Business Finance Basics

Practical insights and real-world advice for Australian businesses navigating cash flow, budgeting, and financial planning. No jargon—just straightforward guidance you can actually use.

Understanding cash flow patterns in small business
Cash Flow 12 February 2025

When Your Cash Flow Doesn't Match Your Profit

You've probably seen it happen. The P&L says you're profitable, but your bank account tells a different story. This disconnect catches more business owners off guard than they'd like to admit.

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Recent Articles

Browse our latest thinking on financial management, planning, and growth strategies for Australian businesses.

Planning financial runway for business expansion
Planning 7 Feb 2025

Building Your Financial Runway

Most businesses underestimate how much buffer they need. Here's what I've learned about building a financial cushion that actually works when things get tight.

Callum Thorsen Callum Thorsen
Breaking down fixed versus variable costs
Budgeting 29 Jan 2025

Fixed vs. Variable: Why It Matters More Than You Think

Understanding your cost structure isn't just accounting homework. It changes how you make decisions when revenue drops or opportunities appear.

Callum Thorsen Callum Thorsen
Practical working capital management strategies
Working Capital 18 Jan 2025

Working Capital Isn't as Boring as It Sounds

The gap between when you pay suppliers and when customers pay you—that's where a lot of stress lives. But there are practical ways to manage it without obsessing over every invoice.

Callum Thorsen Callum Thorsen

What We Cover

Our articles focus on the financial topics that matter most to small and medium businesses across Australia. Real challenges, practical approaches.

Cash Flow

Managing the money coming in and going out—without constant anxiety.

Budgeting

Building budgets that actually help you make decisions, not just gather dust.

Growth Planning

Thinking through expansion without betting everything on a hunch.

Risk Management

Spotting financial risks before they become expensive problems.