Resources

Your Employees Probably Know More About Your Cash Flow Problems Than You Do
Staff often notice financial stress signals — delayed reimbursements, hesitant approvals, urgent invoice chasing — well before an owner has consciously admitted there's a real problem.
RBizz Team
02/09/2026 10:14 AM - Comment(s)
The Business Next Door Making Half Your Revenue Might Be Worth More Than You Are
Summary: Revenue size is one of the weakest indicators of business value — margin, owner dependence, and revenue quality matter far more to a buyer than the top-line number.
RBizz Team
01/09/2026 12:38 PM - Comment(s)
If You Died Tomorrow, Your Business Partner Might End Up in Business With Your Spouse
Without a funded buy-sell agreement, a deceased partner's shares typically pass to their family, leaving surviving partners in business with someone who never chose that role and may want very different outcomes.
RBizz Team
01/09/2026 12:37 PM - Comment(s)
The Business Loan You're Proud of Paying Off Early Might Have Been a Mistake
Paying off business debt early feels responsible, but if the cash could have earned more reinvested elsewhere, eliminating low-cost debt was actually a below-market financial decision dressed up as prudence.
RBizz Team
01/09/2026 12:36 PM - Comment(s)
Your Business Partner Agreement Probably Doesn't Say What You Think It Says
Most partnership and shareholder agreements are signed once and never reread — until a dispute reveals that what everyone assumed it said and what it actually says are two very different things.
RBizz Team
31/08/2026 12:27 PM - Comment(s)
FBT tax time 2025-26 – are you ready?
The 2025-26 fringe benefits tax year ended on 31 March. As employers gear up for FBT tax time, there are a few changes for 2025-26 that employers should be aware of, especially if you provide plug-in hybrid electric vehicles (PHEVs) to your employees.
RBizz Team
29/08/2026 11:25 PM - Comment(s)
Federal Budget 2026-27: Key Announcements
2026-27 Federal Budget was ambitious, announcing significant reforms to capital gains tax and negative gearing in a bid to support home ownership and improve the fairness of the tax system.
RBizz Team
29/08/2026 11:25 PM - Comment(s)
Basic strategic advice: why your business needs an evolving strategy

“Q: Why do I need an evolving strategy for my small business?”


You’re a business owner or CEO. And that means it’s your responsibility to take care of the business, invest in the right places and make the company a success story.


However, to do this, you need an agreed business strategy that lays out...



RBizz Team
29/08/2026 11:24 PM - Comment(s)
Federal Budget 2026-27 Spotlight – Negative Gearing
Alongside changes to the CGT rules, the Federal Budget announced that the availability of negative gearing would be curbed for residential property investors. Properties purchased from 1 July 2027 will be subject to the new rules.
RBizz Team
29/08/2026 11:24 PM - Comment(s)
Withholding Tax Obligations for Foreign Contractors and Employees
Equity granted to employees isn't taxed like ordinary salary, and startups often assume any equity grant automatically qualifies for concessional treatment without checking the actual eligibility criteria.
RBizz Team
29/08/2026 11:23 PM - Comment(s)
Company Tax Rate: Base Rate Entity vs Standard Rate — Which Applies to You
Companies must pass both an aggregated turnover test and an 80% passive income test to access the lower 25% rate, and both need to be checked every single year — not assumed to carry forward.
RBizz Team
29/08/2026 11:23 PM - Comment(s)
Cyber Insurance: What It Actually Covers (and the Exclusions That Catch Businesses Out)
Cyber insurance policies vary significantly in scope, and exclusions like unmaintained security standards, social engineering scams, and prior known vulnerabilities can leave businesses without coverage exactly when a claim matters most.
RBizz Team
29/08/2026 11:23 PM - Comment(s)
If Your Accountant Has Never Once Told You "No," That Should Worry You
An accountant who never pushes back isn't a sign of a flawless business — it's usually a sign they're processing your numbers rather than genuinely engaging with your decisions.
RBizz Team
29/08/2026 11:23 PM - Comment(s)
Your Business Is Probably Profitable and Broke at the Same Time. Here's Why.
Profit and cash are fundamentally different measures, and the gap between them — unpaid invoices, inventory, loan principal, GST timing — is exactly what catches profitable businesses off guard when the bank balance doesn't match the P&L.
RBizz Team
29/08/2026 11:22 PM - Comment(s)
Your "Slow Season" Might Just Be a Pricing Problem Wearing a Disguise
Blaming a weak quarter on "the slow season" can quietly mask a real margin problem — the giveaway is a seasonal dip that's getting worse each year rather than staying consistent.
RBizz Team
29/08/2026 11:22 PM - Comment(s)
You Don't Have a Marketing Problem. You Have a Follow-Up Problem.
Businesses blame slow sales on marketing spend, but the real revenue leak is usually invisible — leads that never got a proper second follow-up, costing far more than any ad budget would show.
RBizz Team
29/08/2026 11:22 PM - Comment(s)
Your Big Tax Refund Isn't a Win. It's an Interest-Free Loan You Gave the Government All Year.
A large tax refund feels like good news, but it almost always means you overpaid throughout the year and got nothing for the government holding your money in the meantime — the real fix is recalibrating PAYG instalments, not celebrating the refund.
RBizz Team
29/08/2026 11:21 PM - Comment(s)
Your Biggest Client Might Also Be Your Biggest Threat
A dominant client feels like a win, but heavy revenue concentration quietly erodes pricing power and decision-making independence, and it's often the first thing that spooks lenders or buyers when the business needs financing or a sale.
RBizz Team
29/08/2026 11:21 PM - Comment(s)
Your Company's "Retained Earnings" Might Just Be an Illusion
A healthy retained earnings figure on the balance sheet isn't sitting cash — it's usually already tied up in assets, debt repayment, or growth, and directors who draw dividends against that number without checking actual cash flow can be in for a real surprise.
RBizz Team
29/08/2026 11:21 PM - Comment(s)
Nobody Fails a Tax Audit Because of Tax. They Fail Because of Records.
Most businesses that come out of an ATO review poorly weren't doing anything wrong — they simply couldn't prove, years later, that a genuinely correct decision was actually made at the time.
RBizz Team
29/08/2026 11:21 PM - Comment(s)

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