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Our team

Peter Radford : Principal

Peter holds a Bachelor of Business (Accountancy & Finance) and is both a Registered Tax Agent and Fellow of the Institute of Public Accountants. Peter is also a Justice of the Peace (C.Dec).

Having 42 years experience in the accounting industry, with 16 years working in public practice you can be assured of Peter’s knowledge of taxation and small business expertise.

Contact: peter@radfordtax.com.au

Donna Irwin : Accountant

Donna has extensive expertise, experience and knowledge in accounting and taxation, having worked in public practices for over 29 years.

Donna is a specialist in preparing individuals, contractors and all business entities Tax returns, financial statements and Business Activity Statements.

Contact: donna@radfordtax.com.au

Neil Radford: Accountant

Neil is a Certified Practising Accountant (CPA) with over 11 years experience in public practice. He holds a Bachelor of Business (Accountancy and E-commerce) and is a Registered Tax Agent. Neil is a QuickBooks Online Certified Pro Advisor and a Justice of the Peace (C.Dec).

Neil is experienced in individual and business taxation, fringe benefits and capital gains with a particular interest in SMSF’s and Business Planning.

As an Authorised Representative of the SMSF Advisers Network Pty Ltd, Neil is able to help you with your superannuation and self managed superannuation funds needs.

Authorised Representative No 124 7494 of
SMSF Advisers Network Pty Ltd
AFSL No. 430062 ABN: 64 155 907 681

In order to provide personal advice to our clients in relation to superannuation and self managed superannuation funds, Radford Financial Advisory Services (QLD) Authorised Representative No 124 7493 has chosen to be authorised through the SMSF Advisors Network Pty Ltd (SAN) – the Australian Financial Services Licence of the National Tax and Accountants’ Association Ltd (NTAA).

Contact: neil@radfordtax.com.au

Mary Radford: Receptionist

Mary has worked at Peter Radford Accountant and Tax Agent since its commencement in 2001. You can be guaranteed of Mary’s warm welcome to greet you when you arrive at our office.

Contact: info@radfordtax.com.au

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Short-term vs long-term financing

Posted on August 18, 2019 by admin

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 financing available, with each being useful for different situations. Choosing the right source and mix is key for good cash flow, with financing options often being classified into two categories based on time period: short-term and long-term. To find the right plan for you, determine your needs and then match a financing option to meet those needs.

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

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.

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