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Start with strong financials

Good financial management can make or break a business.

Having a solid grasp of your business’ financial position, developing good financial practices, and having the right systems in place is crucial to success.

What you'll find:

  • The three key financial statements you need to know
  • Early warning signs to monitor
  • How separating personal and business finances can make business life easier

Articles about financial management

How to start a side hustle

3-minute read

Turning your side-hustle into your full-time career can feel like a daunting project. But with a little support and planning, the romance of doing something you truly love for a living can become a reality. 

Keep reading 

What is financial wellbeing?

3-minute read

Financial wellbeing is about how comfortable and positive we feel about our money today and for the future. Find out how to improve yours.

Keep reading 

Your essential EOFY business checklist

4-minute read

Use our checklist to prepare your business to meet your financial obligations for EOFY, plus take some time to organise, reflect, reset and make plans to execute over the next 12 months.

Keep reading 

Why separate your personal and business finances?

Paul Presland, General Manager ANZ Small Business explains the importance of separating personal from business finances.

Tools and resources

Icon representing profit and loss template showing two arrows pointing up and down with $ signs

Profit and loss

Use our profit and loss template to help forecast for the year ahead.

Profit and loss template (xls 1.5MB)

Icon representing business balance sheet showing bar chart with a paper plane flying up above

Balance sheet

Get an idea of what position your balance sheet will be in by the end of the year and estimate your assets and liabilities at a future date.

Balance sheet template (xlsx 1.5MB)

Icon for break-even calculator showing calculator buttons and a $

Break-even calculation

Use our break-even calculator to find out how much you need to sell to achieve your target financial return. 

Break-even calculation template (xlsx 70kB)

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

Illustration of checklist, credit card, calculator and a coin

50% off QuickBooks Simple Start

For ANZ customers who are new to QuickBooks, QuickBooks is offering a 50% discount on a QuickBooks Simple Start subscription for the first 12 months*.

*Valid for customers who sign up to QuickBooks before 30 April 2024.  

See QuickBooks online

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.