Thinking about making a big purchase or growing your headcount over the coming year? Whatever your goals are, here’s a heads-up on some smart small business money tools to help fund your next step.

A new year comes with new opportunities in business. But the challenges still remain: rents are up, inputs are pricier, customers are more selective.

It’s time to set some ambitious goals to move with the times – new equipment, a bigger team, a refreshed fit-out.

But the question isn’t just what to invest in, it’s how to fund it while still managing your cash flow. Having the right tools in your arsenal can help you stage payments and keep momentum going when you’re on a timeline. Let’s look at a few.

1. Split up big purchases into equal monthly instalments

Business buys – think an upgraded coffee machine for your café or laptops for your growing dev team – don’t have to land as one hit to your working capital. American Express Plan It® Instalments¹ is a feature on American Express Business Credit Cards that lets credit card members pay off transactions – or a portion of their balance – in equal monthly payments with no interest and just a fixed monthly fee.

Example: A hair salon upgrading chairs and basins can spread out those costs over several months, matching repayments to peak booking periods rather than draining their December cash reserves.

2. Make your working capital more flexible

Even with careful planning, expenses don’t always line up with receivables. For American Express® Business Charge Card Members, Flexible Payment Option (FPO) helps free up cash flow by paying off your charge card balance over time (up to your FPO Limit)². So rather than paying the full closing balance every statement period, you can carry a portion of your balance from month to month.  T&Cs and interest charges apply.

Think of it like an instant line of credit you can tap into when payroll, rent, stock and other expenses all collide in the same week.

Example: A tradie who’s fronting materials for a larger job can lean on Flexible Payment Option to bridge the gap until the client payment clears, rather than dipping into emergency funds.

3. Work supplier payments to your timeline

Runway is as much about timing as it is about revenue. When you pay suppliers by card, some business cards offer interest-free days to pay for purchases (depending on the card you hold, when the transaction is made and when your statement is due).

Matching your supplier outgoings with customer inflows can give you some much-needed breathing room.

Example: An e-commerce brand can order inventory for a new product drop, make sales and then settle on a statement.

4. Tighten expense control – without slowing the team

Growth can sometimes bring ‘leakage’ – we’re talking duplicate software subscriptions, unused seats, ad spend drift and more. All those rolling bills that you don’t notice coming out of your cost base (often quietly chugging away via direct debits).

So, why not pair your accounting platform with card feeds and clear limits to see what you’re spending in real time? You can issue employee cards to trusted staff and track their spending by category to spot any ‘leaks’ early on.

The result? Faster reconciliation and fewer reimbursement issues.

Example: A multi-site café group can give venue managers their own cards for repairs and consumables, then review weekly spending across locations to catch outliers before they become trends.

Your game plan to start putting it together in 2026

1. Write down all the growth moves you want to make (equipment, headcount, marketing, fit-out).
2. Map out the timing – when cash leaves versus when revenue lands.
3. Review everything quarterly so you can adjust your plans as the business’s costs and demands change.

These are pragmatic ways to control timing, which will be the difference between seizing a 2026 opportunity or it turning into “maybe next year”.

Find out more about American Express flexible payment solutions to help you take the next step.

This article is brought to you by Business Builders in partnership with American Express.

¹Plan It® Instalments

• You can create an Instalment Plan as long as your account is in good standing. We may prevent you from creating any new Instalment Plans or cancel any of your existing Instalment Plan(s) at any time if your Card Account is overdue, or if you do not comply with your Card Conditions.
• The minimum Plan amount is AUD$100. We may also limit the amount that can be transferred to an Instalment Plan.
• You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be disclosed to you at the time of creating your Instalment Plan.
• Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account.
• Payment of your first Monthly Instalment will be due in your next payment cycle.
• You may request to cancel your Instalment Plan(s) at any time through your Online Account or the Amex App. Any billed Monthly Plan Fees will remain payable, but no further Monthly Plan Fees will be billed after cancellation is effective. As cancellation can take 24-48 hours to process (“Processing Time”), you may be charged a further monthly plan fee after requesting cancellation if the Processing Time occurs on your payment date.
• View the full Plan It® Instalment Terms and Conditions here.

² Flexible Payment Option
With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current interest rate. Please refer to the full Flexible Payment Option Terms and Conditions