Help your SME clients prepare for what comes next
Your clients' plans are only as good as their cash flow
Whatever comes next for your clients may change how much cash they need and when they need it. By asking the right questions early, you can help them assess whether their cash flow and funding are ready to support their plans for the new financial year.
What is changing around and within your client's business?
Working capital needs can change when external pressures and internal plans happen at the same time. Understanding both can help you have more forward-looking conversations and identify where funding may support your clients' needs.
Whatever their next move looks like, having the right working capital can help make it happen.
Asking the right questions early can help you uncover client needs that may not emerge through a traditional finance enquiry.
Growth and investment
Growth often requires upfront spending.
The right funding structure can help the business move forward without using all of its available cash.
Timing pressure
Cash does not always move at the same pace as revenue.
Understanding these timing differences can help identify a cash flow gap before it becomes urgent.
Risk and resilience
Unexpected events can quickly affect available working capital.
Planning for these risks can help protect the business's ability to keep operating and respond to opportunities.
Planning and preparedness
Good plans need a clear view of cash flow.
A forward-looking review can help make decisions with greater clarity.
Download the Working Capital Readiness Checklist to share with your SME clients.
The scored questionnaire helps business owners consider how future plans could affect their cash flow.
You can use it to:
- give clients a practical way to assess their position
- identify where cash flow pressure or funding gaps may be emerging
- create a natural starting point for a broader funding conversation
- help clients prepare before growth, investment or changing conditions place greater pressure on cash
Send the checklist to your clients to complete, then use their results to guide your next conversation.
Beyond the transaction: Helping SMEs fund what comes next.
Broker success webinar | Date: Thursday 27th August 2026 | Time: 10.30am to 11.00am
Helping SME clients prepare for what comes next starts with understanding what is changing in their business, where pressure may emerge and how funding could support their plans.
Our broker success webinar will show you how to lead more forward-looking client conversations, identify working capital needs early and strengthen your role as a trusted adviser.
In the webinar, we will share:
- Why this conversation matters now
- The opportunity this presents you
- The core question that reveals the real funding need
- The 'what comes next' framework and a usable toolkit for your SME conversations
Webinar presenters
![Photo of Luke Austin]()
Luke AustinThe CFO CentreRegional Director![Photo of Amanda Keneally]()
Amanda KeneallyEarlypayState Manager - NSW & ACT
Supporting your clients with what comes next
Earlypay's working capital solutions include:
Invoice Finance
Access funding against unpaid customer invoices rather than waiting for customers to pay.
Equipment Finance
Fund vehicles, machinery or equipment while preserving cash for other operating needs.
Trade Finance
Combine Invoice Finance with this solution to pay suppliers upfront without using your own working capital.
Debtor Protection
Help protect the business against customer default.
These solutions can strategically combined to create a comprehensive working capital solution around your client’s business needs.
Partner with Earlypay
When a client is ready to explore their options, Earlypay can work with you to understand what is changing in the business, assess potential funding gaps and consider the most appropriate solution.
You remain part of the conversation while we help your client prepare for what comes next.
