Top 5 Cash Flow Mistakes Small Businesses Make (and How to Avoid Them)
Table of Contents Introduction Overestimating Revenue and Underestimating Expenses Relying on Late Payments from Customers Neglecting Cash Flow Forecasting and Planning Tying Up Too Much Cash in Stock and Assets Not Having a Contingency Plan for Cash Flow Crunches Key Takeaways: Staying Ahead of Cash Flow Challenges Conclusion With a turbulent economy, it’s more […]
Comparing Invoice Finance Providers in Australia: What to Look For
In all aspects of running a business, it’s important to assess your needs in order to meet your goals. When growing a business, one of the most important factors to consider is cash flow. In regard to optimising cash flow, invoice financing is becoming increasingly popular as a way to bridge the gap between issuing […]
ATO Changes Are Coming: What Aussie Business Owners Need to Know Before 1 July
Big changes are on the horizon for Australian businesses in how they manage tax debt. From the 1st of July 2025, the Australian Taxation Office (ATO) will introduce a new rule that removes the tax deductibility of interest charges on payment plans. For thousands of business owners who rely on these plans to manage their […]
How to Use Invoice Factoring to Scale Your Business Operations
The Australian business landscape is dominated by small businesses that face resource limitations, restricting their ability to scale. In fact, 62.5% of all Australian businesses are non-employing, highlighting the vast majority of businesses that have limited resources. Fortunately, there is a solution – adopting modern financial strategies that provide businesses with the tools they need […]
Balancing Innovation and Compliance in Financial Services – Navigating Regulatory Challenges
Australia has long been recognised for its entrepreneurial spirit, particularly within the business and financial sectors. The country has become a hub for forward-thinking entrepreneurs and cutting-edge technologies. With innovation comes the need for compliance, as businesses must navigate evolving regulatory frameworks. In this blog, OptiPay explores how new technologies and solutions can adhere to […]
Why Invoice Finance is a Game Changer for Seasonal Businesses
Running a seasonal business comes with unique challenges – especially when it comes to managing cash flow. When your revenue fluctuates throughout the year, covering expenses like rent, wages, and supplier payments during quieter months can be difficult. While traditional bank loans might seem like a viable solution, they often come with rigid repayment terms […]
OptiPay Partners with SprintSuite to Deliver Seamless Cash Flow Solutions
At OptiPay, we’re committed to providing Australian businesses with smart, flexible, and debt-free funding solutions. That’s why we’re excited to announce our new partnership with SprintSuite, a leading business management platform for the maintenance and engineering industries. Together, we’re helping businesses streamline their operations and improve cash flow, ensuring they have the financial stability to […]
How to Leverage Flexible Financial Solutions to Achieve Financial Stability
Maintaining a healthy cashflow is a critical component of business success. In fact, without a healthy cashflow, business failure is highly likely. Why? Because businesses require liquidity to be agile in marketing initiatives as well as to cover operating expenses and employee salaries. The Australian market is only becoming more competitive, which is magnified through […]
How to Use Invoice Factoring to Scale Your Business Operations
As businesses experience increased demand, they must invest in initiatives that help them grow, such as hiring staff, increasing production, and expanding operations. However, investing in growth is often accompanied by cash flow constraints. Even the most profitable businesses can struggle with achieving positive cash flow, leaving them without the working capital they need. Traditionally, […]
What is the Difference Between Receivables Finance and Invoice Finance?
For many Australian SMEs, managing cash flow is one of the biggest challenges in day-to-day operations. Long payment terms, delayed customer invoices, and seasonal fluctuations lead to problematic cash flow gaps – making it difficult for businesses to cover operational expenses such as payroll, rent, and supplier payments. To bridge cash flow gaps, businesses often […]