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

Many small business owners have noted an increase in emotional distress from the pressures of meeting financial obligations.

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    83% of small businesses have experienced cash flow issues in the past year
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    27% of businesses find it difficult to pay their own bills on time
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    41% of small business have re-negotiated payment terms with suppliers
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    26% of small businesses use InvoiceNow to facilitate payments
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    31% of small businesses use accounting software to help manage cash flow
Read the Money matters report
An image of the Money matters report

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
A laptop showing an online invoice with a 'pay now' button, that helps business owners get paid faster.

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
A line graph in Xero shows short-term cash flow projections for the next 90 days.

Guides to help you manage business finances

Our expert guides explore how to maintain healthy cash flow and stay on top of your finances.

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.

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.

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

All pricing plans cover the accounting essentials, with room to grow.



SGD per month

Good for sole traders, new businesses, and the self-employed.



SGD per month

Good for growing small businesses.



SGD per month

Good for established businesses of all sizes.