Blog
Notes on cash flow.
What we've learned about working capital, getting paid and keeping money moving — written for Australian businesses.
2 Sep 2026
Card Surcharge Ban from 1 October 2026: What Small Businesses Need to Know
From 1 October 2026 you can't add a surcharge when someone pays you by card. Visa, Mastercard, eftpos and Amex all end on the same day. If you sell to the public and never surcharged, this is good news, because the fees…
5 Aug 2026Finance, Insurance and Premium Funding. One Journey.
Cloudfloat, Financeable and Your Insurance have launched an integrated insurance and premium funding solution for commercial finance brokers: asset…
3 Nov 2025The Hidden Cost of Paying Suppliers Early (And How to Avoid It)
Paying a supplier early to secure a discount can leave your working capital trapped when an opportunity or emergency lands weeks later. That timing…
17 Oct 2025Australia's Proposed Cash Flow Tax: What Small Businesses Need to Know
The Productivity Commission has proposed reshaping Australia's corporate tax system: cutting the company tax rate to 20% for businesses under $1…
30 Sep 2025Reclaim Your Future: Why Late Payments Don't Have to Be Your "Inevitable Cost"
Late payments have become so normal that 68% of businesses accept them as an inevitable cost, yet they delay hires, equipment upgrades and expansion,…
26 Sep 2025The 120-Day Advantage: Extra Breathing Room for Your Business
Running a business means constantly juggling cash coming in and cash going out. You need to pay suppliers to keep operations moving, but customer…
19 Sep 2025The $10,000 Question: Is Your Business Trapped in the Late Payment Crisis?
A recent industry report found 63% of Australian and 62% of New Zealand businesses lose thousands of dollars a month to overdue invoices, some over…
12 Sep 2025Make Your Cashflow Predictable: The New Playbook for Australian SMEs
Nearly 70% of Australian SMEs experience cash flow problems, driven by three blockers: customers who pay late, suppliers demanding upfront payment,…
2 Sep 20255 Moves to Keep Your Business Steady When Everything Else Feels Shaky
Uncertainty lands on Australian small businesses as tighter cash flow and customers dragging their feet on bills. Five moves keep things steady: get…
29 Aug 2025The True Cost of Waiting: Why Your Invoices Are Holding Your Business Back
The true cost of overdue invoices is twofold: they drain your time and your capital. Australian owners spend hundreds of hours a year chasing unpaid…
22 Aug 2025The Ultimate Guide to Turning Working Capital into a Growth Engine
Working capital is your current assets minus your current liabilities, and actively managed it becomes a growth engine rather than a number on a…
19 Aug 2025A Business Owner’s Checklist for a Weekly Cash Flow Health Check (and How Automation Makes It Easier)
A weekly cash flow health check takes under 15 minutes and shifts your business from survival mode to proactive growth. The checklist has three steps:…
15 Aug 2025Breaking Free from the Cash Flow Trap: The Smart Business Owner’s Guide
When your largest client takes 60 days to pay but suppliers want payment in 7, you finance the gap yourself, and that cash flow trap stalls growth for…
11 Aug 2025How Growing Teams Win More with Multi-User Access on Cloudfloat
Multi-User Access on Cloudfloat lets account owners invite trusted team members with role-based access, so payments stop bottlenecking behind one…
8 Aug 2025Navigating Inflation: Cash Flow Strategies to Protect Your Business in a High-Cost Environment
Inflation squeezes small business margins and cash flow through rising supplier prices, wages and supply chain delays. Six cash flow strategies build…
13 Jun 2025What Are the Requirements for a Business Loan?
The main requirements for a business loan from a traditional lender are one to two years of trading history, 12 to 24 months of financial records, a…
2 Jun 2025How Do Business Loans Work?
Business loans let a company borrow from a bank or fintech platform and repay the principal plus interest over a set period. Traditional applications…
26 May 2025How to Write a Business Plan: A Step-by-Step Guide
A business plan is a roadmap for your business, setting out goals, strategies, target market, competitive landscape and financial forecasts. Writing…
19 May 2025The Different Types of Business Loans in Australia
The main types of business loans in Australia are term loans, short-term loans, lines of credit, invoice financing, equipment loans and merchant cash…
9 May 2025How to Calculate Your Business Loan Repayments
Business loan repayments are driven by the amount borrowed, the interest rate, the loan term, fees, repayment frequency, collateral and your credit…
2 May 2025What is Asset Financing: The Complete Guide
Asset financing lets your business get the equipment, machinery, vehicles or technology it needs without paying upfront, preserving working capital by…
23 Apr 2025SME Lending: How Fintech Platforms are Revolutionising the Industry
Fintech platforms are reshaping SME lending in Australia, using real-time data and AI-driven risk assessments to fund businesses in hours rather than…
11 Apr 2025Business Loan Interest Rates in Australia: What You Need to Know
Business loan interest rates in Australia are shaped by the RBA cash rate, lender margins, your risk profile and the loan term. Typical APRs range…
4 Apr 2025Best Small Business Loans in 2025
Small business loans in 2025 range from secured and unsecured bank finance through Commonwealth Bank, ANZ, Westpac and NAB to faster alternatives.…
25 Mar 2025What are the Financing Options for Small Businesses?
Financing options for small businesses include bank loans, business credit cards, invoice financing, merchant cash advances, venture capital,…
14 Mar 2025What is Cash Flow Analysis and How It Works
Cash flow analysis is the process of examining a business's cash inflows and outflows over a specific period to check liquidity, spot shortages early…
5 Mar 2025Cash Flow and Working Capital
Cash flow is the movement of money into and out of your business; working capital is the difference between current assets and current liabilities. A…
28 Feb 2025Cash Flow Common Problems and How to Solve Them
Poor cash flow management is one of the leading causes of business failure, but the most common problems have practical fixes. Seven issues catch SMEs…
20 Feb 2025Cash Flow Solutions for Aussie Businesses: The Guide
Cash flow is the barometer of a company's financial health, and Australian businesses can strengthen it with everyday strategies, an emergency fund,…
13 Feb 2025Best Cash Flow Management Tools for Businesses in 2025
Cash flow management tools give businesses real-time visibility of money moving in and out, automate invoicing and bill tracking, and forecast…
4 Feb 2025Everything You Need to Know About Cash Flow Lending
Cash flow lending is business finance based on projected cash flow rather than physical assets, so it is typically unsecured and suits businesses with…
28 Jan 202513 Ways to Improve Your Cash Flow: Proven Strategies for Business Success
Cash flow determines your ability to operate day to day, and improving it comes down to 13 proven strategies: invoice promptly, shorten payment terms,…
14 Jan 2025Managing Cash Flow for Small Businesses: The Complete Guide
Cash flow, not profit, determines whether a small business can cover payroll, suppliers and rent, and poor cash flow is one of the main reasons small…
7 Jan 2025What is a Business Line of Credit and how does it work?
A business line of credit is a revolving loan that lets you borrow up to a set limit, repay and borrow again, with interest charged only on the amount…
13 Dec 2024Cash Flow Forecast: What it is and how to do it
A cash flow forecast estimates your future cash inflows and outflows over weeks, months or years, so you can anticipate shortages or surpluses before…
6 Dec 2024Cash Flow Management: The ultimate guide to unlocking business growth
Cash flow management means tracking, analysing and optimising the money moving into and out of your business so you can cover expenses, invest in…
27 Nov 2024Cash Flow Projections: What are they and how do they work
A cash flow projection estimates the cash moving in and out of your business over a set period so you can predict liquidity and plan ahead. Its…
21 Nov 2024Understanding Short-Term Business Loans: A complete guide
Short-term business loans deliver quick funding for inventory, payroll or cash flow gaps, with secured and unsecured options, terms from one month to…
20 Sep 2024The Cloudfloat Wallet: Transforming your business finances with industry-first cashback on every invoice
The Cloudfloat Wallet, powered by Cloud AUD technology, brings industry-first cashback to business payments. Your suppliers are paid in real time…
27 Mar 2024Beware of Invoice Scams in 2024 and what you need to know
Fraudsters are targeting Australian businesses with invoice scams, from payment redirection via compromised supplier email accounts to domain…
17 Jan 2024Here’s why Cloudfloat is a real business loan alternative for your small business, and it's incredibly quick and easy to set up!
Bank business loans usually mean collateral, heavy paperwork and a four to six week wait, while alternative lenders move faster but charge higher…
10 Nov 2023What is Invoice Financing? Is it a real alternative for Small Businesses?
Invoice financing lets a small business borrow against its own accounts receivables rather than selling invoices to a factor, so you keep control of…
22 Jul 2023What is Invoice Factoring? Is it for Small Businesses?
Invoice factoring means selling your outstanding invoices to a third party for immediate cash, typically an advance of 70% to 85%. It can be…
9 Mar 2022How to keep cash flowing during COVID-19?
COVID-19 put small business cashflow under strain, with a Deloitte-published survey estimating 85 percent of SMEs would run out of cash within three…