Working Capital Is A Loan You Give Your Customers

Your business should be higher-performing, better structured, and more profitable, and you know it.
We offer business management consulting for manufacturing and operational SMEs, combining strategy, finance, and execution to deliver control and sustainable growth.

To help businesses grow, improve, and operate at their full potential, because when companies run well, economies strengthen, communities thrive, and society becomes a better place for our children.
Strong businesses create strong futures. That’s why our work matters.
“Vision without execution is hallucination.”
Thomas Edison


WHO WE WORK WITH:
We work with serious businesses that want discipline, structure, and measurable performance.
You're in the right place if your business:
Turns over £1m+
Has a team and real operational complexity
Is busy but margins don’t reflect the effort
Spends more time reacting than running on structured processes.
Needs better flow, planning, and commercial discipline
Wants growth, but the foundations feel unstable
If that’s you, you’re not alone. And you’re not stuck.
I am the founder of Ellcado Finance Limited and have spent over a decade building the kind of experience most consultants never get close to.
I sat on every side of the table: banker, broker, entrepreneur, and now consultant, giving me a rare 360° view of how businesses really operate, fail, and scale.
My financial skills sharpened at Lloyds Bank as a Commercial Relationship Manager, specialising in Manufacturing and Healthcare, where I analysed complex businesses, assessed risk, and learned exactly what makes a company resilient, credible, and fundable.
Founding Ellcado Finance, a brokerage connected to over 200 lenders and an Appointed Representative of Synergy Commercial Finance, provided me the opportunity to working even closely with SMEs through approvals, declines, restructures, and growth decisions thet gave me deep insight into lender logic and the real reasons businesses succeed or struggle.
Today, as a CRO-style business consultant, I work directly with CEOs in manufacturing, engineering, and operational SMEs, using the ELLCADO™ framework to improve margins, fix operational flow, strengthen financial discipline, and remove owner dependency.
I am also the co-founder of the Astronomy and Exact Sciences Society and co-founder of Ellcado Optics.

A business is a pure strategy game. Your business can run like a Swiss watch.
The CEO leans forward, eyes bright:

Ellcado Finance Limited provides business management consulting, advisory, and strategic support services. We do not offer regulated financial advice.
All insights, recommendations, and materials provided by Ellcado Finance Limited are for general business purposes only and should not be considered financial, legal, tax, or investment advice. Clients remain responsible for their own decisions and for obtaining independent professional advice where required.
Ellcado Finance Limited | Reg. 15875503 | Address: 43 Oswald Road, Scunthorpe, England, DN15 7PN | ICO: ZB742753
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Comments
I reached out to Adina after seeing one of her posts on LinkedIn. It was a post about payments and cash flow. I felt that a chat wouldn't hurt. After deciding to work together, Adina brought structure to chaos. Within weeks we had a clear revenue plan, systems put in place, and a clear direction. She challenged our pricing, tightened our terms, and for the first time we had cash in the bank.
It felt less like hiring a consultant and more like adding a commercially minded partner. She changed the way we operate. I highly recommend Adina.
We’re so glad we discovered Ellcado Finance through LinkedIn. Their deep financial expertise across industries is impressive and Adina’s weekly newsletter is a highlight for our team - always packed with valuable insights. Ellcado truly stands out as an exceptional consultancy.
Adina is extremely knowledgeable, stemming from her extensive banking experience.
What stood out for me is the fact that she truly puts her clients' interests at heart.
She will give you an honest opinion based on your circumstances, educate you on best practices, and always act in a way that serves the client's best interest.
I came across Adina on LinkedIn, where she also shares valuable insights and tools on how to run a business as efficiently as possible.
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