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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.
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.
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.
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
Profit and loss
Use our profit and loss template to help forecast for the year ahead.
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.
Break-even calculation
Use our break-even calculator to find out how much you need to sell to achieve your target financial return.
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).
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.
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.
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).
ReturnThe 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 www.anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
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