Guides
Guides that answer the real questions
New guides every week — researched, written for Australian businesses, and honest about what lenders look at.
Cash flow basicsGetting readyPlanning aheadChoosing fundingTax and cash
Working-Capital Gap: What It Is and How to Find Yours
Learn how to calculate your working-capital gap: fixed costs, days to get paid, one-off spends and your cash buffer, with an illustrative worked example.
12 October 2026
Days to Get Paid: The Number That Drives Cash Flow
How to measure your days to get paid, why it drives your working-capital gap, and practical ways to shorten it, from invoicing habits to deposits.
12 October 2026
What Lenders See in Your Bank Statements
A business bank statement is a lender's first read of your business. Learn what they look for, what raises questions and how to prepare before applying.
12 October 2026
Funding a Busy Season Before It Arrives: A Timeline
Plan the cash for your peak season: a practical timeline from forecasting through stock, staff and funding, so the rush doesn't drain the account.
12 October 2026
Unsecured or Property-Backed? How to Choose a Route
A step-by-step way to choose between unsecured and property-backed business funding: size the need, check what you own, test the downside and plan the exit.
12 October 2026
Tax Dough Jars: Setting Aside GST, PAYG and Super
A simple jar system for small business tax: set aside GST, PAYG withholding and super as money arrives, with 2026-27 BAS dates and payday super.
12 October 2026See what your business could qualify for
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