Practical resources on managing cashflow for AU and NZ small businesses. Forecasting, late-payment management, working capital options, and where invoice finance accelerates the cycle without adding debt.
Last reviewed 11 August 2026
The gap between when you spend money and when you receive it is one of the most common challenges for small businesses. Here’s how to manage it.
Know your timing at all times
The most important thing is to know — in advance — when money is expected in and when it needs to go out. Update this projection weekly. Surprises are harder to manage than known gaps.
Invoice immediately, follow up promptly
Every day you delay invoicing adds a day to your wait. Send invoices the day work is completed. Follow up the day after they’re due if not paid. Speed on both ends makes a meaningful difference.
Negotiate supplier terms
If your clients pay on 60 days and your suppliers want 30 days, you have a 30-day funding gap. Negotiating 45 or 60-day terms with your suppliers can close part of that gap without any external finance.
Use invoice finance for large or recurring gaps
When a specific large invoice is creating a timing problem — or when your business grows faster than your clients’ payment cycles — invoice finance is often the cleanest solution. You’re not taking on debt; you’re just accessing money you’ve already earned.
