13 Aug, 2026

RBA Held Rates at 4.35%: What It Means for Your Clinic Cash Flow

Accountants Daily reported that the RBA left the cash rate on hold at 4.35%.

For a physio clinic owner, this is not just finance news.

It affects loans, rent pressure, equipment plans, and how much cash is left after wages and tax.

Start with your debt list

Write down every clinic loan or finance contract.

Include:

Then add the payment amount and payment date for each one.

This gives you a clear view of what the clinic must pay each month before you take drawings.

If a loan has a variable rate, the payment can move.

Do not wait for a bank letter to surprise you.

Check the current rate, payment, and next review date.

If the payment has gone up, add it to your cash flow plan now.

New equipment can help a clinic grow.

But equipment finance still needs cash every month.

Before signing, ask:

If the answer is not clear, slow down.

A good tax deduction is not the same as good cash flow.

If your clinic has ATO debt, rate pressure can make cash feel tighter.

A payment plan still needs to fit beside wages, super, BAS, rent, and loan payments.

Do not treat tax debt as separate from the business budget. It is part of the same cash flow.

You do not need a complex forecast.

Start with 12 weeks.

List expected money in. Then list money out.

Add:

This helps you spot the tight weeks before they arrive.

Update your debt list. Check variable loan payments. Look at the next 12 weeks.

If a loan payment, BAS, or payroll week creates a cash squeeze, deal with it early.

A rate hold does not remove pressure. It gives you a chance to check the numbers before the next change.

We can help you review loans, tax bills, payroll, and owner drawings before cash gets tight.