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 …
Finance Leadership 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 …
Budgetly appoints Lisa Callaghan as Chief Financial Officer
PRESS RELEASE Sydney, Australia, 20 May 2026 Budgetly, the AI-driven spend management platform helping Australian SMEs eliminate overspending before …
Budgetly introduces the Control Loop: a new model for real-time financial control
PRESS RELEASE Sydney, Australia, 19 May 2026 Budgetly, the Australian spend management system used by more than 20,000 users across 1,200 businesses, …
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 …
Three in four Australian SME finance leaders want AI automation, but only one in four are using AI tools today
PRESS RELEASE Sydney, Australia, 20 April 2026 New CFO Survey data from Australian SMEs shows a major “AI implementation gap” inside …
CFO Leadership eBook Series 6: Flow, Not Friction
Finance teams are under pressure to move faster, but the approval processes most organisations rely on were designed for a slower world. Projects …
Technology and AI Investment Priorities in Finance 2026
Australian finance leaders are signalling a clear shift. Technology and AI are no longer future considerations; they are active investment priorities …
CFO Leadership eBook Series 5: Strengthening Financial Governance
Financial leakage, overspending, and fraud are preventable. Yet many Australian businesses still rely on manual controls that are easy to bypass and …
CFO Leadership eBook Series 4: Tech-Led Transformation
Legacy systems feel safer, but they are holding finance back. Spreadsheets, manual approvals, and disconnected tools create more risk than they …
CFO Leadership eBook Series 3: Building a Trust-First Culture
Excessive oversight slows teams down and erodes confidence. When every purchase requires a manager’s approval and every expense report triggers …