Payday Super: a cashflow stress test for SMEs
InsightPayday Super may expose hidden cashflow weaknesses. Discover the warning signs, business impacts and restructuring options available.
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A leading Australian retailer had not reviewed its supplier trading terms end‑to‑end for several years, limiting trading income growth. Grant Thornton was engaged to deliver a structured, aligned supplier negotiation program to unlock value.
A leading Australian retailer had not formally reviewed its supplier trading terms from a corporate end-to-end view for several years and their trading income was not growing in line with sales.
An initial ‘discovery’ phase quantified a significant opportunity across the business.
Grant Thornton was engaged to undertake a comprehensive planning and execution engagement to deliver the identified supplier benefits.
At the same time, the client was making significant changes to its supply chain operations and, therefore, these two activities were to be closely aligned.
The leading Australian retailer required additional capacity to support them in the quantification, planning and execution of a structured supplier trading terms negotiation program.
The team at Grant Thornton drove the following activities and tasks:
A key outcome of this engagement was to assist the leading retailer to run a program of works aimed at improving overall margin through collaborative negotiations with strategic partners (ie suppliers).
As a result, the leading Australian retailer was able to achieve their targeted in-year benefits.


Chris is a Senior Executive with over 20 years’ experience in Corporate Finance and Strategic Consulting. He has worked with top tier professional services firms in Investment Banking and Corporate Advisory. He now works as a specialist finance and transformation consultant helping clients of all sizes and across industries to successfully execute their strategic plans.

Wi Liem is a commercially driven retail professional with ten years’ experience in the supermarket and apparel retail industry. He has held leadership roles and worked with senior leadership teams to develop new strategy, optimise, redesign and transform key business areas across the value chain including Strategy, Buying, Planning, Supply Chain, Store Operations, Finance and People.
Payday Super may expose hidden cashflow weaknesses. Discover the warning signs, business impacts and restructuring options available.
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