If your payouts land 2–14 days late, you don’t have a “profit” problem — you have a timing problem. Here’s how cafés turn card settlements + delivery app lag into predictable cashflow with a clean setup lenders understand.

Stage payments don’t hurt because the reno is “expensive” — they hurt because timing is messy. Here’s how cafés choose between a LOC and a Working Capital Loan so deposits, progress claims, and supplier bills don’t collide.

Most café upgrade blowouts aren’t caused by the espresso machine — they’re caused by the “hidden bundle” behind it. Here’s the clean order that prevents rework and keeps the funding story simple.

Most café fitouts blow out because owners upgrade the “pretty” stuff first. This guide shows the clean front-of-house vs back-of-house order that prevents rework, protects cashflow, and keeps approvals simple.

Wet hire and dry hire can look the same on site, but they behave very differently in your bank account. Here’s the clean way to structure the gap and pick the right facility lane.

Mobilisation is where good civil jobs wobble—cash goes out before the first claim lands. Use this checklist to itemise costs, keep the paperwork “easy to say yes” to, and choose one clean funding lane for the gap.

The cart is rarely the issue. Delays come from the “hidden bundle” — pumps, spray systems, install labour and add-ons that don’t match the main invoice.

New vs used vs auction changes valuation risk and lender questions. Here’s the approval-ready checklist that keeps compactor and roller finance clean on low doc.

Expanding rooms often fails on cashflow, not demand. Here are 9 common clinic mistakes (staffing, rosters, deposits, gap weeks) and a simple facility map to keep the upgrade clean for approvals.

Clinics usually don’t “run out of profit” — they run out of timing. Medicare, health funds, and WorkCover/DVA pay on different rhythms, which can squeeze wages and supplier bills even when the diary is full. This guide shows a simple payer-timing map and how to choose one clean safety-net lane (LOC, working capital, or invoice finance) without turning your banking into a weekly firefight.