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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.
More guides are being added to this section, including business banking, supplier terms and managing growth.
Last reviewed 25 Sept 2026
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
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
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
Equipment and vehicles
The two most common ways Australian businesses finance equipment and vehicles differ mainly on ownership and tax treatment.
5 min read
Tell us about your business once. We will look at your whole situation and match you with lenders likely to approve and fund it.