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The PFITZ Model
A way to see your working capital position clearly, before a lender sees it for you.
Most businesses find out their working capital is under pressure when a lender tells them. By then the options are narrower and the terms are worse. The PFITZ Model exists to catch it earlier, using the same lens credit teams use, because it was built by someone who ran credit and risk teams, not just someone who sells finance.
The Model is the framework. It's put into practice through three tools: the Working Capital Assessment, a 10-minute self-assessment that gives you a Zone reading; the Working Capital Review, a facilitated session that goes through each pillar in depth; and the Bank Readiness Score, a deeper 100-point assessment for when you're actually preparing to seek funding. Each Review ends in a tailored Funding Blueprint, and outcomes from that Blueprint feed back into the next Review, so the process improves the more it's used.
Together, these four determine which Zone of Financial Strength your business sits in: Pressure, Stability, or Strength.
Questions About the PFITZ Working Capital Model
The PFITZ Working Capital Model is a diagnostic framework developed by Sonja Pfitz to help established businesses understand the strength of their working capital position before a lender assesses it.
It examines four areas that influence how cash moves through a business: Position of Cash Strength, Funding Structure, Investment in Working Capital and Trade and Cash Conversion.
Together, those four pillars determine the business's Zone of Financial Strength.
PFITZ represents the four areas assessed by the Model and the outcome they produce:
P — Position of Cash Strength: Where the cash position actually sits today, not where the profit and loss statement suggests it should.
F — Funding Structure: Whether the finance being used matches how the business actually operates.
I — Investment in Working Capital: How much cash is tied up in debtors, inventory and work in progress, and whether that position has developed by design or by drift.
T — Trade and Cash Conversion: How long it takes money to move through the business, from purchase or production through to customer payment.
Z — Zone of Financial Strength: The resulting position of the business across the four pillars.
What are the three Zones of Financial Strength?
The PFITZ Model places a business into one of three Zones: Pressure, Stability or Strength.
A Pressure Zone indicates areas of working capital stress or structural weakness that require attention.
A Stability Zone indicates that the business is generally managing its working capital but may still have opportunities to strengthen its position.
A Strength Zone indicates a stronger working capital position across the areas assessed by the Model.
The Zone is a diagnostic indicator rather than a lending approval or credit rating.
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TESTIMONIALS
Real businesses. Real results.
At Pfitz, our clients’ success is our top priority. Hear directly from our clients about their experiences and how we have helped them achieve their goals.
Manufacturing
Very Personal Service that Banks Don’t Provide
Sonja took the time to really look at our business and understand our needs and spoke to us with passion. She gives a very personal service that you don’t receive from the banks.
Kylie Evans, Owner, Trident Group of Companies
Landscaping
Knowledge is Priceless
Sonja was fantastic to deal with. She is very realistic and on the ball with every aspect of our situation and she considers all avenues to get a positive outcome. Sonja is great at navigating the stress and difficulties when trying to get finance when you own your own business and her up-to-date knowledge is priceless.
Nick & Fran Forde, Sharp Landscape
Homewares
Helped Grow our Business
We needed finance solutions and access to funds with products traditional lending providers do not offer. Sonja was able to help us secure credit in order to grow our business. Sonja is a professional who has become our go-to consultant for our business. I actually refuse to work with any financial provider unless Sonja is involved. She is always on our side, with our interests in mind. I 100% recommend Sonja Pfitz and her company and advise anyone wishing to improve or grow their business to contact her.
Robert Bekhazi, Director - Classica Pty Ltd
Engineering
Professional, Caring and Customer Focused
Sonja is just Brilliant, Professional, friendly, caring and customer focused on the correct solution. I recommend your company with so much respect for the way you conduct business. Thank you so much.
Neville Wilson, MD, FDPI Pty Ltd
Automotive
Efficient & Knowledgeable
Sonja is awesome to work with! She help us with our business loans and was quick and efficient and knows her stuff. We highly recommend Sonja to help with anything finance and look forward to working with her in the future.
K. Hassett, MD, Pedders Rockhampton