Marginkraft
Commercial finance fluency for every function β€” at scale

Build a workforce that thinks in margins, not just tasks

Marginkraft embeds commercial finance fluency across every function β€” from corporate teams to small business owners. Industry-specific pathways, an AI tutor, diagnostic tools and a sales simulator. No finance degree required.

Early learners are seeing an average +39pt baseline-to-exit competency lift.

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The cost of a finance-blind workforce

Most organisations lose money not because people make bad decisions on purpose β€” but because they can't see the financial consequences of everyday choices.

Margin leaks every quarter

Your marketing managers approve trade spend without seeing the gross-to-net impact. Your operations leads cut costs that hurt throughput. Small decisions, compounding margin erosion.

Generic training doesn't stick

Off-the-shelf finance courses teach theory with examples nobody recognizes. Your people forget it by Friday because it's not their numbers, their sector, their decisions.

You can't prove competency lift

You send people to training and hope it worked. Without a baseline and an exit measure, you can't show the CFO that L&D spend actually moved the needle.

Coaching that reaches three people

1:1 finance coaching is powerful β€” and impossibly expensive to scale beyond a handful of high-potentials. The rest of your organisation stays finance-blind.

How we make every manager commercially fluent

A systematic approach that turns finance-averse managers into decision-makers who connect their daily work to the P&L.

Industry-specific pathways

Your airline team learns RASK and CASK. Your CPG team learns gross-to-net and trade ROI. Your energy team learns LCOE and PPA pricing. 13 pathways, each in your sector's language and scenarios β€” not a generic finance textbook.

AI tutor that scales coaching

Every learner gets a personal finance tutor, available 24/7, that answers questions in plain English and their industry's jargon. One-on-one coaching, scaled to your entire workforce.

Baseline-to-exit measurement

Every learner takes a baseline assessment on day one and an exit assessment on completion. You get a measurable competency lift per team, per function, per individual.

20-hour self-paced curriculum

No full-day workshops pulling people off the job. Foundation modules plus industry-specific content, completed at each learner's pace β€” typically three to four weeks.

Sales simulator

Learners practise high-stakes commercial decisions in a safe environment before they make them for real. Strategy, consequences, coaching β€” all in one.

How it works

From sign-up to certified β€” six simple steps. No finance background needed, no workshops to attend.

1

Create your account

Sign up with your email in seconds β€” or log back in if you already have access. No credit card needed to explore.

Sign up
2

Get access

Buy individual access online, or enter the seat code your employer gave you. Your email domain must match for company seats.

Buy enterprise seats
3

Pick your pathway

Choose your industry during a quick one-minute onboarding. You'll get modules written in your sector's language and scenarios β€” not generic finance theory.

4

Learn module by module

Work through short learning pods at your own pace. Each module has plain-English explanations, a worked case study, and a quick quiz to check your understanding.

Start learning
5

Ask the AI tutor

Stuck on a concept? Ask the built-in tutor a question in plain English and get an answer tailored to your industry's jargon β€” available any time, no judgement.

6

Measure your lift and certify

Take a baseline assessment on day one and an exit assessment when you're done. See your competency improvement and download a completion certificate to share.

See your progress

Measurable competency lift, at scale

Every learner is assessed before and after. You see exactly how much your investment moved the needle β€” by team, by function, by individual.

7
Managers trained
121
Curriculum modules
+39pt
Avg competency lift
27h
Learning hours delivered

One platform, every business β€” and every business owner

Whether you run an airline, a bank, a consumer goods company, or your own small business β€” every learner gets finance training in their own language and scenarios.

Swipe to explore all 16 pathways

Airline

B2C

Seats, slots and yield

Learn to read every route the way your CFO does β€” how scheduling, pricing and capacity decisions land on the P&L. You'll spot revenue leaks, defend your plans with numbers, and earn a real voice in commercial strategy.

Built for real roles β€” Route Planner at Delta and similar.

CASKRASKLoad factor

Retail

B2C

Footfall, baskets and sell-through

Learn what every basket, shelf and markdown decision does to store profit. You'll price with confidence, cut the waste that actually matters, and run your stores like a portfolio of profitable square feet.

GMROIMarkdownSales per sq ft

Hospitality

B2C

Rooms, rates and occupancy

Learn how every rate change, occupancy swing and room cost flows to the bottom line. You'll forecast with confidence, build investment cases that get approved, and protect profit in any season.

RevPARADRGOPPAR

Telecom

B2C

Subscribers, ARPU and churn

Learn the subscriber economics behind acquisition, retention and pricing. You'll know which customers actually make money, where churn really hurts, and how to grow value instead of just buying it.

ARPUSACCLV

Education

B2C

Enrollment, tuition and outcomes

Learn the economics behind enrollment, financial aid and delivery cost. You'll make smarter admissions, programme and pricing decisions β€” and defend them with numbers leadership trusts.

Built for real roles β€” Enrollment Manager at a university and similar.

Net tuitionEnrollment yieldCost per FTE

Pharma & Healthcare

B2C

Rebates, gross-to-net and access

Learn how gross-to-net, rebates and access decisions shape real profit in one of the industry's most complicated revenue models. You'll price, contract and plan with confidence.

Gross-to-netChargebacksRebates

SaaS & Technology

B2B

Recurring revenue and retention

Learn to think in recurring revenue β€” retention, expansion and efficient growth. You'll understand what investors see in your metrics and make product and sales decisions that compound instead of reset.

ARRNRRCAC payback

Manufacturing

B2B

Throughput, cost and absorption

Learn how throughput, utilisation and overhead absorption drive plant economics. You'll find the hidden cost in every process and speak the same language as your finance team.

OEEStandard costAbsorption

Banking

B2B

Spreads and risk-adjusted returns

Learn how spreads, deposits and risk-adjusted returns really make money. You'll price relationships sensibly, spot value-destroying business early, and hold your own in conversations with treasury and CFOs.

NIMCost of fundsRoRWA

CPG

B2B

Shelves, promos and trade spend

Learn what trade spend, distribution and price-pack architecture actually return. You'll stop funding promotions that destroy margin and put every shilling, dollar or euro where shoppers truly respond.

Gross-to-netTrade ROI

Energy Utilities & Grid

B2B

Rate base, tariffs and sold power

Learn how regulated returns, tariffs and power purchase decisions interact. You'll navigate rate cases, structure PPAs and defend network investment with financially sound arguments.

Rate baseEnergy lossesPass-through

Renewables & IPPs

B2B

LCOE, PPAs and contracted returns

Learn to see your projects the way lenders and investors do β€” through LCOE, DSCR and contracted cash flow. You'll structure deals that reach financial close and negotiate PPAs with confidence.

LCOEDSCRCapacity factor

SME & Entrepreneur

SME

Cash flow, margin and growth

Learn the money skills every owner needs β€” pricing for profit, managing cash flow and funding growth without drowning in debt. You'll stop guessing, keep more of what you earn, and build a business that survives and scales.

Contribution marginCash conversionBreakeven

Logistics

B2B

Freight, fleet and fulfilment

Learn the true cost of every kilometre, pallet and delivery. You'll price freight profitably, fix the lanes losing money, and make fleet and warehouse decisions on facts instead of gut feel.

Cost per kmLoad factorFreight margin

Insurance

B2B

Premiums, claims and float

Learn how underwriting profit, claims behaviour and investment float drive performance. You'll price risk smartly, question loss trends with evidence, and understand what the combined ratio is really telling you.

Combined ratioLoss ratioUnderwriting margin

Professional Services

B2B

Billable hours, leverage and realization

Learn the economics of billable time β€” utilization, realization and leverage. You'll staff, scope and price engagements so every hour you sell actually makes the firm money.

UtilizationRealizationLeverage ratio
FAQ

The questions every buyer asks β€” answered

Thinking about finance training for your non-finance people? Here's what HR directors, CFOs, line managers and business owners usually want to know before they commit.

Still have a question? Book a 30-minute demo β€” or try the free taster yourself first.

30-minute live walkthrough

Book a demo

See how Marginkraft can build commercial finance fluency across your organisation. We'll walk you through a tailored pathway for your industry and show you the competency measurement dashboard.

Ready to skip the call? Buy enterprise seats directly start individual learning.

Marginkraft β€” Commercial finance fluency for every function

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