Enter your details below
| Item | Monthly | Annual |
|---|---|---|
| Revenue | $0.00 | $0.00 |
| COGS | $0.00 | $0.00 |
| Gross Profit | $0.00 | $0.00 |
| Operating Expenses | $0.00 | $0.00 |
| EBITDA | $0.00 | $0.00 |
| Existing Loan Repayment | $0.00 | $0.00 |
| New Loan Repayment | $0.00 | $0.00 |
| Cash Surplus/(Deficit) | $0.00 | $0.00 |
Important Disclaimer & Assumptions
Assumptions: Based on the figures you provide. Actual cash flow can vary significantly month-to-month. Does not account for seasonal fluctuations, bad debts, GST timing, or unexpected expenses.
General Disclaimer: This calculator is provided by McNaughton Family Co Pty Ltd ATF McNaughton Family Trust, trading as Mortgage & Finance Advisory (Credit Representative 575841, authorised under Connective Credit Services Pty Ltd, Australian Credit Licence 389328) for illustrative and educational purposes only. Results are estimates based on the information you provide and the assumptions listed above. They do not constitute financial advice, a loan offer, or a guarantee of any outcome.
Actual loan terms, interest rates, fees, government charges, and eligibility criteria will vary between lenders and depend on your individual circumstances. Interest rates used are for comparison purposes only and may not reflect current market rates.
We recommend seeking independent financial, legal, and tax advice before making any financial decisions. For personalised advice tailored to your situation, please book a free strategy call with our team.
© 2026 McNaughton Family Co Pty Ltd ATF McNaughton Family Trust, trading as Mortgage & Finance Advisory. All rights reserved. ABN: 90 732 203 952 | Credit Representative 575841 | Australian Credit Licence: 389328 (Connective Credit Services Pty Ltd)
Cash flow is the lifeblood of any business. Profitable businesses can still fail if they run out of cash. Managing cash flow means ensuring you have enough money to pay suppliers, staff, and bills on time while investing in growth opportunities.
Key strategies include invoicing promptly and following up on late payments, negotiating better payment terms with suppliers, managing inventory efficiently, considering invoice financing, building a cash reserve, and reducing unnecessary expenses.
Profit is revenue minus expenses on an accrual basis (when earned/incurred). Cash flow tracks actual money in and out of your account. You can be profitable on paper but cash-poor if customers are slow to pay, or cash-rich but unprofitable if you're drawing down reserves.
