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How to manage debt

Debt can be a useful tool to start and grow your business. But what can you do if that debt starts to become a problem?

A small business owner checking their accounts on a mobile phone

Download the guide to managing debt

Learn how your small business can manage debt. Fill out the form to receive this guide as a PDF.

Flexible features made for your business

  • Bank reconciliation

    Keep your account balances and financials up to date. Easily confirm that the transactions in your bank accounts are recorded in your business financial records with Xero’s bank reconciliation software.

  • Online invoicing

    Work smarter, not harder with Xero’s intuitive invoicing software. With Xero online accounting, you can send invoices, automate reminders and so much more from the comfort of your desktop or mobile app. Finish your invoice admin at a time that works for you and your small business.

  • GST returns

    No more poring over spreadsheets! Xero automatically records GST on each transaction and includes it on the BAS, ready for you to review. And once you’ve reviewed the numbers, you can lodge your BAS online with the ATO securely, directly from Xero.

Plans to suit your business

Ignite

Usually $35

Now $7

AUD per month

Save $84 over 3 months

An easy financial foundation - track cash flow with the essentials.

Grow

Usually $75

Now $15

AUD per month

Save $180 over 3 months

Go beyond the basics - automate tasks and access performance dashboards.

Comprehensive

Usually $100

Now $20

AUD per month

Save $240 over 3 months

Optimise profitability - tailor your insights for greater control.

Usually $130

Now $26

AUD per month

Save $312 over 3 months

Future proof your scaling business - with advanced tools and analytics.

Start using Xero for free

Access Xero features for 30 days, then decide which plan best suits your business.

Cloud-based accounting software for a healthy business. Start using Xero for free