Fixed-price construction contracts: Can rising costs change your next loan?
A builder with several fixed-price contracts can face shrinking earnings as delivery costs rise. Reassess current job margins and cash flow before seeking more finance.
6 min read
The card surcharge ban has arrived. How much more can a small business absorb?
The card surcharge ban adds another pricing decision for business owners. Work out the real margin impact, protect cash and avoid borrowing to cover losses.
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Business loan declined? What needs to change before you apply again?
An unsuccessful application can reveal what needs attention. Build a plan around the actual reasons, reliable records and evidence of meaningful change.
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A website copyright claim: can your business afford the legal fight?
A competitor says your website copied theirs. Separate the legal response from the cash plan, including advice, replacement content, owner time and interrupted marketing.
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Paying off vehicle finance early: Could it help you buy commercial property?
Before clearing vehicle finance to buy commercial premises for your business, compare the payout, borrowing assessment and cash left for the purchase and ongoing trade.
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Your insurance might cover the lawsuit. Who pays the legal bills while you wait?
An insurance notification does not settle who pays the next legal invoice. Protect response deadlines, clarify policy conditions and budget for the business while cover remains uncertain.
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A business loan soft credit check: What does it actually tell you?
Understand a soft credit check for business finance. Ask what information is accessed, what is recorded and when a later application enquiry may occur.
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A customer is suing over the job: unpaid invoices and legal bills
The job is finished, the invoice is unpaid and a customer has started legal action. A practical guide to organising advice, budgeting legal stages and keeping other work moving.
6 min read
Supplier dependence risk: Can your cash flow absorb a change?
A key supplier’s change can affect prices, payment timing and your ability to deliver. Map the dependency and test the cash cost of a workable alternative.
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Commercial property valuation shortfall: Where will the extra cash come from?
A lower warehouse valuation can change the cash needed to settle. Work through the revised loan, contribution, deadlines and operating reserve with your advisers.
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Responding to an unfair dismissal claim while keeping the business running
A former employee's claim adds deadlines, records and difficult decisions to a busy owner's week. Separate the response from daily operations and budget for the work ahead.
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Your short-term business loan exit strategy: Plan repayment before you sign
Before taking short-term funding, establish how the debt will be repaid, what evidence supports the plan and which decisions need to happen before maturity.
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You found the crew. Is your harvest working capital ready for wages, beds and buses?
The crew has agreed to come, but their wages, accommodation and transport need funding before the crop brings in cash. Work through the timing, lawful costs and harvest margin before committing.
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Suing a customer: could the legal bill leave you worse off for cash?
You have done the work and want your money. Before starting proceedings, assess what might actually be recovered, what each stage could cost and how the business will keep trading.
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An ATO visit during lunch service: keeping the business running while you get the records together
An ATO visit can interrupt a busy service. Learn how to organise records, involve your accountant and plan the cash impact while keeping your business running.
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Your building contract requires a bank guarantee: Could an insurance bond preserve your cash?
A building contract can require a bank-issued guarantee as security for the client. Learn when an accepted insurer-issued performance bond may preserve working cash.
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Your crop is ready. Your harvest crew isn’t. What happens to harvest cash flow?
The crop is ready, but the crew is short. Work through what can still be harvested, what cash has been lost and what the farm can afford to do next.
6 min read
Your ATO payment plan fits on paper. Can it survive the next quiet month?
Stress-test your ATO payment plan against a quiet month, late customer payments and current tax bills before deciding whether extra borrowing makes sense.
6 min read
Vehicle finance balloon payments: Will your work vehicle be worth enough?
A lower monthly vehicle payment needs a workable plan for the final debt. Explore sale-value shortfalls, replacement timing and alternative repayment structures.
6 min read
Your bookkeeper finds a BAS mistake. How do you pay the difference and keep trading?
Found a BAS mistake? Confirm the correction with your tax agent, map upcoming payments and compare ways to pay the difference while your business keeps trading.
6 min read