Backups your business can actually restore
A backup only helps when it contains what you need and you can restore it after a lost device, mistake or cyber incident.
2 min read
Help Centre
Running a business
Day-to-day decisions shape your cash position more than any single loan. How you set payment terms, chase overdue invoices and pay for equipment all change how much cash you have on hand.
These guides cover the practical steps first: clear terms, a consistent collections process and the free help available through government services when a customer won't pay. Where finance is a sensible option, such as spreading the cost of equipment or funding slow-paying invoices, we explain how it works and what to compare.
Use the linked guides and worksheets to check whether pricing, payment dates, stock purchases and supplier terms are working together for your business.
Last reviewed 25 Sept 2026
Guides in this section
How do I know if a job is profitable?
A job can bring in cash and still earn too little after materials, labour, rework and the business costs shared across jobs.
2 min read
How to agree supplier payment terms that work
The cheapest supplier may not be the best fit if its payment date arrives long before customers pay you.
2 min read
Is one customer too important to your business?
A major customer can help a business grow, but relying on one relationship can leave sales, cash and staffing exposed.
2 min read
Set prices that cover your costs
A price must make sense to your customer and cover more than the direct cost of a job. Start with your costs, then test the market and review the result.
2 min read
Should I buy equipment with cash, a loan or a lease?
Paying cash avoids interest but uses working capital. A chattel mortgage lets you own the asset while you pay it off, and leases let you use it without owning it. Tax and GST treatment differ, so check with your accountant.
6 min read
What can I do when customers pay invoices late?
Start with clear payment terms, prompt and accurate invoices, and a set collection process. If a customer still won't pay, ASBFEO can help with disputes. Invoice finance is one option if slow payment is a regular timing gap.
5 min read
What does an employee really cost?
The wage is only one part of a hiring decision. Budget for applicable super, leave, insurance, equipment, training and the cash timing.
2 min read
What type of accountant or adviser does my business need?
A bookkeeper keeps your records, a registered BAS agent handles your BAS, a registered tax agent handles tax, and an accountant helps with the bigger financial picture. Titles like business accountant or CFO describe a role, so check the registration or membership behind the title.
9 min read
From our Learning Hub
Equipment and vehicles
Chattel mortgage vs finance lease: equipment and vehicle finance explained
The two most common ways Australian businesses finance equipment and vehicles differ mainly on ownership, tax treatment and what happens at the end.
8 min read