Many businesses operate on credit terms, creating a gap between making sales and receiving payment. As sales increase, more cash becomes tied up in accounts receivable for 60 to 120 days while expenses still need paying. Debtor finance can provide a solution, but it’s not right for every business. Debtor finance converts your unpaid invoices…
Growth sounds like success, but it can strangle your cash flow if you’re not careful. You spend cash fulfilling orders before customers pay you. When revenue is growing, this timing gap gets worse because more sales equals more working capital tied up in debtors and inventory. Everyone is busy delivering all that extra work, then…
A message from our Managing Partner, As we close out 2025, we’re taking a moment to reflect on what’s been a milestone year for Advivo and the incredible Brisbane business community we’re privileged to serve. This year marked our 10th anniversary. A decade of working alongside ambitious business owners, navigating challenges, celebrating wins, and building something we’re genuinely proud of. When we acquired Advivo in 2015, our vision was simple: be…
A message from our Managing Partner, I’d like to start this month’s newsletter with some exciting news, we’ve formed a new strategic partnership with Ascern (Outsourced CFOs). This collaboration combines two complementary business advisory powerhouses and brings even greater financial insight and expertise to our clients, helping them achieve stronger business outcomes. You can read more about this partnership below, and in the Press Release on our website. Also in this…
Scams are getting smarter, and more targeted. From fake invoices to impersonation emails that look like they’ve come straight from the ATO, cybercriminals are finding new ways to catch business owners off guard. The goal is simple: to trick you into paying money, sharing information, or granting access to your systems. The Rise of Business Email Compromise One of…
Sustainable growth means building a business that’s efficient, adaptable, and resilient over the long term. Whether you’re in construction, logistics, manufacturing, or professional services, the most successful businesses are the ones that think strategically about how they grow, not just how fast. It’s the ability to expand your business profitably and predictably, without overextending resources, cash flow, or people. True sustainable growth happens when your…
When it comes to managing your money and business finances, it’s easy to assume an Accountant and a Financial Planner do the same thing. In reality, their roles, and the advice they’re legally allowed to provide are quite different. What an Accountant Does Accountants focus on your business and tax obligations. Their core responsibilities include: Preparing and lodging tax returns Structuring your business…
A message from our Managing Partner, I am amazed to say we are approaching the final stretch of the year! Let’s see this as an opportunity to stay sharp and keep your business moving forward, while others perhaps start to slow down. The weeks between the Melbourne Cup and Christmas can test even the most…
Running a small or medium business is a balancing act. You want to focus on growth, customers and strategy without getting bogged down in bookkeeping, reconciliation headaches, or tax compliance. That’s where a specialist Xero advisor can step in and make a meaningful difference. Let’s explore how partnering with a Xero-certified advisor (like the team…
Every year, the Melbourne Cup marks more than just the race that stops a nation, it also signals the unofficial start of the year-end slowdown. From early November through to Christmas, businesses across Australia are affected. Often we find decision-making stalls, new projects drag, and cash flow tightens and calls on resources are stretched. Many…
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