How Much Working Capital Should You Have in the Bank?
First, a clarification, because the question hides a trap. Working capital is a balance sheet measure: current assets minus current liabilities. What …
Insights
Best practices and tips on spend management, automated expense tracking and corporate debit cards for Australian SMB and enterprise businesses.
Editor's picks
The Warning Signs Your Working Capital Is Becoming Strained
Working capital strain shows up in the timing of money long before it shows up in your P&L. By the time the profit line dips, cash has usually …
How to Have the Cash Flow "Talk" With Your Leadership Team Without Causing Panic
The cash flow talk usually fails in one of two ways. You soften it so heavily that nobody acts, or you drop the raw number on the table and the room …
Fraud Is Getting Quieter and More Expensive
Australia’s scam losses hit $2.18 billion in 2025, up 7.8% on the prior year. The number of reports fell. The cost per incident rose. Payment …
What to Do When You're Expecting an Increase in Cash Flow Pressure
Cash flow pressure rarely arrives without warning. A big quarterly bill, a slow season, an EOFY run of ATO obligations, Payday Super landing on every …
The 13 Week Rolling Forecast: Cash Flow Control When Revenue Isn't Steady
Your P&L looks profitable. Your bank balance tells a different story. NAB’s SME survey puts cash flow as the number one concern for 43% of …
Will Payday Super Force the ATO to Become the Unofficial Lender to Australian SMEs?
For years, unpaid super was the working capital line nobody put on a term sheet. Up to three and a half months could pass between the day it accrued …
Seats, Subscriptions, Surprises: A Practical Year-End CFO Check
Year-end isn’t when subscription spend starts getting out of control. It’s when the invoices finally force the conversation. Every CFO I …
The Year-End Wake-Up Call: The Silent Budget Leak
It’s end of June, which means two things if you’ve ever sat in a CFO or Financial Controller seat: you’re staring at the P&L …
Where Overspending Hides: A CFO's Year-End Reality Check
Year-end has a way of making overspending feel sudden. But in most finance teams, it isn’t sudden at all. It’s been quietly accumulating …
R&D Tax Incentive 2026-27: What Changed for Startups
The May 2026 Federal Budget delivered the biggest overhaul of the R&D Tax Incentive since 2021. If your startup claims the R&D offset (or …
Fraud prevention for SME finance teams
Fraud prevention isn’t just a concern for large enterprises. Invoice and payment fraud is increasingly aimed at SMEs because processes are lean, …
Spend controls that work without slowing teams down
Most SMEs don’t have a spending problem. They have a control gap: policies that exist in a document but not in the workflow, approvals that …
Australian SMEs Are Switching from OpenAI to Anthropic
Six months ago, your biggest AI line item was probably OpenAI. Today it might be Anthropic. We noticed the shift in our own transaction data and dug …
Reimbursements vs Visa Debit Cards for Australian SMEs
If your finance team is still processing expense reimbursements, the expense management system has already failed. Reimbursements are what happens …
Bank Cards vs Instant Virtual Cards for Australian SMEs
Picture this: your new marketing coordinator starts Monday. She needs to buy Facebook ads, pay for a design tool subscription, and order business …
Shared Card Chaos: The Hidden Cost of One Card for the Whole Team
It’s month-end. You’re staring at a bank statement with 47 transactions on one card. Who bought the $312 worth of office supplies? Which …
Why your ATO payments should go through your spend management platform, not your bank
Here’s something that doesn’t get talked about enough: the largest recurring payments most Australian SMEs make have the least oversight. …
BPAY, bank transfer, or PayID: which payment method should your finance team use for what?
Australian businesses have more ways to pay than ever. BPAY, bank transfer (direct entry), and PayID each serve a different purpose, and most finance …
How to pay your BAS with BPAY (and stop logging into the bank)
Every quarter, the same thing happens. The BAS is lodged, the amount is confirmed, and someone in finance logs into the bank portal to make the …
How to stop chasing receipts for good
Every month, the same cycle. Finance sends the reminder. Half the team ignores it. The other half sends blurry photos of crumpled paper two weeks …
