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How to Manage Your Bookkeeping Like a Pro

Running your own business comes with many moving parts; one that can’t be ignored is bookkeeping. Unless ...

The Importance of Follow-Ups in a Successful Sales Cycle

Sales are revenue-generating transactions that help establish businesses financially. It’s one of the most ...

Cash Flow Tips For Recruiters

We all know that the recruitment process can be slow-moving at times. It makes things even harder when you’re ...

How Your Business Can Manage The Minimum Wage Increase

What does the minimum wage increase mean for your business and how can you survive it? From 1 July 2021, the ...

Tips to Make a Professional-Looking Invoice

They may seem like just a formality in the business world, but with invoicing, the little details can make a ...

How to Get Your Invoice Financing Application Approved

Are you looking for invoice finance but are unsure what it takes to get you across the approval line? Not ...

Navigating Your Business Through COVID-19 Lockdowns and Restrictions

With COVID-19 restrictions and lockdowns continuing to batter small businesses, the NSW Government have ...

What Is Sale-Back Finance, & How It can Work for Your Business

What if we told you that you can turn the equity in your existing business assets to cash! Sale-back finance ...

Have You Considered Pre-Owned Equipment for Your Next Asset Purchase?

Why does something new for your business need to be brand spanking new? We explore why sourcing used ...

Chase Overdue Invoices or Push Them into the Next Financial Year?

With the end of the financial year quickly approaching, you might be trying to chase up unpaid invoices ...

5 Ways to Reduce Tax Bill for Australian Businesses

According to Benjamin Franklin, there are only two things certain in life; death and taxes. While it’s ...

How to differentiate revenue and profit

Understanding the financial basics of how to differentiate your business’s revenue from its profit. Every ...

Boost your cash flow to pay off some debt

Find out how a debtor financing facility could help you pay off your ATO debt and boost your business's cash ...

Finance for Every Stage of the Business Lifecycle

Like so many other business owners, you may be guilty of referring to your business as your baby. Just like ...

EOFY and making the most of the instant asset tax write-offs

How the instant asset tax write-off could benefit your business. As the end of another financial year ...

How much liquidity does my business need?

You know that saying money makes the world go ‘round? It may not be entirely true, but if you’re a business ...

How trade finance can help you increase revenue

Understanding trade finance and how it can help your business to make more sales and save money. In a time of ...

Business Finance Fundamentals 101: A Visual Guide

Any business venture, regardless of size, starts and ends with finance. The financial aspect of doing ...

What is the Right Amount of Debt for Your Business?

Finding the right amount of debt for your business can be a daunting task. While it can provide significant ...

What is asset-based finance?

Understanding asset-based finance and how it differs from real-estate secured, and unsecured business ...

How to perfect your business bookkeeping in 2021

Our top tips for getting all of your financial records in order this year.  Every diligent business owner ...

7 tips for selling your business

How to prepare your business for sale to help you to get the best price possible. Deciding to sell one's ...

Map out your business’ return to office work post-pandemic

How best to plan out your employees work-from-home/office balance moving forwards. As Australia’s COVID-19 ...

How invoice finance and trade finance work together

How you can close your cash flow gap by combining invoice financing and trade finance. When assessing your ...

The Benefits of Equipment Finance

Equipment finance is a useful business tool - but what are the benefits? Purchasing new equipment for your ...

Supporting Aussie businesses with the finance they need to grow.

Earlypay is supporting Aussie businesses as they bounce back after the COVID pandemic.

5 effective ways to manage your raw materials

How purchasers of raw materials can best manage their stock, and keep the production process running ...

How trade finance helps your supply chain management

Could a trade financing arrangement benefit your business’ supply chain? If your business imports products ...

8 Business Trends You Should Watch Out For in 2021

Every entrepreneur dreams of being successful.  But while you may not enter into your business ventures with ...

6 ways to improve your cash flow with equipment finance

Maintain your business' positive cash flow by opting for a loan for your new equipment. Growing your business ...

JobKeeper is ending: How to assess and manage your workforce

Managing the transition away from JobKeeper Reducing your workforce is never an easy decision, especially ...

The State of Infrastructure in Australia in 2021

When the pandemic was announced, the world took an abrupt pause and was sent into a tailspin, with numerous ...

How supply chain finance differs from invoice finance

How is supply chain finance (aka reverse factoring) different from invoice finance? Supply chain finance, ...

Invoice Factoring: 6 key things to know

What to know about factoring your outstanding invoices with a third-party provider. Any business, big or ...

How your business can benefit from debtor finance

Why a debtor financing arrangement could be the best solution for your business. Business owners naturally ...

The How & Why of State Government Tenders

Understanding where to start when tendering for Government work in Australia. Our previous post highlighted ...

What Does Successful Leadership in Business Look Like

Many people tend to think that managers and leaders are the same. While both roles may share some ...

It’s official - Earlypay really is supporting Aussie SMEs of all shapes and sizes!

It’s official - Earlypay really is supporting Aussie SMEs of all shapes and sizes! Within a couple of days, ...

Driving to success - A NSW Transport business case study

Landing that big contract you’ve been dreaming of is the best feeling. However, if your business isn’t ready, ...

How to measure Solvency, Profitability, and Efficiency for your business

Everything you need to know about measuring the financial health of your business. So far we’ve touched on ...

How to choose an invoice financing provider for your business

A guide to invoice financing, and how to choose the right provider for your business. A critical part of ...

Why understanding your business' Cash Conversion Cycle is essential

Find out what the Cash Conversion Cycle is, and why it’s so relevant for every business owner. The Cash ...

How SMEs can benefit from local council infrastructure spending

How civil construction spending by local councils benefits SMEs directly. In our last blog post we discussed ...

The Importance of Customer Centricity and Its Business Effects

Everyone knows the famous line, "The customer is always right." As a business owner, this adage should be ...

7 ways invoice factoring can boost productivity

Find out how invoice factoring can boost your business' productivity .  Having money you're owed tied up in ...

The Aussie Government Infrastructure Program means opportunity for SMEs

What the Aussie Government Infrastructure Program is and how it can help your business grow. No one needs a ...

The Secret to Making Your Ecommerce Business Stand Out

Consistent new advancements within the world of ecommerce have paved the way for businesses to achieve easy ...

5 ways to prepare for the end of JobKeeper payments

Our small business guide to surviving the end of JobKeeper payments. As most business owners will be aware, ...

How Millennials and Gen Z Are Reshaping the Business Landscape of Tomorrow

As the younger generations get older, it’s expected that they’ll take over almost every aspect of adult life: ...

How due diligence on your debtors can protect your business cash flow.

Learn how due diligence on your customers can help you manage your business cash flow. It’s not uncommon for ...

3 metrics for measuring the business value of customer experience

Customers are the lifeblood of any business. Find out how improving your customer experience can help your ...

How pricing can make or break your business

Find out the best methods for setting the right prices for your products or services.  It’s no secret that ...

How to separate your personal and business finances

Keeping your business and your personal finances separate can be difficult at times, but it’s an important ...

How competition affects your business decisions

Learn how rival businesses can help you to make good decisions in business. Business owners sometimes fear ...

Managing your accounts receivable in 2021 - Part 2

As we discussed in part-one, while delayed payment on accounts payable is often accepted among the business ...

Managing your accounts receivable in 2021 - Part 1

Managing working capital and ensuring that you have access to cash when you need it is a critical part of ...

01.01 Sale Phenomenon: 4 must-know facts for entrepreneurs

Getting your business ready for the January sales. As many business owners come to the end of a challenging ...

Prepare for 2021 - A To Do list for small businesses (Part 2)

The second instalment in our guide to ensuring that your business is ready for the new year. We’re picking up ...

5 Australian local businesses booming through the pandemic

Which Aussie businesses have not only taken COVID-19 in their stride, but are actually doing better than they ...

3 key factors behind the rise of debtor finance in Australia

Why debtor finance is becoming increasingly popular in Australia. The use of Debtor Finance in Australian is ...

Prepare for 2021 - A To Do list for small businesses (Part 1)

While many of us may be relieved to see the back of 2020, there’s still some organising to do before we ...

Government support for SMEs is gone sooner than you think

Australia’s JobKeeper programme has paid out $70 billion to more than 900,000 business supporting more than ...

How can transport and logistics businesses cut costs?

From getting the basics right to making the bigger changes, we help you to work out the best ways to cut down ...

How to manage cash flow in Agriculture

Find out the best ways to keep a positive cash flow if you’re in the agriculture business. Agriculture is a ...

Boost your business with instant asset write-offs

Instant asset tax write-offs can benefit your business. A positive cash flow within your business is ...

What Australia can learn from Debtor Finance in the UK

Why is debtor financing in the UK so successful? And what can we learn from it? Debtor finance, often also ...

Studies Define the Anatomy of a Successful Entrepreneur

Every business owner gets first-time jitters. You may be unsure about your business model, or not feel ...

6 reasons why your business loan application was rejected

Understanding why you were denied finance can prevent it from happening again in the future. Accessing ...

The importance of upgrading business technology

Why it's crucial to make sure you’re up-to-date with the latest tech.

Introducing Earlypay

We’re pleased to announce that Cashflow Finance and Classic Funding Group have rebranded to Earlypay, with ...

Existential Crises in Business and How Your Business Can Survive One

Perhaps any business will encounter ups and downs throughout its existence. From the thrill of launching and ...

4 ways to finance your business during a crisis

Don’t let an economic downturn stop you from finding the finance your business needs to flourish.  It’s been ...

The Art of Negotiation: A Guide to Closing Business Deals

Merriam-Webster dictionary defines art as "something that is created with imagination and skill, and that is ...

9 KPIs for understanding your business’ financial health

These 9 KPIs can be integral to your business’ growth - here’s how to make sure you’re doing it right. Key ...

How to avoid these 5 unforeseen financial pitfalls

Protect your small business’ financial future long term by avoiding these common pitfalls. Many up-and-coming ...

Understanding debt capitalisation and leverage

A guide to debt capitalisation and leverage, and the ways in which it can benefit your business Not all debt ...

8 Principles of financial management for your business

The best ways to manage your business' finances and stay ahead of the game Small business owners around ...

5 Effects location has on your business’ finances

When starting a business, it’s important to get the location as perfect as possible, and here’s why.  When it ...

3 Finance tools every Australian business should have

A guide to some of the best finance tools on the market, and how they can help your business.  Operating a ...

How small businesses can compete with industry giants

The 5 best tips to help your business to keep up with the competition.  2020 has been a challenging year for ...

Maintaining a healthy cash flow during off-season

How seasonal businesses can keep a positive cash flow during the off-season. Being a seasonal business owner ...

An Instant Asset Write-Off guide for businesses

The Australian government has extended the Instant Asset Write-off scheme. It now applies to all businesses ...

4 Financial challenges businesses face today

Understanding the main challenges businesses are facing today, and how to address them. No business can ...

How to protect your business’ finances in times of crisis

Protecting your small business is a crucial role you play as a small business owner, and there’s never been a ...

How to effectively scale your business

Your guide to the best ways to scale your business, without breaking the bank. Have you established a ...

Bad financial habits that are hurting your business

We all have our bad habits, but which of yours are stopping your business from meeting its full potential? ...

JobKeeper Scheme Guide for business owners

The Federal Government introduced the first phase of the JobKeeper Scheme on 8th April 2020. The Government ...

8 Invoice Financing Myths Debunked

We look at the truth behind common myths about invoice financing. One of the hardest parts about running your ...

Improving your Ecommerce business’ cash flow

Are you an Ecommerce business owner? Understand the 5 ways that invoice financing can improve your business’ ...

5 signs your business is ready for expansion

The 5 best indicators that your business is achieving the necessary goals to be prepared to expand.  Good ...

Farewell Skippr. Hello Earlypay!

Our new name celebrates the coming together of Skippr and CML Group and highlights our unified mission to ...

How to save your business money in 2020

The best ways to save your business cash and improve your cash flow. For small business owners operating in ...

3 tips to support the mental health of business owners

Research has revealed that small-business owners are struggling with coronavirus-induced stress and anxiety, ...

Government coronavirus support scheme updates

What you need to know about the recent changes to JobKeeper Payments and other government economic support ...

Cloud accounting and the Xero App Marketplace helps business finance

A guide to how the Xero App Marketplace is helping Australian businesses get finance.  The Xero App ...

COVID-19 : Resources and support for your small business

  The COVID-19 outbreak is impacting businesses globally in many ways including temporary business closures, ...

Being productive in various environments

Across Australia, with the exception of Melbourne, many businesses are opening their offices back up again ...

How much debt should an SME have?

Debt is a great tool for business growth. But how does it work, how much should you have, and what type ...

Case study | Helping to limit the spread of coronavirus

Cashflow solution for a Commercial Cleaning business Whilst many SMEs have been struggling through the ...

Why you should consider refinancing your invoice finance facility

Everything you need to know about why you should be refinancing, and how to do it. If you're pulling your ...

Why improving your working capital position is so important

Why it’s more important than ever to improve your working capital position, and the best ways to go about it. ...

4 reasons to make the switch to cloud accounting in 2020

How moving to the cloud could benefit your business and save you money.  Cloud accounting software is a fast ...

5 tips to becoming a successful SME business owner

Find out the best ways to navigate the current economy and make your business better than ever before. Have ...

4 quick financing options to support your business’ cash flow

Finding cashflow finance doesn’t have to be a lengthy process - find out your quick fix financing options ...

Is Asset Based Finance right for my business?

Find out if an asset based loan is the answer to your business’ cash flow issues The economy in Australia is ...

Practical ways you can improve your cash flow right now

5 insightful tips for ensuring your business’ cash flow stays healthy Consistently looking at methods of ...

Raising the Funds: Debt vs Equity Financing

The key differences between Debt Financing and Equity Financing  Owning and running a small business is an ...

5 top tips to stay afloat in 2020

Keeping your business solvent now and in the post COVID-19 economy It’s no secret that for many businesses, ...

Employee absence and the effect on your cash flow

How COVID-19 is transforming the future of business

With working from home the new normal, what does the future have in store for businesses? And is the forecast ...

Understanding working capital - everything you need to know

What is working capital, why it's important to your business and how to improve it. Are you looking to keep ...

Can non-bank lenders save SMEs amid the coronavirus crisis?

With a lack of confidence in traditional banks mounting, could the non-bank lenders help Aussie businesses to ...

A comprehensive guide to equipment finance

Your guide to the different forms of equipment finance and how they could benefit your business. Equipment ...

What is invoice factoring and how does it work?

Everything you need to know about invoice factoring and whether it’s right for your business Invoice finance ...

How to support your business’ cash flow during COVID-19

5 helpful ways to maintain cash flow for small businesses during the coronavirus pandemic Cash flow for ...

How invoice factoring aids the financial effects of COVID-19

Understanding how an invoice factoring facility can be beneficial for mitigating the negative impact of the ...

What is invoice discounting and how does it work?

Understanding invoice discounting, how it differs from invoice factoring, and whether it’s right for your ...

The risk of high customer concentration for Australian small businesses

Winning a big new customer is exciting and has many obvious benefits for a small business. But an ...

How Australians can support local small businesses during COVID-19 outbreak

 

What is Debtor Finance and how does it work?

Everything you need to know about debtor finance and how it could benefit your business. Typically, the ...

Business Finance with the Xero App Marketplace

More and more Australian small businesses are sold on the benefits of cloud accounting software and are ...

What is invoice finance and how does it work?

You may have heard of invoice finance and how it can be a great option for businesses looking for some extra ...

Invoice Finance and Cloud Accounting: A match made in heaven.

The use of online accounting software by small businesses is skyrocketing. On 30 September 2020, Xero had ...

Prepare for 2020 - A Year-End To Do List for Small Businesses (Part 2)

We’re picking up from where we left off in Part 1 of this series. Here are some more ideas on how to best ...

Prepare for 2020 - A Year-End To Do List for Small Businesses (Part 1)

The end of 2019 is almost here but before starting to wind down too much, it’s worth putting some thought ...

The Rise of Non-Bank Lending (Part Three)

Conditions have never been more favourable for FinTech businesses to challenge the incumbent financial ...

The Rise of Non-Bank Lending (Part Two)

According to a study conducted by Deloitte, 200,000 Australian SMEs leaders have difficulty accessing capital ...

The Rise of Non-Bank Lending (Part One)

Running a business isn’t easy. It’s all consuming, ever-changing and with the wave of digitisation, means ...

Invoice Finance vs Business Loans

Managing cash flow is an ongoing task for any business owner and can be challenging at times. Cash flow ...

Client stories: Talent Crowd powers up with Earlypay

Akansh Prasai, Director of Talent Crowd, has always had a deep passion for technology. As a curious child, ...

How late payments are stunting small business growth

The timely payment of income from our employers keeps us going; it helps to pay for our day-to-day expenses – ...

Mastering your business cash flow

You could say that mastering the art of business cash flow can be compared to mastering the art of balance ...

Client stories: Mandylights scales with invoice finance

Kate Chalker is the type of person you want in charge of a growing business. Intelligent, enthusiastic, and ...

What do successful small business owners have in common?

According to the Australian Bureau of Statistics, more than 60% of small businesses cease operating within ...

The 4 most important financial reports for business owners

If you’re like a lot of small business owners, you probably find financial reporting reasonably daunting. ...

8 strategies to avoid unpaid invoices

Unpaid invoices can make life as a small business owner tough. It’s particularly frustrating when you’ve had ...

EOFY checklist for small business owners

Whether you’re new to running your business or have been your own boss for years, the end of the financial ...

All about accounts receivable – and why you should consider selling yours

Accounts receivable is the lifeblood of most small businesses. Collecting payment for products or services ...

9 ways to improve your business’s profit margin

If you’re looking to improve your business’s profitability, exploring options to increase sales is a common ...

9 tips for managing your small business’s cash flow

Managing cash flow is one of the toughest parts of being a small business owner. Between ongoing operational ...

The best alternative funding options for small business in 2019

Against the backdrop of our declining property market, the banking royal commission and talk of the Reserve ...

Financing and Non-financing solutions for cash flow problems

Whatever phase your business is in, it’s easy to run into cash flow challenges. A new calendar year can be a ...

Working capital options for your small business

Working capital is the amount of cash your business has after factoring in your short-term debts. It’s a good ...

6 reasons to move to cloud accounting

Cloud computing has become increasingly popular with small business owners across Australia and the world. ...

How access to funding is limiting business growth

Access to capital is the most significant pain point or perceived threat to their long-term growth ...

How to succeed at each stage of business growth ?

Every successful small business inevitably goes through the same four stages of the business lifecycle – ...

6 common causes of cash flow problems

According to statistics from the Australian Securities and Investments Commission (ASIC), the percentage of ...

4 ways growing businesses can source working capital

Is limited access to working capital holding you back from achieving the growth aspirations you have for your ...

Expanding with Confidential Invoice Discounting

Earlypay is pleased to announce the launch of our new Confidential Invoice Discounting product. Our factoring ...

How to maintain a steady cash flow this holiday season

“It’s the most wonderful time of the year,” claims the well-known Christmas tune. And while the end of the ...

4 Ways to get working capital for your business

What is Trade Credit Insurance?

How to protect your business against bad debts. Any business that offers credit terms on the goods and ...

6 debt collection tips for small business owners

Managing cash flow is one of the biggest challenges for many small businesses, and few things are more ...

Finding the best business finance solution for your business

There are many different options when it comes to funding your small business. SMBs access lending for a ...

How well do your debtors perform?

Most businesses have formal accounts receivable policies that dictate when to bill, how much to bill and when ...

Small Business, Big Opportunity

Despite the adage that a high percentage of small businesses fail in the first year, recent data shows that ...

How to minimise the cash flow gap?

The concept of a cash flow gap is very real to many Australian small businesses. In our last article, we ...

How to calculate cash in my business - (What is cash flow - Part 2 of 3)

Having a positive cash flow is critical for the long term financial sustainability of your business. Yet many ...

What is Cashflow – Part 1 of 3

What is Cashflow – and Why Is It Important to Your Business? Cash flow is the money that is moving in and out ...

ASIC Forces Big Banks To Make Small Business Loan Contracts Fair

In news set to shake up small to medium business, the big four banks will implement small business loan ...

6 key tips to improve cashflow

6 key tips to improve cashflow Organise your books When your books are disorganized, you don’t know how much ...

Business Owners: Get into These Habits This Year

How are you feeling about the New Year and your approach to business? It might be a little late to make New ...

Why Cashflow is Key to Your Business Success

Why do so many businesses fail in the early years? You might be surprised to learn that it’s cashflow ...

How Outsourcing Your Accounts Receivable Benefits Your Business

As a business owner, you know that any strategy that allows you to save time, money and stress is worth it. ...

Six Cashflow New Year’s Resolutions to make in 2018

What does the end of the year mean for your business? Some business owners are winding down, looking forward ...

How do I generate more cash in my business?

Having a healthy cash flow in business is incredibly important, especially for small to medium businesses. ...

Why your SME should beware cyberthreats this Christmas

 

Investing in the future can help your manufacturing business

 

Why you need invoice finance to invest in new technology

 

Tough Christmas period expected for Australian businesses

How can you make your start-up a top performer in Australia?

 

The overwhelming impact of late payments on Australian SMEs

 

Not-so-annual leave: How massive annual leave balances impact your cashflow

 

Why alternative financing offers the best cashflow solutions

 

How your business can encourage prompt invoice payments

 

Why invoice finance is the key to a healthy business mentality

 

Is it time to upgrade your manufacturing equipment?

 

Ashes to ashes: How phoenix activity harms Australian SMEs

 

What Single Touch Payroll means for your SME

 

3 ways to maintain cashflow in the labour hire industry

How does your performance compare to your cashflow?

 

Minimising mistakes and managing the payroll effectively

 

Having access to debtor finance helps smooth out cashflow issues

 

Building a more sustainable business in the wholesaling industry

 

Setting clear invoice terms and getting paid on time

 

Which equipment finance option is right for me?

 

How will you choose a strategy for funding your startup?

 

5 basic tips for understanding equipment finance

 

As Amazon mobilises in Australia, how will SMEs respond?

 

One easy way for directors to protect their personal assets

 

How to deal with big businesses as an SME

 

How can your business break into an overseas market?

 

Advice for transport businesses from the Aurizon financial impairments

 

How can you ensure your company doesn't fall into disrepute?

 

What to do when your business is drowning in unpaid invoices

 

Balancing the books is essential for maintaining a healthy business

 

Improve your manufacturing business by investing in robotics

 

What do Australian business leaders say about running a successful SME?

 

Are you ready for EOFY changes in 2017?

 

Then and now: How will SMEs perform in 2017-18?

 

5 Australian local businesses booming through the pandemic

Which Aussie businesses have not only taken COVID-19 in their stride, but are actually doing better than they ...

Not-so-annual leave: How massive annual leave balances impact your cashflow

 

Introducing Earlypay

We’re pleased to announce that Cashflow Finance and Classic Funding Group have rebranded to Earlypay, with ...

How do Australian small businesses help the economy?

You've probably heard a lot about just how valuable small businesses are for the Australian economy, and with ...

6 common causes of cash flow problems

According to statistics from the Australian Securities and Investments Commission (ASIC), the percentage of ...

How to encourage your customers to pay on time

   How do you encourage your customers to pay up on time?

Studies Define the Anatomy of a Successful Entrepreneur

Every business owner gets first-time jitters. You may be unsure about your business model, or not feel ...

The 4 roles you need in your business support team

No business owner can be successful without a wealth of supporters who provide the guidance they need to grow ...

The importance of upgrading business technology

Why it's crucial to make sure you’re up-to-date with the latest tech.