Cash Flow Management

Managing cash flow is a critical component of every business and one that must be effective if it is to remain profitable after all, cashflow is the lifeblood of all businesses particularly start-ups and small enterprises.

There are always times of peaks and troughs and this will have a direct effect on revenue. The good news is that there is plenty of help for small businesses going through seasonal downturns and rough times.

Here’s 3 tips to manage cash flow for small business;

Plan and monitor cash flow
Monitoring cash flow when running a business is vitally important and, for this reason it would be wise to create a cash flow forecast which typically covers the next 12 months. This can be done with the help of an accountant.
It lists income and expenses including projected amounts which can be estimated. Fixed costs include things like rental, salaries and phone costs whereas projected amounts rely on the amount of sales. You should also include issues that may affect your cash flow such as quite periods and large expenses.
Track your cash flow each month, comparing it to your forecast and make adjustments as necessary.

Efficiency Improvements

  • Use an accounting system so you can easily keep track of cash flow
  • Make it easy for suppliers to pay you and have clear payment deadlines
  • Follow up outstanding payments quickly and keep onto it
  • Don’t forget to take time out for yourself too

Cash Flow Loans can help
Unsecured loans can help boost your cash flow if you need help to cover costs that are outstanding such as wages or paying invoices.
These loans can be approved in a short period of time and don’t need any assets like property for security either.


At Find Your Mortgage we have all the resources you need to make an informed decision plus, we offer a free credit report and a free financial assessment without listing anything on your credit file. Give us a call today on 1300 469 667 or visit, and find out how we can help you with property financing.




Disclaimer: Content is not intended to imply any recommendation about any financial product(s) or to constitute tax advice. If you need financial or tax advice you should consult a licensed financial or tax adviser. The information in the article is believed to be reliable at the time of distribution, but neither Bird and Young nor its accredited brokers warrant its completeness or accuracy. For information about whether a non-bank loan may be suitable for you, call us on 1300 469 667