Business Accounting
Cash flow management that keeps you ahead of the panic.
Profit on paper does not pay wages, suppliers or the ATO. Cash does. We help Australian business owners forecast cash, improve working capital, manage debt, speed up receivables and make decisions before the bank balance becomes a problem.
Led by Oz Karabadjak
Cash flow is not a report. It is the operating system for your business.
FORECAST BEFORE IT HURTS
We build practical cash flow forecasts so you can see the next few weeks and months clearly — wages, rent, tax, suppliers, debt repayments and slow periods included.
WORKING CAPITAL RELEASE
Cash gets trapped in stock, debtors, supplier terms and timing gaps. We identify where working capital is stuck and help turn it back into usable cash.
DEBTOR CONTROL
Late invoices quietly choke good businesses. We help tighten payment terms, invoicing rhythms and follow-up processes so cash comes in faster.
DEBT REPAYMENT RHYTHM
Business loans, tax debt and supplier pressure need a plan. We help map repayments against cash flow so debt gets managed without starving the business.
What’s included
Because running out of cash is never an option.
Forecasting, working capital, receivables, debt and reporting the cash levers that keep the business moving.
Cash Flow Forecasting
We forecast inflows, outflows, tax, wages, supplier payments and debt repayments so you can see the pressure points before they arrive.
Working Capital Review
We review debtors, stock, payables and payment timing to find where cash is stuck then build a plan to release it back into the business.
Debt Management Advice
We help prioritise loan repayments, tax debt, supplier pressure and cash reserves so debt gets managed without crushing day-to-day operations.
Debtor & Receivables Strategy
We tighten invoicing, payment terms and follow-up rhythms so customers pay faster and your business stops funding everyone else’s cash flow.
Budgeting & Scenario Planning
We build practical budgets and what-if scenarios so you know what happens if sales dip, costs rise, margins tighten or growth speeds up.
Xero Cash Reporting
We turn Xero into a clearer decision tool with reporting that shows cash position, debtor movement, payables and upcoming commitments.
Who it’s for
A profitable business can still run out of cash.
If invoices are paid late, stock ties up money, debt repayments stack up or the ATO bill lands at the wrong time, profit does not matter. Cash flow management gives you visibility before the pressure hits.
Structures we plan for
Sole traders
Partnerships
Companies
Family trusts
SMSFs
Not sure yours still fits? Business structure review
Industries we know well
Why us
Cash flow problems do not appear overnight. They build quietly until they hurt.
We help you see the squeeze early, free up working capital, manage debt and make cash decisions before they become emergency decisions.
Going it alone
Bank balance checked in panic
Debtors paying whenever they feel like it
Debt repayments fighting payroll
ATO bills creating cash pressure
No plan for slow months
With Elephant Advisory
Cash forecast weeks ahead
Receivables chased with rhythm
Debt repayments mapped properly
Working capital released
Budgets built for reality`
“Cash flow management is not about staring at reports. It is about knowing what to do next, before the pressure makes the decision for you.”
Your accountants
Qualified, Xero-certified and easy to reach
FAQ
Cash flow management questions, answered plainly.
Quick answers for business owners searching for cash flow forecasting, working capital improvement, debt management and cash flow advice in Melbourne and across Australia.
Pricing depends on the size of your business and the level of support you need. Book a free consultation and we will walk you through your options clearly before any work begins.
For most small businesses, a monthly review is ideal. If your business is going through a period of rapid growth or a tough patch, more frequent check-ins can make a real difference.
It gives you visibility, reduces stress, and puts you in a position to make smarter decisions. Better cash flow management means fewer nasty surprises, less reliance on debt, and more confidence from both you and your lenders.
If you are unsure where your money is going, struggling to pay bills on time, or just flying blind month to month, then yes. A good accountant will not just track your cash flow but actively help you improve it.
A cash flow forecast maps out your expected income and expenses over a set period so you can see potential shortfalls before they hit. Every small business benefits from having one, especially if your income is seasonal or irregular.
Yes. Xero gives you and your accountant real-time access to your financial data, making cash flow monitoring, reporting, and forecasting significantly faster and more accurate. We will get you set up and confident using it.
Related services
General information only. Talk to your accountant about your circumstances.
Business Accounting
Cash flow management that keeps you ahead of the panic.
Profit on paper does not pay wages, suppliers or the ATO. Cash does. We help Australian business owners forecast cash, improve working capital, manage debt, speed up receivables and make decisions before the bank balance becomes a problem.
Led by Oz Karabadjak
Cash flow is not a report. It is the operating system for your business.
FORECAST BEFORE IT HURTS
We build practical cash flow forecasts so you can see the next few weeks and months clearly — wages, rent, tax, suppliers, debt repayments and slow periods included.
WORKING CAPITAL RELEASE
Cash gets trapped in stock, debtors, supplier terms and timing gaps. We identify where working capital is stuck and help turn it back into usable cash.
DEBTOR CONTROL
Late invoices quietly choke good businesses. We help tighten payment terms, invoicing rhythms and follow-up processes so cash comes in faster.
DEBT REPAYMENT RHYTHM
Business loans, tax debt and supplier pressure need a plan. We help map repayments against cash flow so debt gets managed without starving the business.
What’s included
Because running out of cash is never an option.
Forecasting, working capital, receivables, debt and reporting the cash levers that keep the business moving.
Cash Flow Forecasting
We forecast inflows, outflows, tax, wages, supplier payments and debt repayments so you can see the pressure points before they arrive.
Working Capital Review
We review debtors, stock, payables and payment timing to find where cash is stuck then build a plan to release it back into the business.
Debt Management Advice
We help prioritise loan repayments, tax debt, supplier pressure and cash reserves so debt gets managed without crushing day-to-day operations.
Debtor & Receivables Strategy
We tighten invoicing, payment terms and follow-up rhythms so customers pay faster and your business stops funding everyone else’s cash flow.
Budgeting & Scenario Planning
We build practical budgets and what-if scenarios so you know what happens if sales dip, costs rise, margins tighten or growth speeds up.
Xero Cash Reporting
We turn Xero into a clearer decision tool with reporting that shows cash position, debtor movement, payables and upcoming commitments.
Who it’s for
A profitable business can still run out of cash.
If invoices are paid late, stock ties up money, debt repayments stack up or the ATO bill lands at the wrong time, profit does not matter. Cash flow management gives you visibility before the pressure hits.
Structures we plan for
Sole traders
Partnerships
Companies
Family trusts
SMSFs
Not sure yours still fits? Business structure review
Industries we know well
Why us
Cash flow problems do not appear overnight. They build quietly until they hurt.
We help you see the squeeze early, free up working capital, manage debt and make cash decisions before they become emergency decisions.
Going it alone
Bank balance checked in panic
Debtors paying whenever they feel like it
Debt repayments fighting payroll
ATO bills creating cash pressure
No plan for slow months
With Elephant Advisory
Cash forecast weeks ahead
Receivables chased with rhythm
Debt repayments mapped properly
Working capital released
Budgets built for reality`
“Cash flow management is not about staring at reports. It is about knowing what to do next, before the pressure makes the decision for you.”
Your accountants
Qualified, Xero-certified and easy to reach
FAQ
Cash flow management questions, answered plainly.
Quick answers for business owners searching for cash flow forecasting, working capital improvement, debt management and cash flow advice in Melbourne and across Australia.
Pricing depends on the size of your business and the level of support you need. Book a free consultation and we will walk you through your options clearly before any work begins.
For most small businesses, a monthly review is ideal. If your business is going through a period of rapid growth or a tough patch, more frequent check-ins can make a real difference.
It gives you visibility, reduces stress, and puts you in a position to make smarter decisions. Better cash flow management means fewer nasty surprises, less reliance on debt, and more confidence from both you and your lenders.
If you are unsure where your money is going, struggling to pay bills on time, or just flying blind month to month, then yes. A good accountant will not just track your cash flow but actively help you improve it.
A cash flow forecast maps out your expected income and expenses over a set period so you can see potential shortfalls before they hit. Every small business benefits from having one, especially if your income is seasonal or irregular.
Yes. Xero gives you and your accountant real-time access to your financial data, making cash flow monitoring, reporting, and forecasting significantly faster and more accurate. We will get you set up and confident using it.
Related services
General information only. Talk to your accountant about your circumstances.
Business Accounting
Cash flow management that keeps you ahead of the panic.
Profit on paper does not pay wages, suppliers or the ATO. Cash does. We help Australian business owners forecast cash, improve working capital, manage debt, speed up receivables and make decisions before the bank balance becomes a problem.
Led by Oz Karabadjak
Cash flow is not a report. It is the operating system for your business.
FORECAST BEFORE IT HURTS
We build practical cash flow forecasts so you can see the next few weeks and months clearly — wages, rent, tax, suppliers, debt repayments and slow periods included.
WORKING CAPITAL RELEASE
Cash gets trapped in stock, debtors, supplier terms and timing gaps. We identify where working capital is stuck and help turn it back into usable cash.
DEBTOR CONTROL
Late invoices quietly choke good businesses. We help tighten payment terms, invoicing rhythms and follow-up processes so cash comes in faster.
DEBT REPAYMENT RHYTHM
Business loans, tax debt and supplier pressure need a plan. We help map repayments against cash flow so debt gets managed without starving the business.
What’s included
Because running out of cash is never an option.
Forecasting, working capital, receivables, debt and reporting the cash levers that keep the business moving.
Cash Flow Forecasting
We forecast inflows, outflows, tax, wages, supplier payments and debt repayments so you can see the pressure points before they arrive.
Working Capital Review
We review debtors, stock, payables and payment timing to find where cash is stuck then build a plan to release it back into the business.
Debt Management Advice
We help prioritise loan repayments, tax debt, supplier pressure and cash reserves so debt gets managed without crushing day-to-day operations.
Debtor & Receivables Strategy
We tighten invoicing, payment terms and follow-up rhythms so customers pay faster and your business stops funding everyone else’s cash flow.
Budgeting & Scenario Planning
We build practical budgets and what-if scenarios so you know what happens if sales dip, costs rise, margins tighten or growth speeds up.
Xero Cash Reporting
We turn Xero into a clearer decision tool with reporting that shows cash position, debtor movement, payables and upcoming commitments.
Who it’s for
A profitable business can still run out of cash.
If invoices are paid late, stock ties up money, debt repayments stack up or the ATO bill lands at the wrong time, profit does not matter. Cash flow management gives you visibility before the pressure hits.
Structures we plan for
Sole traders
Partnerships
Companies
Family trusts
SMSFs
Not sure yours still fits? Business structure review
Industries we know well
Why us
Cash flow problems do not appear overnight. They build quietly until they hurt.
We help you see the squeeze early, free up working capital, manage debt and make cash decisions before they become emergency decisions.
Going it alone
Bank balance checked in panic
Debtors paying whenever they feel like it
Debt repayments fighting payroll
ATO bills creating cash pressure
No plan for slow months
With Elephant Advisory
Cash forecast weeks ahead
Receivables chased with rhythm
Debt repayments mapped properly
Working capital released
Budgets built for reality`
“Cash flow management is not about staring at reports. It is about knowing what to do next, before the pressure makes the decision for you.”
Your accountants
Qualified, Xero-certified and easy to reach
FAQ
Cash flow management questions, answered plainly.
Quick answers for business owners searching for cash flow forecasting, working capital improvement, debt management and cash flow advice in Melbourne and across Australia.
Pricing depends on the size of your business and the level of support you need. Book a free consultation and we will walk you through your options clearly before any work begins.
For most small businesses, a monthly review is ideal. If your business is going through a period of rapid growth or a tough patch, more frequent check-ins can make a real difference.
It gives you visibility, reduces stress, and puts you in a position to make smarter decisions. Better cash flow management means fewer nasty surprises, less reliance on debt, and more confidence from both you and your lenders.
If you are unsure where your money is going, struggling to pay bills on time, or just flying blind month to month, then yes. A good accountant will not just track your cash flow but actively help you improve it.
A cash flow forecast maps out your expected income and expenses over a set period so you can see potential shortfalls before they hit. Every small business benefits from having one, especially if your income is seasonal or irregular.
Yes. Xero gives you and your accountant real-time access to your financial data, making cash flow monitoring, reporting, and forecasting significantly faster and more accurate. We will get you set up and confident using it.
Related services
General information only. Talk to your accountant about your circumstances.
Phone
OFFICE HOURS
Mon to Fri: 8.30am - 6.00pm
By appointment only.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Phone
OFFICE HOURS
Mon to Fri: 8.30am - 6.00pm
By appointment only.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Phone
OFFICE HOURS
Mon to Fri: 8.30am - 6.00pm
By appointment only.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.