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Master cash flow

Spend less time chasing payments and feel confident that you can meet your financial obligations with strong cash flow management practices.

What you'll find:

  • Ways to keep costs down
  • Tips to improve and forecast cash flow
  • Receiving customers payments faster

Articles about mastering cash flow

The importance of cash flow: the fuel for your business

3-minute read

It’s imperative that a business has enough cash on hand to meet its financial obligations. Understand the importance of cash flow and how to manage it.

Keep reading

Five tips for receiving customer payments faster

3-minute read

Receiving customer payments quickly can boost your cash reserves and provide a buffer to see you through harder times.

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Tips for keeping costs down in your business

3-minute read

Your business’s financial success relies on keeping track of your business expenses. Here’s how to review and manage your business overheads.

Keep reading

Tools and resources

Cash flow forecast

Effectively manage your cash flow and feel in control with our handy forecast template.

Cash flow forecast template (xlsx 114kB)

Icon representing cash flow improvement checklist showing coins a tick and a percentage sign

Cash flow improvement

Improve your cash flow and draw up an action plan with our comprehensive tips.

Cash flow improvement checklist (PDF 1.5MB)

Icon representing cash flow checklist showing a calendar with a $ sign

Business cash flow

This checklist will help you understand the current cash flow position of your business and prepare for the 'new normal'.

Business cash flow checklist (PDF 188kB)

A dedicated business account

Separating your business and personal accounts could help you save time on admin and give you a better picture of where your business is at.

With a business account such as ANZ Business Essentials, you'll get:

  • No monthly account services fees
  • An ANZ Business Visa Debit card in your business namedisclaimer
  • Access to small business specialists
  • Apply online, or if you’re a sole trader get set up in minutes in the ANZ Appdisclaimer(available if you do not already have an ANZ business account).

Explore ANZ Business Essentials

ANZ Business Black

Make business even more rewarding by earning 130,000 bonus Qantas Points

To earn your bonus Qantas Points, just spend $6,000 on eligible purchases in the first 3 months from approval of your new card.disclaimer

 ANZ Qantas Business Rewards

Limited time offer. New Card. T&Cs, eligibility criteria, fees and charges apply (including an Annual Fee, currently $300 plus a Rewards Fee, currently $75 per card).

Get a personalised financial check-in

You don't have to figure it all out on your own. Book in a free Financially Ready Check-in with a small business specialist, with no ongoing obligation.

What you can expect

  • We’ll guide you through some simple questions about your financial systems, cash flow and goals.
  • Discuss next steps that you can consider taking to help your business become financially ready for today, tomorrow or the unexpected.

It only takes 15 minutes, and it’s free.

Request a check-in

This is general information only, so it doesn’t take into account your objectives, financial situation or needs. ANZ is not giving you advice or recommendations (including tax advice), and there may be other ways to manage finances, planning and decisions for your business.

Read the ANZ Financial Services Guide (PDF) and, if applicable, the product Terms and Conditions. Carefully consider what's right for you, and ask your lawyer, accountant or financial planner if you need help. 

Any tools, checklists or calculators produce results based on the limited information you provide so they are an estimate or guide only. As they are incomplete, they are not a substitute for professional advice.

Terms and conditions, fees and charges, and credit approval and eligibility criteria apply to ANZ products.

Eligibility criteria and terms and conditions apply. Please refer to the ANZ Business Transaction Accounts Terms and Conditions (PDF).


The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available at and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.


Offer available to new and approved applicants who apply for a new ANZ Qantas Business Rewards account. This is a limited time offer, which may be terminated, withdrawn or varied by ANZ at any time without prior notice. This offer applies only once per new ANZ Qantas Business Rewards account. Offer is not available when transferring from an existing ANZ Business credit card account and/or adding an additional account to an existing ANZ Business credit card contract. You are not eligible for this offer if you currently hold or have held an ANZ Qantas Business Rewards and/or ANZ Business Black account in the last 12 months. Your application must be approved, and you must activate your ANZ Qantas Business Rewards account and make $6,000 worth of eligible purchases within 3 months of approval to receive the 130,000 bonus Qantas Points. Eligible purchases means purchases which are eligible to earn Qantas Points. Certain transactions and other items are not eligible to earn Qantas Points. For details refer to the ANZ Qantas Business Rewards Terms & Conditions (PDF). The 130,000 bonus Qantas Points will be credited to the Qantas Business Rewards member account within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Qantas Business Rewards account before the bonus Qantas Points are processed to your Qantas Business Rewards member account, you may become ineligible for this offer. If any repayments are overdue before the 130,000 Bonus Qantas Points are processed to your membership, you will be ineligible for this offer until any overdue amount and amounts shown on your statement as being payable immediately have been paid.