We run Busy Bookkeeping, a bookkeeping and accounting firm in Sydney’s Eastern Suburbs. We work with small and medium-sized businesses, and like most service firms, our biggest challenge isn’t the work itself — it’s managing the cash flow friction that comes with it.

When you’re small, you can absorb the ups and downs. But as you take on more clients, every delay, every reimbursement cycle, every upfront payment starts compounding. That was our reality.

The everyday friction of a services firm

Two things consistently dragged on our cash flow:

1. Internal costs. We rely on software subscriptions, training, and regular operational spend. These land unpredictably and can squeeze day-to-day cash flow if not timed right.

2. Client disbursements. Often we pay for client-specific tools or services upfront and wait weeks to be reimbursed. That gap hurts. It chips away at working capital and slows growth.

Scaling made this even tighter. If we wanted to hire or invest in better systems, we had to manage these cash dips carefully.

Why we moved to Cloudfloat

We needed a simple, reliable way to handle expenses without slowing the business. Cloudfloat fit that need immediately. Cloudfloat lets us:

• Pay professional expenses instantly. We can cover tools and services the moment we need them and keep work moving.

• Handle client disbursements without the cash hit. We pay upfront, Cloudfloat gives us breathing room, and we repay flexibly once clients reimburse us.

• Invest in growth with confidence. Access to capital lets us scale — new tech, new staff, more clients — without worrying about short-term cash pressure.

What changed

Cloudfloat didn’t just solve individual problems; it removed friction across the business. We now:

• Keep service delivery consistent because we’re never waiting on cash to buy what we need.

• Protect our working capital instead of draining it on supplier timing.

• Focus on growth instead of juggling reimbursement cycles.

It’s a simple tool, but it fundamentally changed how we operate. Cloudfloat gives us the financial flexibility we need to run the firm the way we want — and to keep growing.