Business Toolbox

Last updated: April 2026

Cash flow is one of the most important indicators of business health. Even profitable businesses can struggle if they are unable to meet payment obligations when cash inflows are delayed.

At the same time, rising costs, delayed payments and increased uncertainty across global markets are placing additional pressure on business cash flow.

CCIWA’s analysis of ASIC data indicates that insolvency rates in Australia have been climbing, exacerbated by higher interest rates, persistent inflation and rising costs.  

Cash flow problems appear to be a common denominator among failing businesses.

CCIWA Senior Trade Consultant & Austrade TradeStart Advisor Darren Levy says credit, currency and working capital risks all funnel into cash flow. 

“Think of cashflow like a beating heart. If credit risk goes unmanaged, you’ll be waiting on payments that might never arrive,” he says.

“If currency risk spikes, costs can blow out unexpectedly. If working capital runs thin, you can’t plug the gaps. All roads lead to cash flow.” 

Businesses are also facing higher input costs, longer transit times and reduced reliability across key shipping routes, making cash flow forecasting more challenging.

Finance tools to maintain liquidity 

While the fundamentals of invoicing discipline, prompt collections and controlled spending remain non-negotiable, there are specific banking tools that can help (contact your bank to find out more).

Online trade banking systems 

• Enables businesses manage multiple international transactions and track invoices in one place. 
• Provides real-time visibility into outstanding payments, currency fluctuations and upcoming obligations.

Flexible payment terms and early settlement discounts 

• Offering a small discount for faster payment can encourage international clients to settle quickly, boosting cash inflow. 
• Conversely, negotiating with suppliers for slightly extended terms can help match your outflows more closely to your inflows.

Short-term overdraft facilities 

• A quick-access safety net for bridging small, unexpected cashflow gaps. 
• However, must be used strategically as interest rates remain elevated. 

CCIWA suggests scheduling periodic reviews where key stakeholders – finance, operations and sales – to assess your company’s liquidity over a three, six and 12-month period.  

This forward-looking view allows them to forecast potential shortfalls and lock in any relevant finance solutions before a crisis hits. 

Planning for stronger resilience  

Businesses that proactively monitor and manage their cash flow are better positioned to recover from external market disruptions and economic volatility. 

Strengthen your cash flow management with these practical tips: 

• Review and align payment terms with both customers and suppliers. 
• Use alert systems to track late payments and reduce administrative oversights. 
• Forecast liquidity for the next three to 12 months, with regular cross-team check-ins. 
• Explore short-term finance tools like overdrafts or invoice discounting to bridge gaps. 
• Monitor risks holistically – currency, credit and working capital – as they impact your cash position directly. 

If you are looking for support or advice in business, investment or trade, contact our experienced International Trade Services team at [email protected].