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 …
Cash Flow Articles
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: What Australian SMEs Actually Need
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 …
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 …
Best accounting software for Australian SMEs (compared)
Running a small or medium-sized business in Australia means juggling endless financial responsibilities while trying to stay competitive. You’re …
How to start a successful bookkeeping business in Australia and build lasting financial success
The bookkeeping industry in Australia is experiencing unprecedented growth, with more businesses outsourcing their financial management than ever …
How to manage recurring expenses and boost your Australian SME's financial health
Small business owners across Australia face a constant juggling act with their finances. Between managing daily operations and planning for growth, …