Liquiditätsengpässe durch langsame Auszahlungs- und Abstimmungsprozesse

Definition

Payment processors differ substantially in settlement speed and reconciliation capabilities; local Australian providers emphasise fast settlement and automatic reconciliation with accounting tools like Xero, QuickBooks and others.[1][4][5] When agencies pay freelancers and vendors on short terms but receive client funds later due to slower card settlement or poor matching of payments to invoices, they bridge the gap using overdrafts or short‑term credit. At an overdraft interest rate of 10–15% p.a., maintaining an average negative working capital position of AUD 50,000–200,000 tied to un‑reconciled or slow‑settling payments costs roughly AUD 5,000–30,000 per year in interest alone. Manual reconciliation of vendor payments and client receipts, often done in spreadsheets, can easily consume 0.25–0.5 FTE of a finance staff member, or AUD 10,000–25,000 in salary cost. Local platforms that provide automatic bank feeds and invoice‑level reconciliation substantially reduce this burden.[1][4][5]

Why This Matters

The Pitch: Marketing agencies in Australia 🇦🇺 lose AUD 5,000–40,000 annually on overdraft interest and admin hours caused by slow settlement and manual reconciliation. Automating payout timing and bank–ledger reconciliation reduces cash‑flow drag and financing costs.

Affected Stakeholders

Finance managers, Accounts receivable and payable staff, Agency owners, Controllers

Related Business Risks