Tony's business has grown steadily in recent years, allowing him to take on larger-scale projects. However, Tony has experienced some cash-flow problems. One problem is that there is a lag between the cash going out and the cash coming in from jobs. He has to pay wages, which are paid fortnightly, and to pay suppliers who are generally paid on delivery of the goods or within seven days; the invoices which he sends out are usually for a 30% deposit to be paid immediately, and then the balance for full payment is billed 30 days after completion of the work