Simulate cash flow issues under payment delays or increased expenses for Australian businesses.
Updated October 2026Built and checked by MaverickHow it's calculatedReport an error
Minimum buffer needed
$148,500
to survive the stress period
Worst cash point
-$148,500
reached in M3
Insolvency month
M1
without intervention
Stressed expenses
$49,500
per month during shock
A month's expenses while payments are late: your usual costs plus the increase you entered.
Balance drops below zero in M1. Action options: chase invoices, defer non-essential spend, arrange a line of credit before you need it.
Months in red are eating into reserves. The further negative, the faster the buffer disappears.
Understand how payment delays and rising expenses affect your business cash flow and ability to cover costs with this stress testing tool.
As of 7 November 2026, the lowest business loan rate is 6.33%, from SCCU's BUSINESS LOAN, while the typical best across 47 institutions is 7.89%. The lowest business overdraft rate is 8.24%, from IMB Bank's Commercial Credit line, while the typical best across 12 institutions is 10.06%.
A retail business faces a 3-month slow season with delayed customer payments and increased supply costs.
The business needs to prepare for short-term cash crunch and negotiate supplier terms.