Your business. Your focus.
Everything else, handled.
STE360 is a complete, done-for-you finance function for small businesses. Inbox. Banking. Tax. Cash flow. Reporting. All managed by a dedicated team, so you never have to chase a bill, worry about the ATO, or wonder where your cash went.
The hidden cost of managing your own finances
Most small business owners are doing financial admin that should never land on their desk. Here is what that actually costs.
BAS time is a nightmare
Every quarter you are scrambling to gather invoices, receipts and statements that should have been organised as you went.
Invoices slip through the cracks
Bills land in an inbox nobody watches. By the time you notice, the supplier is chasing you and the relationship is strained.
Tax time brings surprises
Because nothing was set aside throughout the year, every ATO bill feels like an emergency, and sometimes it is.
You never really know your cash position
You are guessing whether you can cover next month's payroll or take on a new supplier until it is almost too late to act.
Your bookkeeper has blind spots
No cover when they are on leave. No accountant checking their work. No one to call when a bigger financial question comes up.
No time to look ahead
You are too deep in the day-to-day to plan for what is coming , growth, hiring, a slow season, a big tax bill.
What could STE360 give back to you?
Enter how many hours a week you spend on bookkeeping and admin, plus your hourly charge rate. We will show you the money you could save or the time you could reclaim.
Estimated savings
You could save every year
$13,000
$250 per week
Time back every week
5.0 hours
Every angle of your finances, covered year-round
The “360” is not a buzzword. It means we cover every angle of your financial function, not just the parts that are easy to hand off.
Inbox Management
We monitor your accounts and invoices email, capture every bill, and forward only what genuinely needs your eyes. Nothing missed. Nothing duplicated.
Banking & Payments
We manage supplier payments and payroll through your business banking with built-in dual authorisation on every payment , secure and streamlined.
Tax Provisioning
We automatically move funds into a savings account throughout the year to cover your GST and income tax. No more ATO surprises. No last-minute scramble.
Cash Flow Management
We track every inflow, outflow and upcoming obligation monthly so you always know where you stand , and can plan with confidence.
Customised Reporting
Monthly P&L and aged receivables reports built around your business , not generic templates. You see exactly what you need to see, nothing more.
BAS & Compliance
Your BAS is prepared and lodged every quarter as part of the service. No chasing, no reminders, no last-minute panic.
Three tiers. One complete service.
Every STE360 package covers the full finance function. The tier you need depends on the size and complexity of your business.
STE360 Essentials
Sole traders & micro-businesses
Solves these headaches
- You are doing your own books but BAS time still feels like chaos
- Bills are landing in an inbox you check once a week , if that
- You have no idea if you have enough set aside for the ATO
- Your reports are whatever Xero spits out , not what you actually need
STE360 Business
Growing small businesses with staff
Solves these headaches
- You have staff and payroll and you live in fear of getting it wrong
- Payments are going out but nobody is really watching the approvals
- Your accountant keeps asking for things you do not have ready
- You are setting aside nothing for income tax , only GST
STE360 Enterprise
Established businesses with complex needs
Solves these headaches
- Your finances are complex enough that you need a real team , but not in-house
- You are flying blind on cash flow and need rolling forecasts
- Your reporting needs to be ready for a bank, investor or board
- You need someone available same-day when something urgent comes up
Advisory add-ons , available on any tier when you are ready to look ahead, not just back.
STE360 vs. hiring in-house
A part-time bookkeeper costs around $50/hour plus super , about $2,000/month before leave. Here is what you actually get for that money.
Part-time in-house bookkeeper
Capable, but limited
- Goes on leave , and the books stop with them
- Works without qualified accountant oversight
- No access to CFO-level thinking for strategic questions
- Does not manage your inbox or banking
- Employment overhead , super, leave, management
- One person. One set of skills.
STE360
A full team without the overhead
- Continuous coverage , no leave gaps, ever
- BAS agent reviews and authorises every payment
- Advisory add-ons bring CFO-level capability when you need it
- We manage your inbox, banking and payments directly
- No employment relationship , one clean monthly fee
- Bookkeeper + BAS agent + advisory expertise
You should be running your business , not chasing receipts
STE360 was built because we kept seeing the same thing: smart, capable business owners spending hours every week on financial admin that had no business being on their plate.
When we manage the full function , inbox, banking, tax, cash flow , everything gets easier. You stop reacting and start planning. You stop dreading BAS and start trusting the numbers.
Talk to us about STE360Every quarter you wait is another quarter you pay for it.
Late bills, missed tax provisions, blind-spot cash flow. The cost of doing nothing compounds. Book a 30-minute call with Mark and walk away with a clear plan, whether you go with STE360 or not.
Prefer email? markm@stefinancial.com.au