Finance
![Debt vs. equity financing: what’s the best choice for your business?](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/ab6595e0746c4761673103f91e60dfb0/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
Answers to all your questions about debt vs. equity financing.
![What do net 30 payment terms mean?](https://images.ctfassets.net/40w0m41bmydz/2YEFkanHJwH4sE2GUT0yqi/b46f06bdbc6abad7e7b7ceec94b34ca6/CDT-878_Organic_content_thumbnail_accounting_01.png?w=680&h=384&q=50&fm=png)
Our full guide to net 30 payment terms for businesses.
![Invoice payment terms 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 more about invoice payment terms in Australia with our helpful guide.
![What is a profit and loss account?](https://images.ctfassets.net/40w0m41bmydz/1kQ3ksHVz5b8ki7AyL84ai/f85d8f9954379f9c51620b32af19b6f9/CDT-878_Organic_content_thumbnail_financial_mgmt_01.png?w=680&h=385&q=50&fm=png)
Read on to find out more about the importance of profit and loss statements.
![A small business guide to debt reduction strategies](https://images.ctfassets.net/40w0m41bmydz/3eElXT4dImlsLYjGKImZNx/de6a19da14248695818209a2bac9cc6e/CDT-878_Organic_content_thumbnail_accounting_04.png?w=680&h=384&q=50&fm=png)
Our comprehensive guide to debt reduction strategies for small business.
![How to Calculate Net Profit Margin](https://images.ctfassets.net/40w0m41bmydz/1kQ3ksHVz5b8ki7AyL84ai/f85d8f9954379f9c51620b32af19b6f9/CDT-878_Organic_content_thumbnail_financial_mgmt_01.png?w=680&h=385&q=50&fm=png)
Our comprehensive guide to using net profit margin formulas.
![How financial projections can help your business](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/ab6595e0746c4761673103f91e60dfb0/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
Want to learn how to make financial projections for small business? Here’s how.
![How to calculate WACC (weighted average cost of capital)](https://images.ctfassets.net/40w0m41bmydz/3eElXT4dImlsLYjGKImZNx/de6a19da14248695818209a2bac9cc6e/CDT-878_Organic_content_thumbnail_accounting_04.png?w=680&h=384&q=50&fm=png)
Learn how to calculate your business’s weighted average cost of capital.
![Cash Flow Statement: Definition, Methodology & Examples](https://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/4554d9caec0fa068e345289ea6061146/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=680&h=384&q=50&fm=png)
Find out everything you need to know about how to prepare a cash flow statement.
![A small business guide to merchant services](https://images.ctfassets.net/40w0m41bmydz/5tPd8B199ctdFNRAzHZoOk/5b0f1156bf615151a0bac429e31a4c3a/CDT-878_Organic_content_thumbnail_financial_mgmt_04.png?w=680&h=385&q=50&fm=png)
Learn more about the best merchant services for small businesses in Australia.
![What does revenue recognition mean for SaaS businesses?](https://images.ctfassets.net/40w0m41bmydz/3T9825YI6ex1vE6pEiJusS/82556ec1a1495f2a382f24ecd6abbb97/CDT-878_Organic_content_thumbnail_subscription_01.png?w=680&h=384&q=50&fm=png)
Explore the importance of the revenue recognition principle for SaaS businesses.
![A guide to merchant accounts for small businesses](https://images.ctfassets.net/40w0m41bmydz/6J9KrCbzMryjMmx8VOccbY/1c9169bd8b582ffb4c816e4496134130/CDT-878_Organic_content_thumbnail_starting_a_business_04.png?w=680&h=385&q=50&fm=png)
Check out our comprehensive guide to merchant accounts for small businesses.
![Small business guide to building the balance sheet](https://images.ctfassets.net/40w0m41bmydz/1HAMFCoLUiOfSdA4Gc7qN0/fa5de639040f8aa1bd6f5838603c8546/building-the-balance-sheet-thumbnail.jpg?w=680&h=401&fl=progressive&q=50&fm=jpg)
What is a balance sheet is & what does it tell you about your financial health?
![Can I charge interest on late payments?](https://images.ctfassets.net/40w0m41bmydz/2FJ7EXJNWTEbdSvX7G00Ti/253ad9cf94977b6971a01b23164dc548/CDT-878_Organic_content_thumbnail_financial_mgmt_02.png?w=680&h=385&q=50&fm=png)
How much interest can I charge on overdue invoices in Australia. Find out here.
![How to write an invoice email](https://images.ctfassets.net/40w0m41bmydz/2FJ7EXJNWTEbdSvX7G00Ti/253ad9cf94977b6971a01b23164dc548/CDT-878_Organic_content_thumbnail_financial_mgmt_02.png?w=680&h=385&q=50&fm=png)
Want to learn how to write an invoice email? Read on to find out.
![5 ways GoCardless reduces the cost of collecting payments](https://images.ctfassets.net/40w0m41bmydz/3oSEyVXcP8D4fdBwceARNH/69c39a8f4781ffbc9eaf1d95e75664de/CDT-843_Costs__1_.png?w=680&h=383&q=50&fm=png)
How GoCardless helps your business save money.
![The SaaS Churn Bible – eBook in association with Chargify](https://images.ctfassets.net/40w0m41bmydz/6zWC9HFnxWzkCHIQghjAbA/7b8f1f35967195c41e3cca1f2a2b2362/saas-churn-bible-anz.jpg?w=680&h=233&fl=progressive&q=50&fm=jpg)
Seasoned SaaS leaders share insights and actionable tips to help Australian businesses manage and combat churn.
![The ultimate payments cheat sheet for SaaS leaders](https://images.ctfassets.net/40w0m41bmydz/32Z3tKvsOb3Klat4ToQbv4/5914908750ad70beb4fce8a5a5f1eb40/guides_images_post-covers_saas-payments-datasheet.jpg?w=680&h=233&fl=progressive&q=50&fm=jpg)
Optimise your payments strategy to drive changes in key business metrics like Churn Rate and Customer Lifetime Value, with this cheat sheet for Australian businesses from GoCardless and ChartMogul.
![5 reasons to start taking payments by Direct Debit](https://images.ctfassets.net/40w0m41bmydz/19Y6CpkZ4EVQNfBRdRSY5G/5c006b4efa289543201e7319f50ea62d/guides_images_post-thumbnails_5-dd.jpg?w=680&h=401&fl=progressive&q=50&fm=jpg)
Many businesses choose to automate payment collection through Direct Debit: but what exactly is the benefit?
![Pricing 101: A guide for accountants](https://images.ctfassets.net/40w0m41bmydz/6k3AEQnkTX5WJQMsykUZY/952a7f966c992b38e19aa0f08b3c59cf/guides_images_post-covers_pricing-101-australia.jpg?w=680&h=232&fl=progressive&q=50&fm=jpg)
Top tips to help you build a winning pricing strategy for your firm.
![How to set up Direct Debit – a guide for small businesses in Australia](https://images.ctfassets.net/40w0m41bmydz/0l8HrhqhNMqECuvTUGuNv/a85a0244602df4b8cbe8d7f5bc05b31d/guides_images_post-thumbnails_how-to-set-up-dd.jpg?w=680&h=401&fl=progressive&q=50&fm=jpg)
The small business perspective on Direct Debit – how Direct Debit can help your business, the advantages and disadvantages and how to get started.
![Getting paid on time: Free e-Guide for SMBs](https://images.ctfassets.net/40w0m41bmydz/4iK8Y9vgIIYG3YELzXJzxH/2a46d4e7f95c73e879faf02f52ae6688/guides_images_post-covers_smbs-guide-paid-on-time.jpg?w=680&h=232&fl=progressive&q=50&fm=jpg)
The ultimate guide to getting paid on time for SMBs in Australia. We guide you through practical, low-cost, high-impact tactics that will reduce your average payment times and debtor days.
![6 hacks to stop you wasting time on payment collection](https://images.ctfassets.net/40w0m41bmydz/4joam9Ueyp0avimSBHB5IA/932a1f19413755b5a474d4e4bb2b3ebb/guides_images_post-thumbnails_payment-hacks.jpg?w=680&h=401&fl=progressive&q=50&fm=jpg)
Payment collection is a major source of admin for any SMB. Claim back the time with these business hacks.
![Top admin-busting tips for SMBs](https://images.ctfassets.net/40w0m41bmydz/4qRFRuqfUdQcZEAyw8kzHV/6e3ac31c39d21094e58b2f176803b247/guides_images_post-thumbnails_admin-busting-tips.jpg?w=680&h=401&fl=progressive&q=50&fm=jpg)
Small business admin is a headache for any busy entrepreneur. But there are ways to minimise the pain, speed up processes and improve business performance.