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P. 02 4297 0066 | E.

By Nikita Sergey (Own work) [CC BY-SA 3.0 (], via Wikimedia Commons


Accounting Professionals is a collaborative, innovative and energetic firm in Shellharbour City Centre, located in the Illawarra. Our point of difference is our preparedness to examine our clients’ businesses, understand how they work, identify how they can be improved and to partner with them during the change and implementation process. The overriding focus of our firm is to assist our clients implement sound organisational infrastructure, robust financial management frameworks and ultimately to be more successful.

Most people accept that they need an accountant for taxation and keeping their books up to date. Accounting Professionals is more than just accountants. We believe in becoming an integral part of our clients business and personal strategies.

Our professional and highly trained staff are dedicated to providing specialised services to conquer any challenges in pursuit of financial independence. We help our clients proactively manage assets and liabilities, critically examine the way they do business, focus on key success factors and help effect change within the business to facilitate growth, increase profitability and improve cashflow.

Our firm has the ability & resources to provide ongoing services to businesses and business owners. We have been operating for 15 years and have built a reputation on the basis of a long term commitment to the success of our business clients.


Our goal is to ensure our clients perceive us as their primary business advisors and value us as their business partners and advisory consultants. The resources we use include highly educated and well-trained accountants and business consultants working with clients as part of their management team.

Professional development, training, exemplary standards of service and professional ethics ensure our firm’s expertise remains at the highest level.


Our firm continues to be actively involved in numerous local business & community groups, including: –

Through our experience in conducting various business improvement workshops and training sessions we have access to a vast array of specialist business service providers that are capable of complementing our services, including business law specialists and human resource service providers.

Client Testimonial

We have had a 6 year relationship with Garry Pinch and Angela Hales at Accounting Professionals. They have not only managed our business and self funded superannuation taxation obligations but have helped guide us through the transition into new business, investment and taxation managment issues. They have been extremely professional and helpful and pre-emptive in their work with us and our affairs. It has been reassuring for us knowing that they have a good handle on all our business and always sum up things in a ‘nut shell’ making what is complicated understandable. We highly recommend their services.

Alex & Susan Petersen


Short-term vs long-term financing

August 17, 2016

Maintaining healthy cash flow can be challenging; between ongoing expenses and bills, poor cash flow can severely impact your customers, staff and bottom line.

Business owners need to understand the differences between short and long-term financing when developing a cash flow strategy.

There are various sources of finance available and each source of finance is useful for different situations. Choosing the right source and mix of financing options is crucial for good cash flow, so it is important to first determine your needs and then match a financing option to meet those needs.

Financing options are often classified into two categories based on time period: short-term and long-term. Below are the key differences:

Short-term financing
Short term financing (working capital financing) relates to the finance needs that arise to finance current assets – for a period of less than one year. Working capital is used in the business’ day-to-day trading operations. Short-term financing can help you to pay suppliers, increase inventory and cover expenses when you do not have sufficient cash on hand.

Depending on your business’ requirements you might consider using one of the following options:

Overdraft: extends your cash resources and protects your business’ credit rating.
Line of credit: funding when you need it, to be paid back when you have surplus cash – offering flexibility, value and control.
Business credit card: a convenient, fast payment method.

Long-term financing
Long-term financing options can help you invest in overall improvements to your business, for a period of more than 5 years. Capital expenditures, such as upgrading equipment, buying additional vehicles and renovating are funded using long-term sources of finance.

Businesses can use one of the following options:
Leasing: structuring a lease to match the useful life of the asset. This will help to preserve your cash and working capital for other uses.
Term loans (from financial institutions, government and commercial banks): allows you to accurately forecast your monthly cash flow through regular monthly payments.

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