Your FY27 Cashflow Plan: The First 90 Days
FY27 Cashflow Plan for Business Owners | Switchboard Finance
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New Financial Year · Cashflow Plan · First 90 Days
Your FY27 Cashflow Plan: The First 90 Days
The new financial year is not a deadline to beat, it is a plan to start. The owners who get FY27 right treat the first 90 days as an operating plan, not a June scramble. Here is how to set your cashflow rhythm, list the stack, and price the real cost before you borrow.
Quick Answer
A strong cashflow plan turns the new financial year into an operating plan rather than a June scramble. Map your cashflow rhythm, list every facility, price what each truly costs, and set a clean exit before you add anything new. Start at the Business Owners Hub.
Treat the New Financial Year as a Plan, Not a Deadline
Treat the new financial year as the start of a plan, not a deadline you have to beat, because the owners who get FY27 right work to an operating rhythm rather than a June scramble. The 30 June rush is loud, but the quieter work, the first 90 days of FY27, is where cashflow is actually won or lost. In deals I have seen, the businesses that start July with a written plan move faster all year than the ones that spend June chasing a tax outcome.
A plan beats a panic because it changes what you are optimising for. June pushes you toward one-off decisions, a purchase to time or a balance to clear. A forward plan pushes you toward your cashflow rhythm instead: when money comes in, when it goes out, and where the gaps sit. Get that rhythm on paper and most of the borrowing questions answer themselves.
This is a forward plan, so it is light on tax deadlines and heavy on sequence. The starting point is the Business Owners Hub, and the rest of this guide walks the first 90 days in order: set the rhythm, list the stack, price the real cost, and set a clean exit before you add anything new.
Your First 90 Days of FY27, Step by Step
Your first 90 days of FY27 should run as a sequence, not a single decision, because each step makes the next one cleaner. Start with the calendar, end with an exit, and put the borrowing question in the middle where it belongs. The plan below is the spine, and the sections after it expand the two steps that matter most.
Your First 90 Days of FY27, Step by Step
List the Stack and Price the Real Cost Before You Borrow
List the stack before you price anything, because you cannot weigh the real cost of your finance until every facility is in one view. Put the working capital facility, the line of credit, any invoice funding, equipment loans and supplier terms on a single page, then price the real cost (indicative, varies by lender) of each on its rate and terms, not on its balance.
The dearest facility is rarely the biggest one. In deals I have seen, a small, costly short-term facility or a compounding tax balance does more damage than a large, low-rate secured loan. Once the stack is listed and priced, the cashflow trio is usually where the tidy-up happens: a working capital facility for a short gap, a business line of credit for a revolving buffer, or invoice finance to bring payment forward when customers are slow. The working capital glossary entry covers how these sit together.
If you want the wider picture of how these facilities are categorised before you choose, the guide to the main types of business loans is a useful map, and the new financial year finance guide covers the same ground from a different angle. The point of the exercise is the same either way: replace dear debt and fund real gaps, not add a layer just because the calendar turned over.
What the New Financial Year Settings Mean for Your Plan
The new financial year brings a handful of policy settings that belong in your plan as inputs, not as deadlines. The two that touch cashflow most are Payday Super, which from 1 July 2026 moves employer super onto each pay run instead of quarterly, and the permanent instant asset write-off (a regulatory position, announced, as at June 2026), which changes how an eligible asset is deducted rather than how it is funded. You can read the write-off detail on the ATO's instant asset write-off page.
Payday Super is the one to plan for first, because it is law from 1 July 2026 and it changes the timing of a real outflow. Build the more frequent super into your rhythm and check your clearing-house arrangements early, since the Small Business Superannuation Clearing House closes on the same date. The Payday Super entry sets out the mechanics, and the reintroduced loss carry back, announced for companies, is worth a conversation with your accountant rather than a line in your cashflow plan today.
It helps to plan against the real numbers, not a gut feel. The figures below are the settings and the market that every FY27 cashflow plan sits inside.
A FY27 cashflow plan is housekeeping, not heroics: set your cashflow operating rhythm, list the stack, price the real cost, and set a clean exit before you borrow. The policy settings, Payday Super and the permanent instant asset write-off among them, are inputs to that plan, not deadlines to chase. Owners who treat the first 90 days of FY27 as an operating plan walk into the year steadier than the ones who spent June chasing a number.
Key takeaway: run the first 90 days of FY27 as a plan, set the rhythm, price the stack, and keep a clean exit, so the year works to your calendar instead of the other way around.Frequently Asked Questions
A FY27 cashflow plan should cover four things in order: your cashflow operating rhythm, a full list of your facilities, the real cost of each, and a clean exit on anything short term. Treating the first 90 days of the new financial year as an operating plan, rather than a June deadline, is what keeps the year steady. Start at the Business Owners Hub and map the rhythm before you borrow.
Payday Super affects business cash flow by moving employer super onto each pay run from 1 July 2026, instead of the old quarterly cycle, so the same obligation lands more often through the year. Planning for the more frequent outflow and checking your clearing-house arrangements early is the practical response, especially as the Small Business Superannuation Clearing House closes on the same date. The Payday Super glossary entry sets out the timing.
The instant asset write-off is announced to become permanent from 1 July 2026, with a $20,000 threshold for businesses turning over under $10 million, but that permanence is announced and not yet law, so it is planning context rather than settled fact today. It changes how an eligible asset is deducted, not how it is funded. Treat it as an input to your plan, confirm the detail with your accountant, and see the instant asset write-off glossary entry for the basics.
What changes for business finance in the new financial year is mostly the tax and payroll backdrop, not the finance products themselves, with Payday Super, the announced write-off permanence and a reintroduced company loss carry back the headline settings. A lender still reads the deal in front of it on its security, cashflow and exit. The new financial year finance guide covers the same reset from a different angle.
You work out what your business finance really costs by listing every facility in one view and pricing each on its rate and terms rather than its balance, because the dearest facility is often a small, costly one rather than the largest loan. Once the stack is priced, you can see which facilities to replace and which to leave alone. The working capital glossary entry and the guide to the main types of business loans help you compare the options.
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