Guides
Guides that answer the real questions
New guides every week — researched, written for Australian businesses, and honest about what lenders look at.
Cash calendarPaymentsProtect your cashSuppliersCash planning
Public Holidays and Cash Flow: 2026–27 Business Calendar
Every statewide public holiday from October 2026 to December 2027 and what each does to payroll, Payday Super, BAS dates and supplier payments.
1 October 2026
Christmas Close-Down Cash Plan for Small Business 2026
Closing over Christmas 2026? A week-by-week cash plan for payroll, Payday Super, suppliers and slow January receipts, so the break doesn't break the bank.
1 October 2026
PayID, Osko and Fast Payments: When Business Money Arrives
Why some business payments land in seconds and others take days: PayID, Osko, the NPP, bank transfers and ATO processing explained for owners with deadlines.
1 October 2026
Supplier Changed Bank Details? Check Before You Pay Tomorrow
A supplier emails new bank details with payment due tomorrow? A five-minute check that stops business email compromise scams draining your account.
1 October 2026
How to Ask a Supplier for More Time to Pay (With Scripts)
Need a few more days to pay a supplier? How to ask, what to offer, word-for-word scripts for calls and emails, and when asking beats borrowing — or doesn't.
1 October 2026
Ten-Day Cash Calendar: Spot Tomorrow's Shortfall Early
A simple ten-day rolling cash calendar that shows payroll, super, BAS and supplier pinch points a week ahead — so 'due tomorrow' stops being a surprise.
1 October 2026See what your business could qualify for
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