Timing problems
Cash gaps: when bills beat the money in
Most cash crunches aren't about a bad business. They're about timing. Find your gap, see how big it is, and see how owners bridge it.
Slow-paying invoices
Your work is done but customers pay on 30, 60 or 90-day terms. How to measure the cash you've got locked in invoices, speed it up and bridge the wait.
Read more →Customer payment delayed
One big customer payment is late and the bills won't wait. A week-by-week plan to protect wages and suppliers, chase the money and bridge the gap fast.
Read more →Bills due at once
Rent, wages, super and supplier bills all landing in one week? How to spread the pile-up, which bills to protect first and how to bridge the crunch week.
Read more →BAS quarter crunch
BAS due and the account can't cover it? The 2026–27 quarterly due dates, why the crunch keeps happening and how to pay on time without starving the business.
Read more →Payday Super cash flow
Since 1 July 2026, super must reach employees' funds within 7 business days of payday. What that does to small business cash flow and how to cover it.
Read more →Quiet season cash
Takings drop but rent, wages and loans don't. How Australian seasonal businesses size the off-season gap, trim costs and bridge to the busy months.
Read more →Growth cash gap
More orders, more staff, more stock — and less cash. Why fast growth drains small business bank accounts and how to fund growth without stalling it.
Read more →Christmas shutdown gap
Customers close for Christmas, invoices go unpaid until late January, but leave, rent and the BAS don't stop. How to plan and bridge the summer shutdown gap.
Read more →New contract start-up
A big new contract means materials, staff and gear paid upfront, with the first payment weeks away. How to size the start-up cash gap and fund it without risk.
Read more →See what your business could qualify for
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