Cash flow management for small businesses
Maintaining a healthy flow of cash in and out of your business is more important now than ever. Browse resources from Xero experts to see how to better manage your cash flow and get paid faster.
Money matters report: Facing up to small business cash flow concerns
The 2023 Money matters report shows that most Australian small businesses struggle with maintaining a healthy cash flow. See how Xero can help you better manage your cash flow.
- Many small businesses say cash flow stress impacts their emotional and physical health
- 60% of small businesses report cash flow issues in the past year
- 29% of business owners and managers check their cash flow position daily
- Bills not being paid on time was the top financial challenge faced by businesses in the last 12 months (36%)
- 30% of small businesses have set up an invoice payments service to help them manage their cash flow
- 38% of small businesses are using accounting software to help manage cash flow
Using Xero to manage your business finances
Xero can help you run your business efficiently, get paid promptly, and view up-to-date figures.
Send professional invoices
Send personalised online invoices from the desktop or app as soon as a job is done.
Sending invoicesGive customers more ways to pay
Add a ‘Pay now’ button to online invoices so you get paid faster and speed less time chasing late payments.
Accepting online paymentsTrack your bills and pay them on time
Learn about Xero features that help you track your bills and pay them on time to avoid late payment fees.
Tracking bills on the dashboard
Using Xero to manage cash flow
Xero helps you track, manage, forecast and improve cash flow so you have enough money on hand to cover debts and unlock business potential.
Plan for the future
Get cash flow forecasts for the next 30 days with Xero Analytics, and the next 90 days with Analytics Plus.
Get business insights and forecastsStay in control with cash flow forecasting
Measure business health with cash flow figures that help you spot opportunities and mitigate risk.
Get a snapshot of your short-term cash flowView a snapshot of your business financials
Know your numbers with a snapshot of your business financials so you can see what’s working and what’s not.
Get a business snapshot
Guides to help you manage business finances
Our expert guides explore how to maintain healthy cash flow and stay on top of your finances.
How to invoice
Looking for help on making and sending invoices and getting them paid? Check out these tips on the art of invoicing.
How to accept payments online
Customers that are offered convenient online payment methods pay invoices earlier. Here’s how to cash in on the trend.
Track small business cash flow without spreadsheets
Still tracking income and expenses on a spreadsheet? Here’s why you should make the switch to low-cost alternatives.
How to create a small business budget
Businesses need budgets. So how do you go about setting a business budget? What are the main things you need to put in?
How to finance your business
Need finance for your business? Learn about the types of finance, approaching lenders and investors and more.
Small business bookkeeping for beginners
Bookkeeping lets you know how your small business is doing. So what does it involve and how do you make it less boring?
Guides to managing cash flow
Our expert guides explore how to maintain a healthy cash flow so you can pay your suppliers, employees, lenders and owners on time.
How to manage your finances and cash flow
Your small business exists to make you money. And you can't do that unless you manage your finances and cash flow.
Cash flow forecasting for small businesses
To run a successful business, good cash flow management is crucial. Cash flow forecasting can help with that.
5 rules for managing small business cash flow
Cash flow management is vital for a growing business. Here are five rules to help you keep cash flow under control.
Online help: Track & predict cash flow in Xero
Find step-by- step instructions for tracking and predicting cashflow in these Xero Central help articles.
Track short-term cash flow and financial metrics
View predicted transactions on the short-term cash flow dashboard in Analytics Plus, and track financial metrics with a business snapshot.
Track your cash flowMake projections based on cash predictions using Analytics Plus Track financial metrics with a business snapshot
Managing when times are tough
Planning, managing and surviving through difficult times
Find out how to plan ahead, prepare and get through the tough times.
Get a free business continuity plan templateManaging debtProtecting business relationships in a crisisFinancial and business survival during a crisisRecession-proofing your businessFind an accountant or bookkeeper for help and advice
Glossary of terms
These definitions are for small business owners. Detailed definitions can be found in accounting textbooks or from accounting professionals.
Plans to suit your business
Starter
Usually $32
Now $16
AUD per month
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Standard
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Now $32.50
AUD per month
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AUD per month
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