Cash flow problems kill more businesses than lack of sales ever will. We help you forecast accurately, plug the leaks, and make sure there's always enough in the bank to pay your team, seize opportunities, and sleep at night.
You're not bad with money. You just don't have the systems or visibility to manage it properly. These are the warning signs.
Your P&L says you made $200k in profit. Your bank account is empty. The cash is tied up in unpaid invoices, excess inventory, or debt repayments — and you can't see where it's going.
You're making big financial decisions — hiring, buying equipment, investing in growth — based entirely on what the bank balance says today, without factoring in GST, PAYG, or upcoming supplier bills.
Plenty of cash in November, struggling to make payroll in January. Seasonal dips hit hard because there's no forecast, no reserves, and no plan to ride them out.
You're acting as a free bank for your clients. Invoices sit unpaid for 60, 90, even 120 days because nobody's chasing them systematically — and your cash flow pays the price.
We don't just tell you what happened. We build the systems and forecasts that show you what's coming — so you can plan for it, not react to it.
See exactly what your cash position will be in 3, 6, or 12 months. Factor in seasonal dips, tax obligations, large purchases, and growth investment — so you're never caught short.
We dig into your numbers to find where margin is leaking. By product, by service, by client, by channel — we show you what's actually making money and what's quietly costing you.
Stop being a free bank for your clients. We set up automated invoice reminders, track ageing debtors, and help you get paid faster — so cash hits your account on time, every time.
We help you build a cash buffer for quiet months and set aside funds for GST, PAYG, and income tax throughout the year. No more scrambling when the bills come due.
"We have been working with Ray and the fantastic team at BPAG for several years. It has truly been the best decision for our company. Their invaluable support has saved us a great deal of money and time."
"It's been wonderful working with the BPAG team! They are true experts and have provided incredibly valuable business advisory and tax services, helping my business grow."
"What an incredible team. I started using BPAG 3 years ago and they have been advising my business and myself in an extraordinary way. They are caring and listen to your needs."
We find the leaks, build the forecast, and put you back in control.
Free strategy call. We map your current cash flow, identify where money is getting stuck, and pinpoint the gaps between profit and actual cash.
A rolling cash flow forecast tailored to your business — factoring in seasonality, tax obligations, large purchases, and growth plans.
Debtor chasing systems, supplier payment scheduling, tax set-asides, and cash reserve strategies — all implemented and managed by us.
We watch your cash flow weekly. When conditions change — a big order, a seasonal dip, an unexpected cost — we adjust the forecast and keep you ahead of it.
Most business owners manage cash flow by checking their bank balance and crossing their fingers. There's a better way.
Let's have a conversation about where your business is heading and how we can help you get there.