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 …
Insights
Best practices and tips on spend management, automated expense tracking and corporate debit cards for Australian SMB and enterprise businesses.
Editor's picks
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 …
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 …
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 …
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 …
Spot cash flow risk in your weekly spend
Your forecast says one thing. Your bank account says another. The gap between the two almost always traces back to spend that nobody tracked until it …
Why petty cash fails NDIS support workers (and what to use)
The petty cash routine every SIL provider knows Every fortnight, someone from the finance team withdraws cash from the bank. They divide it into …
How to Build a CFO Dashboard for Construction
Your site foremen spent $14,000 on materials last week. You found out yesterday, when the bank statement arrived. That gap between spending and …
Real-time spend visibility: what finance teams should track weekly (not month-end)
Month-end surprises usually aren’t surprises. They’re the result of weeks of spend that wasn’t visible early enough to act on. For …
Prevent overspending before it happens: a practical guide for Australian SMEs
Overspending rarely looks like a single bad decision. Most of the time, it shows up as small leaks: a budget that isn’t owned, receipts that …