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Business guides
Starting your first business? We're here to help

We want your business to thrive. We understand that you need to invest time in planning your operations and determining your vision. This will help you decide where you want to take your business it in the short, medium and long term as well as how to get the most out of the resources you have.

Our business guides

The How to start a business guide covers the essentials for starting a new business. Topics include:

  • Preparing to open your business
  • Registering your business name
  • Business structure
  • Your business plan
  • Start-up and on-going costs
  • Your finance options
  • Taxation, legal and compliance checklist
They also cover a range of topics including:
  • Planning, people, cash flow, growth, investments and expanding into e-business
  • How to conduct your own free business health check
  • Understanding business better, so you can take your business where you want it to go.

Business planning

The following sites offer useful tips, templates, links and other information:

Business licences

There are Business Licence Information Services in each capital city which can tell you what sort of permit, licence or registration your business will need.

State Governments

Each state and territory government provides information and resources for businesses:

If you're looking to grow or just stay on track, we can help

Business guides

Have you moved from being an employee to a business owner without having time to learn the necessary business management skills? Here's a selection of tools and information to help set your business up for success.

Managing people

It doesn’t matter what kind of business you’re starting, your staff will always be one of your most important assets. Managing them effectively can ensure that your business runs efficiently. Building a team and fostering a good work ethic requires strong leadership qualities and knowledge of basic HR practices.

Useful links on managing people:

To help you we also have the following human resourcing guides:

Increased sales and profitability could be around the corner with our help

Working out the best way to market your business can be tricky. We’ve pooled expertise from ActionCOACH to put together information about developing an effective marketing strategy. We cover boosting customer loyalty, low-cost advertising using direct mail and online marketing.

Marketing eBooks

Marketing templates

Marketing articles

Useful links

  • Digitalbusiness - an Australian guide to doing business online
  • Austrade is the Australian government trade commission, providing information and assistance for exporters and companies wanting to do business in Australia.
A simple 3-step approach to manage your business cash flow

Even a profitable business can fail because of poor cash flow, which almost all businesses experience from time to time. Managing your cashflow is critical to running a successful business and we want to see your business flourish and grow. To help you run things more efficiently, we’ve assembled a range of information to guide cashflow management.

Our simple three-step approach

1. Cash flow planning and projection

We've got some great tools to help with cash flow forecasting. Download the cash flow forecast spreadsheet and an article on keeping on track with KPIs.

2. Getting paid sooner

Invoice promptly, and actively manage your debtors as soon as payment is due. To get more cash coming into the business you can also consider:

  • Reducing your terms of trade so you're paid sooner (e.g. offer a discount for fast payment).
  • Increasing your net profit, by either increasing your sales price or reducing your costs of sale or operating expenses.

3. Keeping the business running

There's a range of finance options to help you when cash flow is tight. You can use business credit cards to cover short-term cash shortfalls. Try our BusinessVantage Visa® Credit Card.

  • An overdraft, which can be secured or unsecured.
  • A line of credit (e.g. using the equity in your home or business).
  • Keeping an emergency cash reserve in a high interest, at call account.

How can we help?

St.George can help your business with cash flow in a number of ways, including:

  • Payment solutions, comprising EFTPOS, major credit card and BPAY® facilities.
  • Business credit cards.
  • Business overdrafts, secured or unsecured.
  • Flexible home or business loans.
  • A range of competitive at call accounts, plus competitive term deposits.