Keeping on top of your cash flow is even more critical during tougher economic times. With global uncertainty, recent high inflation, soaring energy prices, supply chain challenges, and interest rates remaining high, cash is likely to be tight over the coming year. Cloud technology and fintech apps can give your business the best possible control over its cash.

And with Payday Super coming in 2026, moving to digital, real-time systems isn’t just helpful anymore — it’s becoming essential. Paying super at the same time as wages will change the timing of employer cash flow, making accuracy and visibility more critical than ever.

Why cash flow is becoming even more important

To keep your business operating, you need enough money coming in to cover your outgoings – and ideally, enough surplus cash to deliver a profit.

During economic downturns, consumers have less disposable income to spend on your products and services. Business customers will also be looking to rein in their spending. As a result, your business is likely to make fewer sales and generate lower revenue.

This means:

• Reduced income coming into the business
• Less cash available to cover operational expenses
• Increased difficulty paying suppliers, utilities, or payroll
• In the worst case, insufficient cash flow to continue trading

The upcoming Payday Super reform adds an additional consideration: superannuation will need to be paid every pay cycle rather than quarterly, tightening cash flow for many employers. Getting systems right now will make the transition far smoother.

What can you do to improve your cash flow situation?

The more informed you are about your cash position, the more you can do to prepare for cash flow gaps. It’s this foresight that makes the difference when facing tough economic forces or a slowdown in sales.

If you want to safeguard your cash flow, here are some sensible steps to take:

Switch to cloud accounting

Accounting and finance technology has come a long way. The best cloud platforms offer detailed reporting on your cash position—often with real-time data. This is critical when payroll and super obligations are due at the same time.

Integrate with cashflow forecasting apps

Add-on apps can help you predict and model your future cash flow position. This becomes even more useful as businesses start to plan for tighter payroll cycles under Payday Super.

Plan for cashflow gaps

When your forecast shows a shortfall coming up, that’s the time to act. If a cash hole is approaching next month, consider ways to raise additional finance—such as extending overdrafts, securing short-term funding, or setting up invoice finance.

Review payroll timing and processes

With Payday Super approaching, businesses should:

• Review how frequently they pay staff
• Assess whether current payroll processes are efficient
• Ensure systems support automated and accurate super payments
• Build super obligations into weekly or fortnightly budgeting

Small refinements now can prevent major cash flow crunches later.

Look for opportunities to cut overheads

Reducing expenditure can help smooth cash flow during tight periods. Look for:

• Cheaper suppliers
• Lower-volume purchasing
• Subscription savings
• Reducing unnecessary costs

Even small changes can make a big difference when cash flow is strained.

Update your pricing and sales strategy

Raising prices can improve cash inflow, but it must be done carefully. Look for the right balance:

• Review your pricing against rising input costs
• Communicate value clearly to customers
• Explore ways to increase sales volume or add new revenue streams

A price or margin review is often overdue by the time a business considers it.

Review your cashflow reports regularly

Don’t wait until period-end. Look at your cashflow reports regularly—especially in unpredictable economic conditions. With clear, timely data, you can make informed decisions and keep the business operational.

Talk to us about updating your cashflow processes

With your business in a healthy cashflow position, you create a strong foundation for navigating economic uncertainty and preparing for regulatory changes like Payday Super.

No business is immune to external pressures, but with better systems, visibility, and planning, you’ll have more flexibility and control.

Book a meeting, and let’s review your cash flow processes and your readiness for what’s ahead in 2026.