Cash flow · 5 min read
7 Cash Flow Tips Every Australian SME Should Know
Practical ways to keep cash flow healthy all year — from invoicing habits to using a line of credit as a buffer.
Key takeaways
- Invoice immediately and shorten payment terms.
- Forecast 13 weeks ahead.
- Set up a credit buffer before you need it.
Tighten your invoicing
Send invoices the day work is done, offer easy payment methods, and follow up at 7 days overdue.
Forecast 13 weeks ahead
A rolling 13-week forecast shows shortfalls early — while you still have options.
Plan for BAS and tax
Put GST and PAYG aside in a separate account each week so quarterly BAS never becomes a crisis.
Have a buffer in place
A business line of credit set up in good times gives you instant access to funds when a slow month hits.
General information only — not financial advice. Consider your circumstances and speak to a qualified adviser.