Cash Flow & Business Health
Know where the business stands. Before the bank tells you.
SubbieTRAC is not an accounting package. It keeps the books that fall out of the work — claims, bills, payments, pay — and turns them into the two things a subcontractor actually needs: a weekly cash-flow forecast and an honest read on the health of the business. Your accountant gets the rest, in the shape they want it.
What is here
01 / Cash flow
See the bank balance before it happens.
Every outstanding invoice coming in, every bill and standing cost going out, and the running balance at the end of each week — from today to three months out, starting from what is actually in the bank.
- Opening balance estimated from your bank accounts; closing balance and the lowest point, with the date it lands
- Every outstanding invoice with its expected pay date — an estimate you can correct as the client tells you more
- Bills and payables on their due dates, so the out-goings are real rather than a guess
- Income and expense forecasts added on top for the things not yet invoiced or billed
- Filter by project or client, and set how far ahead to look
- A phone number on the row — the invoice that decides next week’s balance is one call away
02 / Business Health
An early warning, not an autopsy.
An ongoing read on your cash, your clients, your projects and your people. It starts with a few minutes of questions, then keeps checking as the real figures build up — and tells you when something is starting to go wrong, while there is still time to do something about it.
- A first baseline in minutes — health, risk and resilience, with a data-confidence rating beside it
- As invoices, payments, payroll and project data build up, the picture is checked in the background against what you said
- Forecasts ahead, stress-tests your exposure to each client, and flags developing issues early
- Five measures on the dashboard — liquidity, profit margin, getting paid, paying on time, net position
- Client-spread warnings on the projects and invoices registers, where a single client is too much of the book
- Works on your own records, inside your own account — an early-warning guide to running a stronger business, not accounting or insolvency advice
03 / Commitments & compliance
What leaves the account on its own, and the paperwork builders ask for.
The standing instructions the business has authorised, and the insurances, licences and certificates every builder wants to see — both kept current in one place, so neither is a surprise.
- Direct debits — what is paid to whom, how often, how long for, and when the next one leaves
- Committed per month and due in the next 30 days, so the cash-flow forecast already knows
- Compliance documents — public liability, workers compensation, licences, white cards, SWMS, inductions and the rest
- Tick what is on file, set the expiry and who checked it; see what is current, expiring or lapsed
- The same records the Site app, the claims and the tender documents draw on
04 / The books, kept light
The books fall out of the work. You tidy the edges.
SubbieTRAC is not an accounting package. Claims, bills, payments and pay already post to a ledger because they happened here — what you add is the part it cannot see for itself: the bank statement, the odd journal, the asset you bought.
- Bank recs — drop the statement (PDF, CSV, OFX or QIF), type the two bank figures, tick what appears, and drive the difference to zero
- Lines come from the invoices, bills and journals already in the system; open one to change it
- An asset register — purchase, depreciation, compliance, expenses and history — that is also the site asset register
- Journals and a chart of accounts for the rest, when your accountant asks for them
- Some of this is manual, and the page says so — the point is that most of it is not
05 / Your accountant
Hand your accountant the figures, not a shoebox.
SubbieTRAC is the system of record. The Accountant Hub turns its figures into the shape your accountant needs — to key into MYOB or whatever they run, or to check against — for any quarter or period.
- A BAS entry sheet — G1, 1A, 1B, W1, W2 and the rest — computed from the ledger and your finalised pay runs, with what each label is in plain words
- An accountant pack — the full general ledger and a trial balance as CSVs, for the period
- Payroll summaries — STP and super contribution figures per employee, from finalised pay runs, to check a lodgement against
- Nothing here lodges anything; your accountant or your lodgement channel does that, from these figures
- Print the sheet, or send them the files
Outside Australia?
Everything except the Australian tax pieces works wherever you build.
BAS, PAYG and super are Australian, so the Accountant Hub’s tax figures are too. Cash flow, Business Health and everything else in SubbieTRAC are not. We are launching in Australia first and aim to open other countries from late 2026 — tell us where you are and we will let you know when yours is ready.
Also for Accounting
The dashboard and the reports have pages of their own.
- What's UpThe Accounting dashboardThe morning screen for this module — the numbers that matter, and every tile a click from the register behind it. See the Accounting row
- ReportsFinancial reports, read live from the ledgerFilter in place, then export or print to PDF — for the Monday meeting, the bank, or the question of why last quarter went the way it did. See the Accounting row
Ready to see next month’s bank balance today?
Bring the work into SubbieTRAC and the cash-flow forecast and Business Health read come with it — no second system to keep.
No credit card required. We’ll set up your account and send your login details.