With cash flow concerns increasing and SMEs lending picking up over the past year, Grow Capital CEO Gus Gilkeson outlines why businesses need to make understanding their cash flow a priority in 2025, while offering advice on how to do so.
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Have you ever heard the saying, “revenue for vanity, profit for sanity”? This means while revenue may make a company look successful, it’s profit that really matters for financial health. Matt, who runs a growing commercial truck repair business in Melbourne, learned this the hard way. Despite having his best month ever in terms of revenue, his business faced constant cashflow issues. Common and constant cashflow surprises caused financial anxiety.
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A recent CreditorWatch survey shows only 66% of small business owners are satisfied with their current level of working capital with many having to lay off staff to deal with cash flow and credit challenges.
OptiPay has seen an 18% increase in requests for invoice financing as SMEs prepare for extra orders and demand heading into Christmas.
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Using a bucket company can save you tax.
It is a legal way of distributing income to a company taxed at either 25% or 30% as opposed to an individual beneficiary that could be taxed at 45% plus 2% medicare levy.
These funds can then be used in another investment or business opportunity to further grow your wealth.
It is suitable for individuals who would otherwise find themselves in the top two tax brackets.
The article explains insurance premium financing, a solution that allows businesses to spread their annual insurance premiums into manageable monthly payments. It helps ease cash flow pressures by consolidating multiple premiums under one loan, making repayment simpler. The article outlines how the process works, the eligibility criteria, and the application steps. It also highlights the benefits of partnering with a lender or broker to access flexible, customised funding solutions.
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Growing your small business is exciting but challenging. This article breaks down easy-to-understand funding options, from traditional business loans to flexible lines of credit, government grants, and private investors. It also covers forecasting growth through expense management, revenue projections, and cash flow planning. As you expand, key steps include hiring the right team, upgrading infrastructure, and focusing on customer retention.
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Ready to take your small business to new heights? Start with these eight transformative financial strategies. Sharpen your financial acumen by maintaining pristine records that turn insights into actions and delegate accounting complexities to professional bookkeepers to free up your focus for strategic growth. These strategies are your toolkit for financial mastery and long-term success.
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Running a successful small business isn’t a simple task. Small business profitability and longevity reside in following a sound business strategy. Business analytics keep a small business on track to reach its overarching goals and strategy. This article will explore practical ways small businesses can harness the power of analytics to improve their customer engagement, operational efficiency, and product development.
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Securing a business loan with a bank can be a tipping point for your business, providing the capital needed to expand, purchase inventory, or improve operations. However, the process can be daunting without the right preparation and knowledge. As an entrepreneur, adding an experienced mortgage broker to your financial team is a real asset.
This guide provides a detailed roadmap on how to apply for and secure a business loan. It includes tips on improving your chances of approval and what lend
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An increasing number of small businesses are falling behind on tax and superannuation obligations with the ATO currently chasing $50billion in outstanding debts.
Angus Sedgwick is CEO of leading financing company OptiPay and outlines the main mistakes SMEs are making when it comes to managing their accounting.
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Five important tips for cash flow budgeting, from an entrepreneur.
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Finding the right tenant for your commercial property can feel like striking gold. But before you start counting rental income, there’s crucial groundwork to ensure your space is attractive and functional for potential tenants.
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