What Australian SMEs Should Do Now About Cash, Controls and Fraud
It’s a tough year to run an Australian SME. Payday Super started on 1 July. Award wages rose 4.75% and the national minimum wage rose almost 6%. …
Cash Flow Articles
Rates Are at 4.60%. Your Payables Are a Funding Decision Now
What the fourth rise of 2026 means for SME cash, debt and supplier terms The fourth rate rise of 2026 has a simple effect that many SME leaders …
Your bank balance tells you what already happened. Your budget should tell you what's about to.
Your bank balance is telling you what has already happened. Your budget is meant to tell you what is about to happen. When those two numbers drift …
Cash Flow Forecast: How to Forecast Cash Flow (AU Guide)
A cash flow forecast is a projection of the money coming into and going out of your business over a set period, usually week by week or month by …
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 …
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 …
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 …
Cash Flow Management Software for Australian SMEs
You find out on the 15th that a team overspent their budget by $8,000. The invoices cleared last week. The damage to your cash position already …
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 …
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 …
