8 signs your business needs a cashflow health check

Cashflow issues don’t always shout. Sometimes they whisper—quiet little warning signs that get ignored until they become full-blown stress. And by then? It’s usually tax time, payroll week, or the ATO knocking on the door.

Whether your business is growing, plateauing or pivoting, a cashflow health check is one of the most powerful tools you can use to regain clarity and control.

Here are eight warning signs that your business might need one—stat.

1. You’re dipping into the tax account
   Using BAS, PAYG or super reserves to cover wages or supplier bills? That’s a sign your regular revenue and expense rhythm is out of balance. And it’s not a habit the ATO takes lightly.
2. You can’t pay yourself properly
   If you’re constantly “just drawing a bit here and there” instead of paying yourself consistently, your structure or pricing might be out of whack. Business owners deserve predictable income too.
3. Supplier payments are slipping
   Falling behind on paying suppliers is more than just a reputation risk—it’s usually a sign that expenses aren’t lining up with income, or that big client payments are lagging behind.
4. You’ve got a debt spiral
   Multiple credit cards, a bounce-back loan, ATO payment plans, equipment finance… it adds up. And fast. If repayments are stacking higher than your cash reserves, you’re losing margin to interest.
5. Clients are paying late
   Chronic late payments from customers kill momentum. Every slow invoice stretches your business thinner and limits your ability to invest, grow, or even just breathe.
6. BAS and super are always last-minute
   If you’re scrambling every quarter to pull together cash for BAS, or super is being paid days before (or after) deadline, the issue isn’t just timing—it’s visibility and planning.
7. You’re flying blind
   No 90-day forecast? No cashflow spreadsheet? No visibility over your future obligations? That’s like driving without headlights. You don’t want to find out there’s a cliff too late.
8. You’re losing sleep over money
   If cashflow is keeping you up at night, that stress is real—and it’s worth listening to. The solution usually starts with a simple conversation and a few smart fixes.
   
   

A health check gives you back control

We work with small and growing businesses every week to help them move from cashflow chaos to confidence. Let’s make your money work for your business—not the other way around.

👉 Want to get a handle on your cashflow? Book a meeting today.