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Plan your next step
with ANZ

The ups and downs of business mean working out your next move isn’t always easy. Here you'll find tools, content and articles that will help you move forward, one step at a time.



ANZ Business Planner

Helping you work out your next step with ANZ Business Planner. Complete the five-minute survey and receive practical tools and articles tailored to your response.


Business planning

Planning is an ongoing process, especially in uncertain times.

Tools and articles

These hand-selected tools and articles will help you with your business plans.

Developing a risk assessment, analysis and risk management plan for your business 

It is important to consider all possible risks and scenarios that may exist both within your business and your external operating environment.

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Funding advice for your business

A lack of funds will limit your business’ performance. That’s why we’ve put together some approaches to help you decide how to source funding for your business.

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Cash flow forecasting

Being able to better estimate and project the money and resources coming in and out of your business is important for managing your business operations today and into the future.

Tools and articles

These hand-selected tools and articles will help you forecast your cash flow.

Forecasting your business’ balance sheet 

By forecasting your business’ balance sheet, you will be able to more clearly understand what you’re likely to own or owe at a certain date, allowing you to plan for future business decisions

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How to forecast your business’ profit and loss

Different events can change your idea of how much money your business will make over the next year. Likewise, your view of the business expenses you will incur during the coming 12 months may have varied. Use our profit and loss template to help forecast for the year ahead.

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Cash flow improvement

Being able to improve the flow of cash through your business can be critical to success.

Tools and articles

These hand-selected tools and articles will help you improve your cash flow.

Shortening your business' cash cycle

Shortening your cash cycle will boost your cash reserves, keeping your business going and providing a buffer in times of financial uncertainty.

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Managing your business' overheads

In the current environment, you may have had to take short-term reactive measures to cut your business’s expenses and monitor any overheads closely.

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Business development

There are always opportunities for a business to develop and grow.

Tools and articles

These hand-selected tools and articles will help you to develop your business.

ANZ Business Growth Program

Take part in a globally recognised program that helps Australian businesses to develop the skills needed to establish an organisation that can sustain growth.

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Tapping into industry subsidies when setting up offshore

If you’re considering setting up offshore, it’s important to consider how you can leverage offshore resources to leverage industry subsidies and reduce your start-up costs.

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Hiring independent sales reps to grow your business

When looking to grow your business, hiring independent sales representatives may benefit your growth, as these employees often have access and connections to the businesses or types of customers you want to target.

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Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you.

ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide (PDF 104kB) before acquiring the product.

This page contains only general information which is subject to change and is not a substitute for commercial judgement or professional advice. This information does not take into account your personal and financial needs, particular objectives and/or circumstances, and you should seek appropriate independent advice (which may include property, legal, financial, taxation and accounting advice) before making any decisions, investing, or acting on it.

Tools, templates, checklists, and calculators (“ANZ Tools”) linked or referred to on this page, are only some of many ways to analyse a business or industry, or to assist your planning and business decision making. You should seek the assistance of your accountant, business or other advisor when either planning for or analysing your business.

To the extent permitted by law, all members of the ANZ group of companies, their employees, officers and contractors (“ANZ“), offer no warranty and disclaim liability or responsibility to any person for any actions, claims, costs, demands, liability, or direct or indirect losses or damage that may result from using or relying on the information set out in the pages or the ANZ Tools, and / or any act, omission or error, by any person in relation to them.  To the extent permitted by law, ANZ makes no warranty and has no liability in respect of your use and reliance. ANZ Tools are also subject in many cases to further specific cautionary wording and disclaimers which you should read.