Can You Afford to Hire? The Number That Actually Answers It
The 1–4 employee segment lost nearly 39,000 Australian businesses since 2021-22. The hire decision is the defining question in small business right now. Here is how to answer it.
Tag: cash flow
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Business Cash Flow in Australia: The 2026 Operator’s Guide
Australian small businesses are paid in 24.1 days on average, 6.9 days late. Payday Super just compressed the cycle further. Here is how to tell a cash problem from a profit problem, and fix each.
Why Australian Builders Go Under With a Full Order Book
Construction is the largest single contributor to Australian insolvencies. The cause is almost never a lack of work. It is fixed-price exposure meeting cash timing, and both got worse in 2026.
ATO Tax Debt Is Now One of the Most Expensive Loans in Australia
The general interest charge runs at around 10.96% a year, compounds daily, and stopped being tax-deductible on 1 July 2025. Australian small business owes $35.9 billion of it.
Payday Super: The $124,000 Working Capital Hole Nobody Budgeted For
Payday Super started 1 July 2026. Research puts the average Australian SME’s additional working capital requirement at over $124,000 — and 68% of businesses had made no preparation at all.