WE ENABLE AUSTRALIAN SMES TO REDUCE THEIR CASH FLOW STRESS AND INCREASE THEIR PRODUCTIVITY
Does your business regularly experience stressful, growth-destroying cash flow crises? Do you seem to endlessly juggle bills while chasing customer payments?
The right Working Capital Strategy – one that’s delivered using the right tech-enabled financing tools – can transform your business and your stress levels.
“Martin helped our client unlock $180,000 in unpaid invoices – in just 48 hours!” – Accountant
WHAT INDUSTRIES DO WE WORK WITH?
We deliver smart Working Capital strategies and efficient Business Financing tools that fix cash flow gaps across a wide range of SMEs and industries, including:
- Builders and construction subcontractors
- Plumbers and electricians
- Manufacturers
- Importers
- Services businesses from safety to HR
- Retailers
- Engineering and mechanical businesses
- Wholesalers
- Medical
- Accountants and book keepers
- Labour hire providers
- (and more)
ARE YOU FACING QUESTIONS LIKE THESE REPEATEDLY?
How will we make payroll?
We have to pay our staff this Thursday – but our next customer payment isn’t even due for a fortnight.
We’re profitable – why do we keep having to putting more of our own money into the business to get by!
How will we buy the materials for our big new contract?
We should be over the moon with this great new job! But how on earth can we afford to start?
How we can we grow when our current customers are behind on their payments?
How can we help customers struggling to pay off tax debt?
They’re good customers – and their P&L proves how hard they’re working. But they keep missing ATO due dates.
What can we do to help our customers improve their cash flow (and get paid ourselves)?
How can we fund the new premises we need?
We’re bursting at the seams – we need a heap more space for our operations.
How can we invest in the tools and space to work efficiently when our cash flow is so erratic?
The bank said “NO” again – after weeks of waiting! How are we supposed to grow?
We’ve got a great balance sheet! We spent hours on their application forms! Our profits are growing year-on-year! They’re becoming building societies!
Why should we have to put our homes on the line to grow an already profitable business?
HOW CAN WE SOLVE SO MANY CASH FLOW PROBLEMS?
We CAN solve a wide range of cash flow problems – because most cash flow shortages have a few common causes. Most are a result of out-dated Working Capital strategies and the lack of practical, tech-enabled tools to turn that plan into effective business processes.
We work with Australian SMEs to understand the Working Capital issues behind their cash flow gaps – that way we can quickly unlock the cash that’s already in your business without big cost overheads.
TALK TO A WORKING
CAPITAL STRATEGIST
DOES YOUR BUSINESS HAVE A STRUCTURAL CASH GAP?
All the administrative best practice in the world can’t change the impact of “baked-in” industry credit terms with long payment periods – 30/60/90 days. Nor the need to buy your inputs months before you get paid by your customres.
If you’re still using outdated, 20th century Cash Flow Strategies – like secured bank mortgages – then you will regularly experience cash flow stress. Your problems will repeat and repeat – even if all your customers pay perfectly on time, every time.
How can you recognise the Cash Trap?
Long credit terms will still have you waiting weeks – and even months – for a big customer to pay a big invoice. During that time: payroll still has to be made, the ATO wants their due, and your suppliers have to be paid to buy materials for your next job.
Even good businesses that show excellent profits at the end of the financial year can operate in an environment of recurrent, stressful, productivity-killing periods of cash flow drought.
FUND YOUR BUSINESS FROM YOUR BALANCE SHEET – NOT YOUR PERSONAL ASSETS
Are you still funding your 21st century business using 20th century, big bank financing tools? You could be missing out on a range of business opportunities!
Most small businesses default to some fairly old-style forms of financing.
- They use personal assets to get a bank loan – from the bank that funds their personal mortgage.
- They supplement their big bank business loan with extras from “the bank of family and friends”.
- They top up their cash flow with high-cost loans and credit cards.
These strategies may be the ones that most SME operators know about – but they’re increasingly out-of-date in the third decade of the 21st century. They trap small businesses in a 20th century Cash Gap that increases operator stress and reduces business productivity.
IS YOUR BUSINESS STUCK IN A CASH TRAP?
Talk to us about how you can get back in the driver's seat
WHICH MODERN FINANCE PRODUCTS SHOULD YOU CHOOSE?
None!
If someone tells you over a drink that one specific product is “THE ANSWER” – smile politely!
No one can tell you the “right” product for your needs until AFTER they’ve done a Working Capital Analysis of how cash flows through your business AND given you a Working Capital Strategy that’s designed for your business (not your cousin’s brother’s wife’s SME).
You don’t need a 20-page document developed over weeks – but you do need a documented strategy based on your business, your goals, your customers and your industry.
Martin Cattach is an expert Working Capital Strategist
Over more than 15 years in the business finance field, Martin has analysed the finances of thousands of businesses.
He has decades of experience in the finance industry, in Information Technology – AND in small business. This means Martin can quickly guide you to select and implement the best finance solutions for their needs.
Martin will build you Working Capital Cash Flow plan that will take the financial stress out of your business operations.
He’ll then select the right Financing tools for your business, and help you implement them correctly.
