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Fluxis Data you can trust. Decisions you believe in.

We work with small and mid-sized businesses doing $250k+ in gross revenue who want clarity on their numbers, confidence in their decisions, and a path to sustainable growth.

Your pay was whatever was left over.You run payroll on a Thursday. Everyone gets paid, including you.Except you're not a...
25/10/2026

Your pay was whatever was left over.

You run payroll on a Thursday. Everyone gets paid, including you.

Except you're not an amount. You're what's still in the account on Friday.

Your accountant can tell you roughly what that number was this year. But ask yourself a harder question: did you decide it, or did it just happen?

New data suggests it's happening to most owners. In the COSBOA and Square State of Small Business Report 2026:

Only around 1 in 4 owners paid themselves more than a year ago.
About the same share paid themselves less.
2 in 5 are working more hours.
1 in 4 worked longer for pay that was flat or lower.

And the typical business grew revenue 3.9% against inflation of 3.8%. Holding ground, not getting ahead.

So the business kept running. The owner's wage just didn't keep up with the owner's hours.

Here's the change.

Your pay isn't a leftover. It's a line.

Put your wage in the forecast like any other cost, as an amount you chose. Then run the numbers against real pricing and real margins.

If they can carry it, pay it and stop feeling guilty about it.

If they can't, that's not a pay problem. It's a pricing or margin problem, and now you can actually see it.

Want the line to be a number you picked, not what survived the month?

DM PAYDAY and we'll help you set it properly.

Source: COSBOA and Square, State of Small Business Report 2026, based on Square data from hundreds of thousands of Australian sellers and a survey of 608 small business owners.

The surcharge is gone. The fee isn't.You take a card payment. Nothing extra appears on the customer's receipt. It feels ...
23/10/2026

The surcharge is gone. The fee isn't.

You take a card payment. Nothing extra appears on the customer's receipt. It feels like the end of it.

It isn't. Since 1 October, the RBA has banned card surcharges on eftpos, Mastercard, Visa and Amex, in store and online. The merchant fee still leaves your account every month. It's just no longer a line anyone can see.

One Sydney cafe owner told the ABC his group pays about $150,000 a year in merchant fees. He's held the price of his coffee and raised other menu items instead.

Another owner is absorbing it for now, with a price rise planned for the new year.

That's the real decision. Someone pays. Either a price carries it, or your margin does.

Start with a number, not a feeling. Pull twelve months of merchant fees and divide them by revenue. That percentage is what your pricing now has to carry.

Then decide where it sits. The ACCC allows discounts for a payment method, as long as the full price is shown and the discount is clear before anyone pays. What it doesn't allow is quietly renaming the charge.

DM FEES and we'll work out what your card costs are really doing to your margin.

Source: ABC News, 11 October 2026; RBA card surcharge ban, effective 1 October 2026.

A rate rise can feel like a blip, until it quietly eats into your margin.You check this month’s numbers. Your margins lo...
20/10/2026

A rate rise can feel like a blip, until it quietly eats into your margin.

You check this month’s numbers. Your margins look much like last month, so the higher loan cost doesn’t seem urgent.

But the cash cost is real, even when it’s easy to overlook.

The RBA’s October 2026 Financial Stability Review reports the cash rate rose by 100 basis points in 2026, to 4.60%. Smaller businesses can feel higher rates sooner because many have variable-rate loans, often secured against residential property.

Passing on higher costs isn’t always simple. RBA liaison found price sensitivity can limit what businesses can pass on: it’s easier in transport and construction, and harder in discretionary retail and hospitality. Overdue trade credit also points to greater cashflow pressure for smaller businesses.

Don’t absorb the increase by default.

Calculate what it costs you each month. Then choose whether to reprice, restructure or absorb it, with a clear number attached.

DM COST to get clear on what the change means for your cashflow.

Your loan is smaller. That's the tell.Average new SME loans fell 20% in the June quarter.Not because owners stopped borr...
18/10/2026

Your loan is smaller. That's the tell.

Average new SME loans fell 20% in the June quarter.

Not because owners stopped borrowing.
Because what the money is for changed.

Growth capital buys equipment, opens locations, hires ahead of demand.

Survival money covers wages and supplier invoices until the next cycle lands.

Same bank account. Completely different business.

The number that matters isn't the loan size.
It's what the borrowed cash is actually doing 90 days from now.

If it's buying time, you need a plan for when time runs out.

DM BORROW and we'll pressure-test what your next dollar should do.

Source: Banjo Loans, reported by Mortgage Professional Australia, September 2026.

Money is getting faster. Cost is getting quieter.1 in 3 Australian SMEs borrowed outside the banks in the past 12 months...
16/10/2026

Money is getting faster. Cost is getting quieter.

1 in 3 Australian SMEs borrowed outside the banks in the past 12 months.
61% now plan to fund their next move with a non-bank lender.
Only 31% will start with a bank.

Fast money solves today. Cost decides whether it was worth it.

Before signing for working capital, ask three things:

What is the annualised cost, not the weekly rate?
What does it do to your margin at your actual volumes?
What happens if collections slip by a month?

Speed is a feature. Knowing the full cost is the decision.

DM COST and we'll run the numbers before you sign.

Source: ScotPac SME Growth Index, 25th edition.

A 10% price rise can still leave your business poorer.Gross profit is the dollars left after direct costs.Gross margin i...
13/10/2026

A 10% price rise can still leave your business poorer.

Gross profit is the dollars left after direct costs.
Gross margin is that gross profit as a percentage of sales.

Both matter. And neither tells the whole story on its own.

Say you sell for $100 and direct costs are $60. That’s $40 gross profit per sale.

Raise the price to $110, with costs unchanged. Gross profit becomes $50 per sale.

So how many sales can you afford to lose?

$40 ÷ $50 = 80%. You can lose up to 20% of sales before total gross profit falls below where it started.

That’s the break-even point, not a prediction of what customers will do. Check your actual costs, sales mix and likely volume change before deciding.

A simple margin check can turn a price change from a guess into a decision you understand, and protect the profit you’re working hard to build.

DM MARGIN and we’ll help you see what your numbers are really saying.

99% of companies changed their prices last year.Only about half are confident they understand the impact on their margin...
10/10/2026

99% of companies changed their prices last year.

Only about half are confident they understand the impact on their margins.

And 62% lost customers as a result.

That’s what reactive pricing can cost.

A price increase might look like a win. But once you account for the direct cost of delivering your product or service, the extra profit may be smaller than you think. And if customers leave, the numbers can shift again.

Before changing a price, test two things:

What happens to your gross margin after direct costs?

How many customers can you afford to lose before the change stops paying off?

Don’t price on instinct. Measure the trade-off, then decide with your eyes open.

DM PRICING to make your next price change with the numbers behind it.

A budget is a wish.A forecast is a warning light.Most founders have one and call it the other.A budget says what you'd l...
06/10/2026

A budget is a wish.

A forecast is a warning light.

Most founders have one and call it the other.

A budget says what you'd like to happen.

A forecast says what happens if nothing changes.

One keeps you hopeful. The other keeps you solvent.

If your numbers can't tell you where cash lands in 90 days, you don't have a forecast. You have a hope.

We build forecasts you'll actually use.

Book a clarity call.

The label won't save your cash flow.Fractional CFO, virtual CFO services, outsourced CFO services: they all sound like t...
04/10/2026

The label won't save your cash flow.

Fractional CFO, virtual CFO services, outsourced CFO services: they all sound like the answer.

They're just different ways of saying how much of the CFO you use and how the work gets delivered.

The real question is depth. How far will they go?

Cash flow forecasting you'll actually use. Pricing that protects your margin. Someone who spots the leak before it floods the business.

From 1 July 2026, Payday Super means super hits every payday. The timing gap is gone.

20+ years. $5M+ in profit gains delivered.

Stop comparing labels. Book a clarity call.

https://www.fluxis.com.au

Bluevine data: 3 in 4 say it’s worth it. Yet 56% face a cash-flow crisis in 3 years, and 27% report more stress than exp...
04/10/2026

Bluevine data: 3 in 4 say it’s worth it. Yet 56% face a cash-flow crisis in 3 years, and 27% report more stress than expected. It’s a visibility problem, not an effort problem. Start with the Profit Playbook.

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Grevillia Street
Byron Bay, NSW
2479

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+61290526306

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