moved to Australia in 2010. Since moving to Australia he has contnued
to operate in the fnance and business realms, culminatng with his accession into Dirigo
Group in 2015.
SPECIALITIES
Strategic business development, business fnance, startup & high growth business consultng
Industries: Automotve, professional services, hospitality and tourism, retailing
QUALIFICATIONS
Certfcate IV in Finance and Mortgage Broking
MEMBERSHIPS
Finance Brokers Associaton of Australia
Paul Harbot
Director
P: 0438 598 789
E: [email protected]
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A tragic personal experience led Jerome to a career in fnancial services, specialising in
insurance. Afer losing his father to illness and witnessing frsthand a family grappling
with the dual distress of grief and fnancial disadvantage, Jerome was determined to help
prevent others from facing a similar struggle.
In his ofce, clients fnd a warm welcome and a relaxed atmosphere in which there’s no such
thing as a silly queston. Jerome navigates sensitve subjects with respect and regard for his
clients’ comfort. Few people know that, in additon to his fnancial planning qualifcatons,
Jerome also trained as a counsellor. His empathetc nature is bolstered by a platorm of
considerable tenure and educaton that equips Jerome to help guide his clients to make
informed fnancial decisions aimed at protectng their businesses and lifestyles.
Far beyond simply searching for afordable premiums, Jerome considers his role to be much
more. Regular reviews help ensure his clients’ insurances remain abreast of developments
in their personal or professional lives. Likewise, Jerome is well placed to help facilitate the
claims process and liaise with insurers to help secure his clients’ full enttlements.
SPECIALITIES
Business insurance, personal insurance, superannuaton
QUALIFICATIONS
Diploma of Business, Diploma of Financial Planning, Justce of the Peace (Qualifed)
MEMBERSHIPS
Practtoner Member of the Associaton of Financial Advisers
Jerome de Kretser
Dip FP Dip Bus JP(Qual) AFA
Director, Dirigo Protect
P: 0417 003 243
E: [email protected]
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HERE’S WHAT OUR
CLIENTS HAVE TO SAY.
“It has been our pleasure to work
with someone who genuinely has
an understanding of business, the
current market and drivers of the
market” (Olga Slater, Director, The
Fastener Place)
“It was a fortuitous day for the EDS Group when Dirigo
Group ofered us their services.” (Frank Soll, Director, EDS
Group)
“I highly recommend Dirigo, and will defnitely engage their
services again in future when the need arises.” (Trent Meade,
Director, Revelry Entertainment)
“We are ecstatc with the results we have
achieved with Dirigo Group. They have
enabled us to put into place an acton plan
for our business and results have started
immediately. We couldn’t be happier.”
(Cam Overs, Partner, McFillin & Partners
Accountants)
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Dirigo Group Pty Ltd
ABN: 60 166 127 859
Head Ofce:
Ground Floor, 16 Douglas St, MILTON QLD 4064
PO Box 1264, MILTON QLD 4064
Ph: (07) 3511 5900
Fax: (07) 3367 3392
Email: [email protected]
www.dirigogroup.com.au
WE WELCOME YOUR
ENQUIRY.
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“Impossible is just a big word thrown around by small men who fnd it easier to live
in the world they’ve been given than to explore the power they have to change it.
Impossible is not a fact. It’s an opinion. Impossible is not a declaraton. It’s a dare.
Impossible is potental. Impossible is temporary. Impossible is nothing.”
- Muhammad Ali
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ADVISORY • FINANCE • MARKETING • INSURANCE
©2015 Dirigo Group Pty Ltd. All Rights Reserved.
Designed and produced in Australia by Dirigo Group.
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