Cash flow is tight. Let us get ahead of it.
Profitable businesses still run out of cash. The fix is rarely one thing. It is forecasting, tightening the gap between money in and money out, and planning for your ATO obligations so they never blindside you.
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What's happening
- Money is coming in, but the bank balance never seems to grow.
- You are juggling supplier payments, wages and your next BAS.
- Customers are slow to pay, and you are funding the gap yourself.
- A GST or PAYG instalment bill is around the corner and you are not sure it is covered.
- You are making decisions reactively rather than from a clear picture.
What to do to take back control.
- 01
Build a rolling cash flow forecast
A 13 week cash flow forecast shows what is coming in and going out, week by week. It turns vague worry into a clear picture and tells you exactly when pressure points hit, so you can act early rather than scramble.
- 02
Tighten your debtor collection
Slow paying customers are an interest free loan from you to them. Shorter payment terms, clear invoices, deposits up front and consistent follow up bring cash in faster. We help you set up a process that does not rely on you chasing every invoice.
- 03
Plan for GST, PAYG and tax
The GST you collect and the PAYG you withhold are not your money, they belong to the ATO. We help you set those amounts aside as they accrue so your BAS and instalment bills are always funded and never a shock.
- 04
Talk to the ATO early if needed
If a tax bill genuinely cannot be paid on time, the ATO offers payment plans. Engaging early, before debts pile up, gives you far better options. We can help you approach them and put a realistic plan in place.
- 05
Manage stock and supplier terms
Cash tied up in excess stock is cash you cannot use. Negotiating better supplier terms and matching your purchasing to demand frees up working capital. Small changes here often release more cash than chasing new sales.
- 06
Separate profit from cash
A business can be profitable on paper and still short of cash because of timing, tax and drawings. We help you understand the difference so you stop being surprised by the gap between your profit and your bank balance.
How we help
CFO services
Cash flow forecasting, working capital management and the financial oversight of a finance chief, without a full time hire.
ExploreBusiness advisory
A clear plan to ease the pressure, improve collections and make confident decisions backed by your numbers.
ExploreBookkeeping
Up to date books and accurate BAS so you always know your real cash position and never miss an ATO deadline.
ExploreQuestions we hear most often.
Have a question that is not here? Call 07 3399 2300 or book a consultation and we will answer it directly.
Why is my business profitable but always short of cash?
Profit and cash are not the same. Timing differences, money tied up in stock and debtors, loan repayments, GST and PAYG obligations and owner drawings all affect cash without showing as expenses in your profit. A cash flow forecast reveals exactly where the gap is.
What if I cannot pay my BAS on time?
Contact the ATO early. They offer payment plans that let you pay tax debts in instalments, and engaging before the debt grows gives you the best options. We can help you prepare a realistic proposal and keep you in good standing.
How quickly can a cash flow forecast help?
Almost immediately. Even a simple 13 week forecast shows where the tight weeks are so you can move payments, push for collections or arrange funding ahead of time. It replaces reactive panic with a plan you can act on.
Get on the front foot with your cash flow.
Stop reacting and start forecasting. Book a consultation and we will help you see what is coming and free up the cash to handle it.