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Money management for business

Set up or fine-tune your business finances with our articles and tools. Topics include managing rising costs, getting paid promptly, when a business loan is right for you, and setting up good accounting systems.

In this section

Financing your business

Funding types including loans, asset finance and seeking investors. Here’s how to choose what works for your business, whether your goal is to grow, buy equipment, or purchase new premises.

Financing your business

General business finance

How financially healthy is your business – and how much is it worth? Our guides can help you master financial documents, set up good accounting systems, and choose banking services that meet your business needs.

General business finance

Cash flow management

To improve and manage your business finances, delve into your costs vs income over time. Our guides can help, including free templates to forecast cash flow and work out your break-even point.

Cash flow management

Debtors and receiving payments

Your business relies on customers paying on time, every time. Here’s how to make sure you get paid, why you should avoid offering credit – and how to set up good systems to reduce the risk of late payments.

Debtors and receiving payments

Tax management

From ACC levies to GST and income tax, it pays to plan so there are no surprises when it’s time to pay your business taxes. Our guides cover what you need to know and do.

Tax management

Popular money management articles

General business finance

Checking the financial health of your business

Running a business is a bit like maintaining your car. By checking key indicators like oil and water regularly, you can keep your car running well, and identify small problems to fix before they turn into big ones.
Checking the financial health of your business

Tax management

Business tax made simple

As a business owner, it’s important to be aware of what taxes you need to pay and when you need to pay them. This guide covers it all.
Business tax made simple

General business finance

Understanding interest rates and lending approvals

A guide to how we set interest rates and approve business lending and agribusiness finance. We share ways you may be able to get a better interest rate.
Understanding interest rates and lending approvals

Cash flow management

Cash flow forecast calculator

Calculate your cash flow forecast with our simple template. This will help you understand how much cash you have coming in and going out of the business each month and can be a good indicator of the need for an overdraft or other lending.
Cash flow forecast calculator

General business finance

Understanding your profit and loss statement

Your profit and loss statement (P&L) is critical to tracking your progress – so it’s important you understand how it works. This guide outlines the structure of a P&L and how you can use it to better manage your business.
Understanding your profit and loss statement

General business finance

Understanding your balance sheet

It takes a bit of time to figure out – but when you understand your balance sheet, you understand your business. This guide explains what a balance sheet is, what it tells you, and how you can use it to manage your business better.
Understanding your balance sheet

Financing your business

How to fund your business

Starting or growing your business often needs an injection of capital – but if you can’t raise it yourself, you’ll need to explore other sources. This article looks at the options for funding your business and how to increase your chances of success.
How to fund your business

Debtors and receiving payments

Five steps to get paid promptly

Cash flow is the lifeblood of every business, so it’s important to review your payment procedures regularly to make sure you’re set up for success. These five steps will help you strengthen your cash flow and eliminate many debt problems before they occur.
Five steps to get paid promptly

Cash flow management

How to manage your cash flow

It’s often said that cash flow is the lifeblood of any business. But what does that mean in practice? We’ll cover what cash flow is, why you need to manage it, how to tell if you’re at risk, and some tips to keep more cash flowing into your business.
How to manage your cash flow

Get Xero free for your first six months

When you sign up for a Business Edition subscription as an eligible ANZ customer, you can access this discount and get your first six months free.

You’ll be able to manage your cash flow, track expenses, send invoices, and much more – all without leaving Xero. Eligibility criteria, terms and conditions apply, discount excludes any add-on, usage or payment fee.

About this Xero offer and benefits

Accounts and credit cards

Explore our range of business accounts and credit cards. We’ve got something to suit your business, whatever your needs or size.

Accounts and cards

Manage your business banking

Whatever size your business, and whoever you do business with, our range of tools and services help make your banking easier.

Manage your business banking