Money matters report: Facing up to small business cash flow concerns
The 2023 Money matters report shows that most New Zealand 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
- 55% of small businesses report cash flow issues in the past year
- 37% of business owners and managers check their cash flow position daily
- Limited or inconsistent cash flow was the top financial challenge faced by businesses in the last 12 months (41%)
- 18% of small businesses have set up an invoice payments service to help them manage their cash flow
- 45% 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 invoices
Give 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 payments
Track 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 forecasts
Stay 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 flow
View 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.
Looking for help on making and sending invoices and getting them paid? Check out these tips on the art of invoicing.
Customers that are offered convenient online payment methods pay invoices earlier. Here’s how to cash in on the trend.
Still tracking income and expenses on a spreadsheet? Here’s why you should make the switch to low-cost alternatives.
Businesses need budgets. So how do you go about setting a business budget? What are the main things you need to put in?
Need finance for your business? Learn about the types of finance, approaching lenders and investors and more.
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.
Your small business exists to make you money. And you can't do that unless you manage your finances and cash flow.
To run a successful business, good cash flow management is crucial. Cash flow forecasting can help with that.
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 cash flow 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
Plans to suit your business
All pricing plans cover the accounting essentials, with room to grow.
NZD per month
Good for sole traders, new businesses, and the self-employed.
NZD per month
Good for growing small businesses.
NZD per month
Good for established businesses of all sizes.
NZD per month
Good for larger employers and more complex small businesses.