Large inventory purchases, extended payment terms, and currency fluctuations create a cash flow rollercoaster. We help you manage working capital, protect your margins, and forecast cash needs — so you can grow without running out of runway.
Importing and wholesale runs on tight margins, long lead times, and big upfront commitments. Here's where it usually hurts.
You locked in an order at one exchange rate, but by the time payment is due the AUD has moved against you. A 5% currency swing on a $200k order just cost you $10k in margin — and nobody saw it coming.
You need to pay suppliers upfront (or on short terms), but your customers pay you on 30, 60, or 90-day terms. Every large purchase order creates a cash flow gap that threatens your ability to operate.
Purchase price, shipping, customs duty, insurance, quarantine, and local freight — your real landed cost is buried across multiple invoices and currencies. You're pricing without knowing what each product actually cost to get to your warehouse.
You need to hold significant stock to fulfil orders, but too much inventory locks up cash you need for operations. Too little and you can't service your customers. Nobody's modelling the sweet spot.
Nine services tuned to the realities of multi-currency purchasing, big inventory commitments, and the cash flow gap between supplier and customer.
We calculate true landed cost per product — purchase price, freight, duty, insurance, and local logistics — across multiple currencies and suppliers. Your pricing is finally based on real numbers.
We track your foreign currency exposure, model the margin impact of exchange rate movements, and help you build strategies to protect your profit from currency swings.
We model the cash impact of your inventory levels and help you find the balance between stock availability and cash tied up on the shelf. Better stock management means more cash in the bank.
Large supplier payments, long customer terms, and seasonal demand create massive cash flow variability. We build rolling forecasts so you can plan purchases and manage gaps with confidence.
Proactive tax planning for importers and wholesalers. We advise on structuring for multi-entity operations, GST on imports, and strategies to minimise your tax position as you scale.
Books updated daily across multiple currencies. Supplier payments tracked. BAS lodged on time — including GST on imported goods. You manage the supply chain — we manage the numbers.
USD, EUR, CNY, GBP — we reconcile every foreign currency transaction in Xero, isolate FX gains and losses, and ensure your AUD reporting is clean and audit-ready.
From invoice factoring to trade finance facilities, we help you assess and structure funding options that bridge the gap between supplier payment and customer settlement.
We analyse profitability by customer, channel, and SKU — so you know which accounts are growing your business and which are quietly eroding your margin.
"We have been working with Ray and the fantastic team at BPAG for several years. It has truly been the best decision for our company. Their invaluable support has saved us a great deal of money and time."
"It's been wonderful working with the BPAG team! They are true experts and have provided incredibly valuable business advisory and tax services, helping my business grow."
"What an incredible team. I started using BPAG 3 years ago and they have been advising my business and myself in an extraordinary way. They are caring and listen to your needs."
Most accountants don't speak the language of containers, customs, and currency. We do.
Let's have a conversation about where your business is heading and how we can help you get there.