The most expensive thing a small business can do is grow
Two numbers from this year that don't sit comfortably together.
Small Business Tips
Guides and worked examples for New Zealand and Australian small businesses waiting on unpaid invoices.
Small Business Tips articles
Cashflow for staffing and recruitment businesses: why payroll cycles break it, and how to fix it
TL;DR: Staffing and recruitment businesses pay weekly wages but invoice monthly. That gap is structural,
FundTap Team · 15 May 2026 · 11 min read
Read the articleThe True Cost of Late Payments for Your Business
TL;DR: Late payments cost more than the missing cash. They cost time spent chasing invoices,
FundTap Team · 1 Apr 2026 · 4 min read
Read the articleMyths About Business Loans That Are Costing You Opportunities
TL;DR: Common business funding myths are that you need perfect credit, funding takes weeks, only
FundTap Team · 1 Apr 2026 · 4 min read
Read the articleWhy Running Out of Cash Is the #1 Reason Small Businesses Fail
TL;DR: Running out of cash is the leading reason small businesses fail because money often arrives later
FundTap Team · 1 Apr 2026 · 4 min read
Read the articleWhy Digital Invoicing Beats Paper Every Time
TL;DR: Digital invoicing beats paper because invoices arrive instantly, software catches errors before
FundTap Team · 1 Apr 2026 · 4 min read
Read the articleThe Difference Between Profit and Cashflow (And Why It Matters)
TL;DR: Profit is what is left after subtracting expenses from revenue, while cashflow is the actual
FundTap Team · 1 Apr 2026 · 5 min read
Read the articleThe Most Common Invoicing Mistakes (and How to Avoid Them)
TL;DR: The most common invoicing mistakes are invoicing late, using vague payment terms, sending
FundTap Team · 1 Apr 2026 · 4 min read
Read the articleHow to Avoid the Feast or Famine Cycle in Business
TL;DR: Avoid the feast or famine cycle by keeping business development going every week even when you
FundTap Team · 1 Apr 2026 · 4 min read
Read the articleThe Ultimate Checklist for Healthy Business Cashflow
TL;DR: A healthy cashflow checklist covers invoicing habits (invoicing as soon as work is done, specific
FundTap Team · 1 Apr 2026 · 4 min read
Read the articleHow to Get Clients to Pay Faster Without Damaging Relationships
TL;DR: To get clients to pay faster without damaging relationships, agree payment terms in writing
FundTap Team · 1 Apr 2026 · 4 min read
Read the articleHow Professional Services Firms Can Improve Payment Turnaround
TL;DR: Professional services firms can improve payment turnaround by billing fortnightly or weekly
FundTap Team · 1 Apr 2026 · 4 min read
Read the articleHow to Make Confident Financial Decisions as a Small Business Owner
TL;DR: Make confident financial decisions by checking your numbers weekly (bank balance, outstanding
FundTap Team · 1 Apr 2026 · 4 min read
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Last reviewed 10 August 2026