--- title: Business Challenges description: Too often business owners spend too much time mastering the day-to-day detail. They can lose sight of the big picture.. --- [![](https://www.altusfinancial.com.au/hubfs/altus(Mar%202018)/phone_icon.svg)+61 2 8908 3444](tel:+61289083444)[Client Log In](https://www.altusfinancial.com.au/client-login) [![](https://www.altusfinancial.com.au/hubfs/A.Proposal%20Site/Logo_white.svg)](https://www.altusfinancial.com.au/) [![](https://www.altusfinancial.com.au/hs-fs/hubfs/altus(Mar%202018)/logo.png?width=194&name=logo.png)](https://www.altusfinancial.com.au/) ![exit.svg](https://www.altusfinancial.com.au/hubfs/altus(Mar%202018)/exit.svg "exit.svg") ##### Estate Planning in Australia: Essential Strategies ![Menu-Content-Offer-Estate-Planning.jpg](https://www.altusfinancial.com.au/hs-fs/hubfs/1.Offers/Menu-Content-Offer-Estate-Planning.jpg?width=136&name=Menu-Content-Offer-Estate-Planning.jpg "Menu-Content-Offer-Estate-Planning.jpg") An effective estate plan ensures a tax-effective transfer of assets after your death. [![VIEW CONTENT](https://no-cache.hubspot.com/cta/default/512115/505e9d24-8d3a-4150-99b0-9a17a2cf98a4.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/505e9d24-8d3a-4150-99b0-9a17a2cf98a4) #### What We Do ###### SUBSCRIBE TO THE ALTUS FINANCIAL BLOG Get weekly market news delivered to your inbox ![exit.svg](https://www.altusfinancial.com.au/hubfs/altus(Mar%202018)/exit.svg "exit.svg") ##### Retirement Planning Hub ![Menu-Content-Offer-retirement-hub.jpg](https://www.altusfinancial.com.au/hs-fs/hubfs/1.Offers/Menu-Content-Offer-retirement-hub.jpg?width=136&name=Menu-Content-Offer-retirement-hub.jpg "Menu-Content-Offer-retirement-hub.jpg") Helping you reach your retirement goals [![VIEW CONTENT](https://no-cache.hubspot.com/cta/default/512115/f8c27e59-e5e2-4162-8064-7453137f934a.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/f8c27e59-e5e2-4162-8064-7453137f934a) #### Personal ![exit.svg](https://www.altusfinancial.com.au/hubfs/altus(Mar%202018)/exit.svg "exit.svg") ##### Could Your Business Benefit from a Outsourced CFO? ![Altus Menu v 2 Personal.png](https://www.altusfinancial.com.au/hs-fs/hubfs/altus(Mar%202018)/Altus%20Menu%20v%202%20Personal.png?width=136&name=Altus%20Menu%20v%202%20Personal.png "Altus Menu v 2 Personal.png") With this all-new guide, you’ll learn about the Pros and Cons of more text to explain the offer here. [![VIEW CONTENT](https://no-cache.hubspot.com/cta/default/512115/3af00583-297a-4aac-a747-4e5d02fa9526.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/3af00583-297a-4aac-a747-4e5d02fa9526) #### Business ![](https://www.altusfinancial.com.au/hubfs/altus(Mar%202018)/exit.svg) ##### Retirement Planning Hub ![](https://www.altusfinancial.com.au/hs-fs/hubfs/1.Offers/Menu-Content-Offer-retirement-hub.jpg?t=1527465381644&width=136&name=Menu-Content-Offer-retirement-hub.jpg) Preparing for aged care requires research, planning and expert advice. [![VIEW CONTENT](https://no-cache.hubspot.com/cta/default/512115/3d8e6885-9483-4976-aa36-c13d2f0bf14f.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/3d8e6885-9483-4976-aa36-c13d2f0bf14f) #### Retirement ![exit.svg](https://www.altusfinancial.com.au/hubfs/altus(Mar%202018)/exit.svg "exit.svg") ##### Setting up Business in Australia ![Menu-Content-Offer-SUBA.jpg](https://www.altusfinancial.com.au/hs-fs/hubfs/1.Offers/Menu-Content-Offer-SUBA.jpg?width=136&name=Menu-Content-Offer-SUBA.jpg "Menu-Content-Offer-SUBA.jpg") Get moving with our 4-part eGuide. [![VIEW CONTENT](https://no-cache.hubspot.com/cta/default/512115/2e47c095-971a-446b-a8a9-028bd26958df.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/2e47c095-971a-446b-a8a9-028bd26958df) #### About Us ![exit.svg](https://www.altusfinancial.com.au/hubfs/altus(Mar%202018)/exit.svg "exit.svg") ##### Aged Care Checklist ![Menu-Content-Offer-Aged-Care-Checklist2.jpg](https://www.altusfinancial.com.au/hs-fs/hubfs/1.Offers/Menu-Content-Offer-Aged-Care-Checklist2.jpg?width=136&name=Menu-Content-Offer-Aged-Care-Checklist2.jpg "Menu-Content-Offer-Aged-Care-Checklist2.jpg") Preparing for aged care requires research, planning and expert advice. [![VIEW CONTENT](https://no-cache.hubspot.com/cta/default/512115/71c44855-fada-464b-899f-61c17e44804f.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/71c44855-fada-464b-899f-61c17e44804f) #### Explore # Creating better business Too often we see business owners spending their time in the day-to-day detail. Perhaps losing sight of the big picture -  never fulfilling its potential.   Believe us, we know. We have firsthand experience of what it’s like to run a business and the challenges it involves.   From sales growth issues, understanding profitability, control of your costs, cash flow, staffing - the list can seem endless.  Altus helps you clarify what's important to achieve your goals and then focuses you on how to get there. > "Working with Altus is like having a business partner. I have had a great sounding board throughout every step of the business” **-SALLY TOBIN** MD, XPO Brands -A Shopper marketing, sampling and brand experience agency ###### Business is full of challenges. What are yours? --- ## Select your challenge Show me how [ Tight cash flow ](https://altusfinancial-com.hs-sites.com/tight-cash-flow) [ High initial capital expenditure ](https://altusfinancial-com.hs-sites.com/high-initial-capital-expenditure) [ Not enough time or resources ](https://altusfinancial-com.hs-sites.com/manage-my-debt) [ Growing staff and infrastructure ](https://altusfinancial-com.hs-sites.com/growing-staff-and-infrastructure) [ More complex finances and compliance ](https://altusfinancial-com.hs-sites.com/more-complex-finances-and-compliance) [ Operating costs creeping upward ](https://altusfinancial-com.hs-sites.com/operating-costs-creeping-upward) [ Founders wanting to exit the business ](https://altusfinancial-com.hs-sites.com/founders-wanting-to-exit-the-business) [ Increase Revenue ](https://altusfinancial-com.hs-sites.com/increase-revenue) [ Streamlined Processes ](https://altusfinancial-com.hs-sites.com/streamlined-processes) [ Make me safer and have less risk ](https://altusfinancial-com.hs-sites.com/make-me-safer-and-have-less-risk) [ Handover the business to the next generation ](https://altusfinancial-com.hs-sites.com/handover-the-business-to-the-next-generation) [ Am I profitable and where is the cash? ](https://altusfinancial-com.hs-sites.com/am-i-profitable-and-where-is-the-cash) [ My finance team underperform ](https://altusfinancial-com.hs-sites.com/my-finance-team-underperform) [ My staff don't care as much as me ](https://altusfinancial-com.hs-sites.com/my-staff-dont-care-as-much-as-me) [ How do I fund business purchases ](https://altusfinancial-com.hs-sites.com/how-do-i-fund-business-purchases) [ How do I prepare my business for sale ](https://altusfinancial-com.hs-sites.com/how-do-i-prepare-my-business-for-sale) [ Who do I turn to if I fall out with my business partner? ](https://altusfinancial-com.hs-sites.com/who-do-i-turn-to-if-i-fall-out-with-my-business-partner) [ Are there any Government Grants available to my business? ](https://altusfinancial-com.hs-sites.com/are-there-any-government-grants-available-to-my-business) [ Can I get my statutory information in a modern way? ](https://altusfinancial-com.hs-sites.com/can-i-get-my-statutory-information-in-a-modern-way) [ I need regular and accurate financial information ](https://altusfinancial-com.hs-sites.com/i-need-regular-and-accurate-financial-information) #### Let's succeed together # You have a vision, we have a way to get you there. [Discover how we work with you](https://altusfinancial-com.hs-sites.com/how-we-work-business) ## Take the guesswork out of your financial future with just one phone call #### WE KNOW YOUR TIME IS VALUABLE, SO WE’LL GET BACK TO YOU QUICKLY TO SET UP A TIME TO TALK