--- title: 4 tips to maintain or reduce your business debt [infographic] description: James shares an infographic featuring four tips for managing or reducing debt to maintain a healthy cash flow. image: https://blog.jpabusiness.com.au/hubfs/3.%20Infographics%20and%20cheat%20sheets/4%20tips%20to%20maintain_reduce%20business%20debt.png --- 07 June 2022 # 4 tips to maintain or reduce your business debt [infographic] WRITTEN BYJames Price | JPAbusiness ![Inventory 002](https://blog.jpabusiness.com.au/hs-fs/hubfs/1.%20Images/1.%20Stock%20Images/Inventory%20002.jpg?width=588&name=Inventory%20002.jpg) Business owners looking to drive their business forward need to be aware of their capital base and liquidity for working capital and investment purposes. Critical to this is maintaining a strong cash flow. The infographic below contains four of our top **tips **for managing business debt and maintaining a healthy cash flow. **** [![4 tips to maintain_reduce business debt](https://blog.jpabusiness.com.au/hs-fs/hubfs/3.%20Infographics%20and%20cheat%20sheets/4%20tips%20to%20maintain_reduce%20business%20debt.png?width=550&name=4%20tips%20to%20maintain_reduce%20business%20debt.png)](https://blog.jpabusiness.com.au/hubfs/3.%20Infographics%20and%20cheat%20sheets/4%20tips%20to%20maintain_reduce%20business%20debt.pdf) Cash flow is important whether you choose to fund your business’ working capital needs with cash or a line of credit. In the case of seeking credit from a bank, maintaining a healthy cash surplus will **positively influence the bank’s view of your loan’s serviceability**, which may result in: - less onerous loan conditions and covenants - more flexible financing options - improved cost of borrowing. We have a number of free resources containing more advice on this topic: - [Managing your banking relationship](https://blog.jpabusiness.com.au/operator/managing-your-banking-relationship) ebook - [Managing cash flow and working capital](https://blog.jpabusiness.com.au/operator/managing-cash-flow-and-working-capital) ebook -  [Working Capital Checklist](https://blog.jpabusiness.com.au/operator/working-capital-checklist) template. The JPAbusiness team offers a range of business advisory services that can help with cash flow management, including assessing and offering advice on your current business systems and processes. [Contact](https://landing.jpabusiness.com.au/contactus) the team for a confidential, obligation-free discussion. ![Managing cash flow and working capital cover 2022](https://blog.jpabusiness.com.au/hubfs/Managing%20cash%20flow%20and%20working%20capital%20cover%202022.png) Free ebook Managing cash flow and working capital Learn how to effectively manage cash flow and working capital – with a particular focus on inventory – to achieve both day-to-day success, and long-term business value. [View ](https://blog.jpabusiness.com.au/operator/managing-cash-flow-and-working-capital) Share this Article Share this blog post on Twitter [mailto:?subject=Share%20this%20blog%20post&body=https://blog.jpabusiness.com.au/blog/4-tips-to-maintain-or-reduce-your-business-debt-infographic](mailto:?subject=Share%20this%20blog%20post&body=https://blog.jpabusiness.com.au/blog/4-tips-to-maintain-or-reduce-your-business-debt-infographic) Copied to clipboard Topics - [cash flow ](https://blog.jpabusiness.com.au/blog/topic/cash-flow) - [working capital ](https://blog.jpabusiness.com.au/blog/topic/working-capital) - [infographic ](https://blog.jpabusiness.com.au/blog/topic/infographic) - [managing debt ](https://blog.jpabusiness.com.au/blog/topic/managing-debt) About James Price | JPAbusiness James Price has over 30 years’ experience in providing strategic, commercial and valuation advice to Australian and international business clients. James’ blogs provide business advice for aspiring and current small to mid-sized business owners, operators and managers. #### Related Blog Posts ### [How and when to monitor financial performance [free template]](https://blog.jpabusiness.com.au/blog/how-and-when-to-monitor-financial-performance-free-template) In our ebook Tips to improve financial and operational performance we examined the top 4 business... [Read more ](https://blog.jpabusiness.com.au/blog/how-and-when-to-monitor-financial-performance-free-template) ### [Identifying potential for growth (case study and testimonial)](https://blog.jpabusiness.com.au/case-studies/identifying-potential-for-growth-case-study-and-testimonial) Services provided by JPAbusiness: Business valuation Business advice Business background This... [Read more ](https://blog.jpabusiness.com.au/case-studies/identifying-potential-for-growth-case-study-and-testimonial) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "James Price | JPAbusiness", "url" : "https://blog.jpabusiness.com.au/blog/author/james-price-jpabusiness" }, "dateModified" : "2026-07-13T04:28:31.615Z", "datePublished" : "2022-06-07T20:00:00.000Z", "headline" : "4 tips to maintain or reduce your business debt [infographic]", "image" : [ "https://blog.jpabusiness.com.au/hubfs/3.%20Infographics%20and%20cheat%20sheets/4%20tips%20to%20maintain_reduce%20business%20debt.png" ], "mainEntityOfPage" : { "@id" : "https://blog.jpabusiness.com.au/blog/4-tips-to-maintain-or-reduce-your-business-debt-infographic", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.jpabusiness.com.au/hubfs/JPAbusiness-logo.svg" }, "name" : "JPAbusiness Pty Ltd" } } ```