Cash Flow Optimisation

Profitable on Paper. Broke in the Bank. Let's Fix That.

Cash flow problems kill more businesses than lack of sales ever will. We help you forecast accurately, plug the leaks, and make sure there's always enough in the bank to pay your team, seize opportunities, and sleep at night.

Cash Flow Forecast
Live
$284,650
Projected cash position · next 90 days
PROJECTED
30 Days
$142K
↑ 8.2%
60 Days
$208K
↑ 12.4%
90 Days
$284K
↑ 18.6%
📈
Runway
11.4 months
💵
Tax set-aside
On track
Trusted by thousands of clients
★★★★★ 5 Stars 107 Google Reviews
Sound Familiar?

Your P&L Says You Made Money. Your Bank Account Disagrees.

You're not bad with money. You just don't have the systems or visibility to manage it properly. These are the warning signs.

1

The Profit vs. Cash Disconnect

Your P&L says you made $200k in profit. Your bank account is empty. The cash is tied up in unpaid invoices, excess inventory, or debt repayments — and you can't see where it's going.

2

Bank Balance Decision-Making

You're making big financial decisions — hiring, buying equipment, investing in growth — based entirely on what the bank balance says today, without factoring in GST, PAYG, or upcoming supplier bills.

3

Seasonal Cash Flow Troughs

Plenty of cash in November, struggling to make payroll in January. Seasonal dips hit hard because there's no forecast, no reserves, and no plan to ride them out.

4

Slow Debtors Draining Your Cash

You're acting as a free bank for your clients. Invoices sit unpaid for 60, 90, even 120 days because nobody's chasing them systematically — and your cash flow pays the price.

What You Actually Get

Know Exactly Where Your Cash Is — Today, Next Month, and Next Year

We don't just tell you what happened. We build the systems and forecasts that show you what's coming — so you can plan for it, not react to it.

📊

Cash Flow Forecasting

See exactly what your cash position will be in 3, 6, or 12 months. Factor in seasonal dips, tax obligations, large purchases, and growth investment — so you're never caught short.

🔍

Profit Margin Analysis

We dig into your numbers to find where margin is leaking. By product, by service, by client, by channel — we show you what's actually making money and what's quietly costing you.

💳

Debtor Management & Collections

Stop being a free bank for your clients. We set up automated invoice reminders, track ageing debtors, and help you get paid faster — so cash hits your account on time, every time.

🏦

Cash Reserve & Tax Set-Aside Planning

We help you build a cash buffer for quiet months and set aside funds for GST, PAYG, and income tax throughout the year. No more scrambling when the bills come due.

What Our Clients Say

What Our Clients Say

★★★★★

"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."

S
Susan McKendry
Google Review
★★★★★

"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."

M
Mitchell King
Google Review
★★★★★

"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."

C
Christian Luis B.
Google Review
Getting Started

From Cash Flow Chaos to Total Confidence in 4 Steps

We find the leaks, build the forecast, and put you back in control.

Step 1

We Diagnose

Free strategy call. We map your current cash flow, identify where money is getting stuck, and pinpoint the gaps between profit and actual cash.

Step 2

We Build Your Forecast

A rolling cash flow forecast tailored to your business — factoring in seasonality, tax obligations, large purchases, and growth plans.

Step 3

We Plug the Leaks

Debtor chasing systems, supplier payment scheduling, tax set-asides, and cash reserve strategies — all implemented and managed by us.

Step 4

We Monitor & Adjust

We watch your cash flow weekly. When conditions change — a big order, a seasonal dip, an unexpected cost — we adjust the forecast and keep you ahead of it.

The Difference

Hoping for the Best vs. Knowing Exactly What's Coming

Most business owners manage cash flow by checking their bank balance and crossing their fingers. There's a better way.

✗  The Way You're Doing It Now
✓  The BPAG Way
Checking your bank balance and hoping it's enough
A rolling forecast that shows your cash position 3, 6, and 12 months out
Getting blindsided by GST, PAYG, and tax bills
Funds set aside automatically throughout the year — no surprises
Chasing unpaid invoices manually (or not at all)
Automated debtor management that gets you paid faster
Scrambling to cover payroll during quiet months
Cash reserves planned and built for seasonal troughs
Making growth decisions based on gut feel
Every investment decision backed by a real financial model
Ready to Take Control?

Ready to Take Financial Stress Off Your Plate?

Let's have a conversation about where your business is heading and how we can help you get there.

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Frequently Asked Questions

Profit is an accounting figure — it's what's left after expenses on your P&L. Cash flow is the actual movement of money in and out of your bank account. You can be highly profitable on paper and still run out of cash if your clients pay late, your inventory sits unsold, or your tax bills hit all at once. That's why cash flow, not profit, is the number that determines whether you can make payroll next week.
For most businesses, we can have a working 12-month rolling forecast built within 2–3 weeks of our first strategy call. It depends on how clean your current bookkeeping is and how much historical data we have to work with. Once it's live, we maintain and update it on an ongoing basis — so you always have a current view of where your cash is heading.
Not at all. We work with Xero, MYOB, QuickBooks, and most other major platforms. If your current setup is working, we'll plug into it. If it's creating more problems than it's solving, we'll recommend improvements — but that's a conversation, not a condition.