Insights
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With separate card surcharges no longer permitted under the network rules described in this article, small businesses need to reconsider how they manage payment processing costs. Learn why reviewing merchant fees, product margins and pricing decisions matters before increasing prices.

A business can maintain customer numbers and still experience declining profits and tighter cash flow. Explore how average transaction values, gross profit margins, operating costs and payment patterns can affect financial performance, and discover four key figures business owners should monitor each month.

A familiar sales price does not always mean a familiar profit. Rising fuel, labour, freight, materials and other input costs can quietly reduce gross margin and turn previously profitable work into a margin problem.

Your accounts show what you invoiced, but they may not show the value of work you delivered without charging for it. Learn how unbilled work, scope creep and unpaid variations can quietly reduce profitability.

Sales growth does not always mean higher profit. Learn why Australian businesses can be busy and growing revenue while keeping less money, and where to look for rising costs, shrinking margins, inefficient work and cash flow pressure.

Growing turnover can look like success, but more sales don’t always mean more profit. Learn why family businesses should focus on margins, pricing, cash flow and revenue quality to build a stronger, more valuable business.