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Spoiler alert - proactive client payment policies are the secret sauce to improving your cash flow

Bankruptcy and corporate collapses were the highest ever recorded in Australia in 2012, with only 5% ever paying a dividend. On top of this many more businesses and individuals entered formal debt arrangements.

So what are the typical warning signs?

It seems to be all the rage, and has been for a while, to offer interest free finance, particularly in retail. But there are, as always, pitfalls to be avoided.