Is Your Business Profitable but Always Tight on Cash?
82% of Australian SMEs that fail cite cash flow as the #1 cause.[1]
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Inside Your Free Cash Flow Health Check
A practical PDF you can read in under 10 minutes, built from 50+ years of Australian SMB advice.
Score Your Cash Flow
Rate yourself in 8 critical categories. See exactly where you are winning and where you are leaking cash.
Quick Wins You Can Apply Now
Five specific actions you can take this week to free up cash and tighten your buffer.
Hidden Traps to Avoid
The three silent killers we see most often in Australian SMBs, and how to dodge them before they bite.
Written by Australia’s Leading Accountants
Since 1973, Cosca’s accounting team has worked alongside hundreds of small business owners to improve cash flow, reduce financial stress, and grow their businesses with confidence.
This Health Check was built from real conversations and questions we hear every day. Practical guidance shaped by real businesses just like yours.
Why Cash Flow Trips Up Profitable Businesses
Cash flow (not profit) determines whether your business survives. Even healthy businesses hit the wall when…
- Customers pay 30 to 60 days late while suppliers want payment in 7
- Stock can tie up 20 to 40% of working capital you didn’t realise was unavailable
- Tax bills land without warning. BAS quarterly plus annual income tax.
- No buffer for seasonal slowdowns. 3 months of expenses is the safe minimum.
This Health Check shows you where your cash gets stuck, and how to fix it.
Meet The Cosca Experts
Dan Sirett
Helps Springwood SMEs untangle cash flow, sharpen tax planning, and lift profit before EOFY.
Ross Girgenti
Advises growing SMEs and primary producers on the tax and structure decisions that compound over decades.
Ready for hands-on help instead?
Skip the PDF and book a free 30-min Discovery Call. See if Cosca is the right fit for your business.