As we approach the New SUPER PAY DAY REFORMS on the 1st July 2026, cash flow analytics is essential.

• Maintain Accurate Bookkeeping with weekly even daily records. Review monthly reports to provide real time visibility into you cash position enables better informed decision-making.

• Create cash flow forecast monthly includes all expected income and expenses giving you clear visibility to anticipate cash surplus or shortage identifying opportunities – Goals or cash flow shortage.

• Separate your business and personal finances to tract actual business profit. Personal mix of expenses presented in accounts is difficult to assess true company performance.

• Build a cash reserve covering 3 months, protect form unexpected costs & economic downturns. Commencing with 1 month of cash reserve if required. You can start with a smaller goal of 3 weeks, building the cash flow week by week.

How to improve cash flow

1. Set clear payment expectations for your customers. Firm but fair collection protects your cash flow without damaging customer relations. Commence using engagement letters outlining Payment terms and collection if not paid process.

2. Monitor accounts receivables weekly.

3. Follow up within 7 days overdue notices

4. Escalate collection efforts as invoices age beyond 30 days

To calculate your cash flow, start with your total cash inflows (all the payments coming into your bank account) and subtract your total cash outflows (all the payments leaving your bank account). This gives you your net cash flow – the amount of money your business gains or losses over a given period. Using cash flow projection software can help small business owners track and forecast these numbers, making it easier to manage finances and plan for the future.