Why Waiting for Payment Kills Businesses Why a New Cash Flow Category Had Exist "Transaction Credit" Cash flow isn’t broken because businesses are bad at managing money. It’s broken because money moves too slowly. The Silent Cause of Business Failure Across Australia, profitable businesses are collapsing, not because they lack customers, demand, or ambition, but because time is working against them . 1. Cash‑Flow Is the #1 Risk for Australian SMEs Nearly 80% of Australian SME