Guides
Guides for running a business with uneven cash flow
These guides tackle the questions Australian business owners ask before they look for funding: how to plan a seasonal year, when BAS, PAYG and super are due, how to get paid sooner and how to use credit sensibly. Each one is written by the Capital On Call editorial team from current ATO, ABS, Tourism Research Australia and business.gov.au sources.
Credit fundamentals
How a business line of credit works: limits, draws and repayments
6 min readA plain-English guide for Australian businesses: how a line of credit limit is set, how draws, repayments and redraws work, and when it's the right tool.
Using business credit responsibly
5 min readA practical checklist for Australian business owners: when borrowing makes sense, how to size it, planning repayment and exit, and the warning signs to watch.
Preparing for a funding conversation: what lenders look at
5 min readWhat Australian lenders look at for business lines of credit and loans — bank statements, turnover, ATO position, credit and property — and how to prepare.
Property-secured business loans explained
6 min readHow property-secured business loans work in Australia: first and second mortgages, first-lender consent, caveats, supporting parties, common uses and exits.
Cash flow
How to build a seasonal cash flow plan
5 min readA step-by-step guide for Australian seasonal businesses: map 12 months of cash in and out, place BAS and super dates, find your low point and size the gap.
How to smooth lumpy revenue in a small business
5 min readPractical ways for Australian businesses to even out project-based or seasonal income: deposits, progress claims, retainers, tax discipline and a backstop.
Building a cash buffer: how much is enough, and how to get there
5 min readHow Australian small businesses can size a cash buffer, build it from their own receipts, keep it separate from tax money and pair it with standby credit.
The EOFY cash flow checklist: 30 June and the weeks either side
5 min readAn EOFY checklist for Australian businesses: super timing under Payday Super, stocktake, prepayments, bad debts, asset purchases and July–August due dates.
Working capital
The working capital cycle explained: how to measure your cash gap
5 min readHow to calculate your working capital cycle from stock, debtor and creditor days, what it says about your cash needs, and how to shorten it in your business.
How to negotiate better supplier terms
5 min readScripts and tactics for Australian businesses to negotiate longer payment terms, seasonal terms, staged payments and early-payment discounts with suppliers.
Getting paid
Debtor days and payment claims: how to get paid faster in Australia
6 min readMeasure and cut your debtor days, plus how payment claims and payment schedules work under the NSW, Queensland, Victorian and WA Security of Payment Acts.
Retention money for subcontractors: how the rules work in each state
5 min readWhat Australian subcontractors need to know about retention money: Queensland retention trusts, NSW's trust account scheme, WA and Victoria, and cash flow planning.
Tax timing
GST and BAS timing: how your settings change your cash flow
5 min readHow BAS reporting cycles, due dates and cash vs accruals GST accounting affect Australian business cash flow, with practical settings for seasonal businesses.
PAYG instalments for seasonal businesses
5 min readHow PAYG instalments work for Australian seasonal businesses: who pays, the amount and rate options, due dates, varying instalments and planning the cash.
Payday Super: what it changes for your cash flow
5 min readSince 1 July 2026, super must reach the fund within 7 business days of payday. How Payday Super changes employer cash flow, and how to plan for it.
Industry data
Australian tourism seasonality: what the data says
5 min readSourced 2025–2026 ABS and Tourism Research Australia figures on visitor arrivals, domestic trips and tourism spend, and how to use them for cash flow.
The horticulture harvest cash cycle: when the money actually arrives
5 min readWhen Australian growers get paid for wine grapes, citrus, mangoes and avocados, how long the gap from spending to payment runs, and how to plan cash for it.
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