{"id":382,"date":"2026-02-21T01:53:25","date_gmt":"2026-02-21T01:53:25","guid":{"rendered":"https:\/\/simicfinancial.com\/?p=382"},"modified":"2026-03-03T05:05:52","modified_gmt":"2026-03-03T05:05:52","slug":"master-cash-flow-and-debt-advice-for-electrical-contractors","status":"publish","type":"post","link":"https:\/\/simicfinancial.com\/fr\/master-cash-flow-and-debt-advice-for-electrical-contractors\/","title":{"rendered":"Master cash flow and debt: advice for electrical contractors"},"content":{"rendered":"\n[et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.5″ _module_preset=”default”][et_pb_row _builder_version=”4.27.5″ _module_preset=”default” theme_builder_area=”post_content” link_option_url=”https:\/\/gemcell.com.au\/news\/what-is-good-debt-for-business\/?fbclid=PAVERFWAQDPrJleHRuA2FlbQIxMQBzcnRjBmFwcF9pZA8xMjQwMjQ1NzQyODc0MTQAAafP1EoT7o1b3xWrpT6iMyfiqnNYFCHahwdcWk2WpttViCCQM7Lvr66MZvEHEg_aem_q_3HTE2v3a55TZsAlQJBNQ” link_option_url_new_window=”on” hover_enabled=”0″ sticky_enabled=”0″][et_pb_column _builder_version=”4.27.5″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]

Master cash flow and debt: advice for electrical contractors<\/h1>\n
February 18, 2026<\/span><\/div>\n
\"Master<\/div>\n
\n

<\/a>We sat down with Tom Simic, Principal CFO Advisor\/Director at\u00a0<\/span>Simic Financial<\/a>\u00a0<\/span>and the\u00a0<\/span>CAANZ<\/a>\u00a0<\/span>Young Accountant of the Year 2025, to discuss the complex financial challenges faced by electrical contractors. From navigating the brutal cash flow cycle to mastering the use of business credit and distinguishing between good and bad debt, Tom breaks down the golden rules for keeping your business financially healthy.<\/p>\n

<\/a>Let\u2019s dive in with business credit cards \u2013 how can they help electrical contractors who might need to buy a lot of supplies up front but can\u2019t invoice for 30-90 days?<\/h2>\n

The best use is for small, short-term funding, paid back before interest accrues \u2013 within the 44-55 day period. It\u2019s important to avoid letting the balance grow so large you\u2019re unable to clear it before that period ends. This works if your accounts receivable days are less than 45 days. Longer than that, and it quickly erodes your job margin. For example, some \u2018shift loans\u2019 are deceptive, offering 3%\u00a0<\/span>per month<\/em>, which is 36% annually. If a job\u2019s margin is only 10%, a 12% interest cost over four months eliminates all profit. Using a credit card interest-free allows you to scale jobs quickly, using the bank\u2019s money instead of your own.<\/p>\n

<\/a>What tactic would you recommend for managing that 44-55-day process?<\/h2>\n

Automate the repayment so you don\u2019t have to monitor it constantly. For significant balances, however, you may want more manual control. And always be wary of letting the amount blow out. For example, if you\u2019re putting staff wages or equipment on the card, and the repayment is automated, you risk having nothing in the bank account on the due date. Also, avoid relying on a single job\u2019s payment to cover a large credit card balance; if that payment fails, you\u2019re in serious trouble.<\/p>\n

<\/a>Speaking of debt, how do you define good debt and bad debt?<\/h2>\n

Good debt is anything that positively contributes to earning more revenue and can be paid off quickly. For example, if you know a $100,000 payment is guaranteed in two days, taking a short-term debt to do extra work that boosts the payment to $150,000 is good debt. The clear intention is to generate better income, and you can clear the debt within a short timeframe. Bad debt is long-term debt (like the 36% loan), debt used to fund your own wage, or debt used for lifestyle. Generally, it\u2019s any debt where the interest rate isn\u2019t better than the return you\u2019ll get.<\/p>\n

<\/a>You mention lifestyle spending there, things like holidays and lunches out. Can electrical contractors use a business credit card for this too?<\/h2>\n

That\u2019s not something I\u2019d recommend \u2013 keep all lifestyle spending separate. Set up a clear wage or dividend policy so the business pays you an established salary. All personal spending then comes out of that personal pay. The business must operate as its own entity and its own account to avoid issues, especially with\u00a0<\/span>ATO<\/a>\u00a0<\/span>debts.<\/p>\n

<\/a>Using a credit card to pay off other credit is often referred to as the \u2018danger zone\u2019. How can electrical contractors avoid this?<\/h2>\n

The ATO has recently effectively encouraged using a loan to pay off tax debt.<\/a>\u00a0<\/span>The short-term positive is that you can use the 55-day interest-free period for tax payments, especially if payments are incoming soon. Any longer, and the high credit card interest rates (18-25%) are problematic. For longer-term needs where you anticipate fluctuating into debt over a year or two, getting a regular bank overdraft is far more efficient. Overdraft rates are much lower, around 14%, and you only pay interest on the amount drawn down, making it a cheaper option than a credit card or short-term loan.<\/p>\n

<\/a>Are there any other \u2018golden rules\u2019 for managing credit that we might not be aware of already?<\/h2>\n

Clear your balance every month to avoid interest. Be careful with high-fee AmEx cards; the annual fees can outweigh the value of the points. Services like\u00a0<\/span><\/a>pay.com<\/a>\u00a0<\/span>allow you to pay ATO debt with a credit card for points, but the 1-2% surcharge often cancels out the value of the points, making its primary benefit the free 55 days of credit. Finally, gradually increase your credit card usage; don\u2019t immediately put a large amount on the card the first time you use it.<\/p>\n

<\/a>What are the key questions that electrical contractors should be asking their accountants each time they catch up?<\/h2>\n

Ask for your average margins: gross profit margin and net profit margin. This is crucial for understanding your business. However, you shouldn\u2019t rely on a tax accountant for this data. Most only see their accountant once a year, and the data they review (the tax return) is three to 15 months old. This old data is useless for making current business decisions. You need to self-educate or seek advisory services to figure this out, as most tax accountants don\u2019t know what\u2019s in your bank account or provide real-time strategic advice. This is why CFO advisory services, which offer day-to-day, year-round business support, are becoming essential.<\/p>\n<\/div>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"

Master cash flow and debt: advice for electrical contractors February 18, 2026 We sat down with Tom Simic, Principal CFO Advisor\/Director at\u00a0Simic Financial\u00a0and the\u00a0CAANZ\u00a0Young Accountant of the Year 2025, to discuss the complex financial challenges faced by electrical contractors. From navigating the brutal cash flow cycle to mastering the use of business credit and distinguishing […]<\/p>\n","protected":false},"author":3,"featured_media":42,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[20],"tags":[],"class_list":["post-382","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vcfo"],"yoast_head":"\nMaster cash flow and debt: advice for electrical contractors - Simic Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/simicfinancial.com\/fr\/master-cash-flow-and-debt-advice-for-electrical-contractors\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Master cash flow and debt: advice for electrical contractors - Simic Financial\" \/>\n<meta property=\"og:description\" content=\"Master cash flow and debt: advice for electrical contractors February 18, 2026 We sat down with Tom Simic, Principal CFO Advisor\/Director at\u00a0Simic Financial\u00a0and the\u00a0CAANZ\u00a0Young Accountant of the Year 2025, to discuss the complex financial challenges faced by electrical contractors. 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