Cash Flow Kit

The Cash Flow Kit is a resource for advisers to help small businesses manage their cash flow and stay viable.

Last updated 30 March 2025

Go to the Cash Flow Kit

The Cash Flow Kit can be used offline by selecting Download free desktop app for Windows on the Tax, Super and You website.

You can also access the kit in the following formats:

Cash Flow Kit instructional cards on business.gov.auExternal Link
paper kit or downloadable PDF using the ATO Publication Ordering Service and searching for ‘Cash Flow Kit – for advisers' (NAT 75239-10.2019)
open source code for the digital version available on GitHubExternal Link.

The Cash Flow Kit is an evidence-based framework that:

gives small businesses clear action to help them meet their financial commitments, including their tax and super obligations
turns cash flow theory into practical solutions by focusing on 4 key questions:
- Is your client trading profitably?
- Have they put enough money aside to meet their regular financial commitments?
- Does their business have enough money to spend on themselves and pay others?
- Is their business getting ahead or falling behind?
helps all business types at any stage of their business lifecycle.

Advisers can watch a series of videos to learn more about using the kit:

Digital Cash Flow Kit (14:55)External Link – introductory recorded webinar
Digital Cash Flow Kit - Lachlan Case Study (16:17)External Link – how to use the cash flow canvas
Introduction to the Cash Flow Kit (8:10)External Link – how to use the paper kit
Case study Cash Flow Kit (11:53)External Link – how to have a cash flow conversation
The collection of in-depth how-to videos, outlining how to use tools in the kit, are available on atoTVExternal Link.

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