Finance
![What are intangible assets?](https://images.ctfassets.net/40w0m41bmydz/5tPd8B199ctdFNRAzHZoOk/5b0f1156bf615151a0bac429e31a4c3a/CDT-878_Organic_content_thumbnail_financial_mgmt_04.png?w=680&h=385&q=50&fm=png)
Intangible assets are non-physical items that offer long-term value.
![The importance of COGS for SaaS businesses](https://images.ctfassets.net/40w0m41bmydz/29QbOHiWf7BmGT4qi7Q9as/5b646d19e8e8cac8ddad41e60ea0c0cd/CDT-878_Organic_content_thumbnail_subscription_03.png?w=680&h=384&q=50&fm=png)
COGS refers to the direct costs of selling and delivering your products.
![How does EBITDA help with financial management?](https://images.ctfassets.net/40w0m41bmydz/5tPd8B199ctdFNRAzHZoOk/5b0f1156bf615151a0bac429e31a4c3a/CDT-878_Organic_content_thumbnail_financial_mgmt_04.png?w=680&h=385&q=50&fm=png)
EBITDA is used to measure the financial health and stability of your business.
![How to implement value-based pricing](https://images.ctfassets.net/40w0m41bmydz/4MeE0LMPQd9WpaUMAr3Utc/45ccb4db4f710fd665aa89213ebb0ab0/CDT-878_Organic_content_thumbnail_growth_02.png?w=680&h=385&q=50&fm=png)
Explore our value-based pricing definition, right here.
![Top 10 international payment gateways](https://images.ctfassets.net/40w0m41bmydz/33LdMfRjCq8PGe1JfsMLqM/53697f3e064f71ff59f537e1b4f21233/CDT-878_Organic_content_thumbnail_Internationalisation_04.png?w=680&h=385&q=50&fm=png)
Learn more about the best payment gateway for international payments.
![Accounts receivable: everything you need to know](https://images.ctfassets.net/40w0m41bmydz/3lv39jEAGZJMI63ml7KHgk/cc36ee1ff7b63344da8645adeb2e4372/CDT-878_Organic_content_thumbnail_cashflow_04.png?w=680&h=384&q=50&fm=png)
Understand accounts receivable in more depth with GoCardless.
![What is a wire transfer?](https://images.ctfassets.net/40w0m41bmydz/4drj4oJAoxaODOTr5qySbh/9bd91efae15d37b1264fc9f1c390c5f3/CDT-878_Organic_content_thumbnail_payments_02.png?w=680&h=384&q=50&fm=png)
Find out what information is needed for a wire transfer, and more, right here.
![What is an EFT payment?](https://images.ctfassets.net/40w0m41bmydz/4pTqgukoxgGpHPNM9ILDaU/8f220af573c48560aeda99d6cb837210/CDT-878_Organic_content_thumbnail_payment_options_03.png?w=680&h=385&q=50&fm=png)
Explore the EFT payment method in more detail with our comprehensive guide.
![How to chase an overdue invoice](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/ab6595e0746c4761673103f91e60dfb0/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
See our overdue invoice letter template, right here.
![A guide to start-up business funding in Australia](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/ab6595e0746c4761673103f91e60dfb0/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
Find out how to finance a start-up company in Australia, right here.
![Small business grants in Australia](https://images.ctfassets.net/40w0m41bmydz/5tPd8B199ctdFNRAzHZoOk/5b0f1156bf615151a0bac429e31a4c3a/CDT-878_Organic_content_thumbnail_financial_mgmt_04.png?w=680&h=385&q=50&fm=png)
Find out more about Australian government small business grants.
![What is a tax invoice?](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/ab6595e0746c4761673103f91e60dfb0/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
Find out how to produce a tax invoice for your customers with our guide.
![What is a risk-free interest rate?](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/ab6595e0746c4761673103f91e60dfb0/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
Risk-free interest rate is a theoretical return on an investment with zero risk.
![How to Calculate Debt-to-Equity Ratio](https://images.ctfassets.net/40w0m41bmydz/5tPd8B199ctdFNRAzHZoOk/5b0f1156bf615151a0bac429e31a4c3a/CDT-878_Organic_content_thumbnail_financial_mgmt_04.png?w=680&h=385&q=50&fm=png)
What is a good debt-to-equity ratio? Get the lowdown with our simple guide.
![When Should Your Business Issue an Invoice?](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/ab6595e0746c4761673103f91e60dfb0/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
At what point should your business issue an invoice? Read on to learn more.
![ROAS vs. ROI: what’s the difference?](https://images.ctfassets.net/40w0m41bmydz/4DgVCZKwwwFL2NT1pKIv9w/ebe1d7de034afa022bbfa8a516aeb149/CDT-878_Organic_content_thumbnail_growth_02.png?w=680&h=385&q=50&fm=png)
Understand the difference between ROI and ROAS with our definitive guide.
![How do I accept a recurring payment online as an SME?](https://images.ctfassets.net/40w0m41bmydz/4pTqgukoxgGpHPNM9ILDaU/8f220af573c48560aeda99d6cb837210/CDT-878_Organic_content_thumbnail_payment_options_03.png?w=680&h=385&q=50&fm=png)
Find out more about the best recurring payment system, right here.
![What is the debt-to-capital ratio?](https://images.ctfassets.net/40w0m41bmydz/1kQ3ksHVz5b8ki7AyL84ai/f85d8f9954379f9c51620b32af19b6f9/CDT-878_Organic_content_thumbnail_financial_mgmt_01.png?w=680&h=385&q=50&fm=png)
Explores the ins and outs of debt-to-capital ratio analysis.
![Automatic reconciliation: pros and cons](https://images.ctfassets.net/40w0m41bmydz/1kQ3ksHVz5b8ki7AyL84ai/f85d8f9954379f9c51620b32af19b6f9/CDT-878_Organic_content_thumbnail_financial_mgmt_01.png?w=680&h=385&q=50&fm=png)
Explore the advantages and disadvantages of automated reconciliation tools.
![What is purchase requisition?](https://images.ctfassets.net/40w0m41bmydz/18XFs12FhSe0Ou93BDNQqc/fb343001adad54162b10b98a95fe00b8/CDT-878_Organic_content_thumbnail_starting_a_business_02.png?w=680&h=385&q=50&fm=png)
Explore the ins and outs of purchase requisition with our simple guide.
![What is purchase requisition?](https://images.ctfassets.net/40w0m41bmydz/18XFs12FhSe0Ou93BDNQqc/fb343001adad54162b10b98a95fe00b8/CDT-878_Organic_content_thumbnail_starting_a_business_02.png?w=680&h=385&q=50&fm=png)
Explore the ins and outs of purchase requisition with our simple guide.
![Managing cash flow in a crisis](https://images.ctfassets.net/40w0m41bmydz/4gdgFevnepXpsN6aMxbo6r/005d248585840026ee9bb309e420bbbd/Webinar-cashflow_in_a_crisis-thumbnail-2475x1400.png?w=680&h=385&q=50&fm=png)
Tips for keeping cash flow steady in times of crisis.
![What is supply chain finance?](https://images.ctfassets.net/40w0m41bmydz/1kQ3ksHVz5b8ki7AyL84ai/f85d8f9954379f9c51620b32af19b6f9/CDT-878_Organic_content_thumbnail_financial_mgmt_01.png?w=680&h=385&q=50&fm=png)
Find out everything you need to know with our supply chain finance definition.