Survival in Difficult Times

Product Package

Individual papers on government loans/grants for natural disasters and COVID-19 (Coronavirus).

A brief description is provided for each paper together with the amount of the subscription for each individual paper.

To give you an indication of our approach to the preparation of papers on government loans and grants, a selection of the papers are available for free.  You are welcome to order these through the shopping cart.

You can order “FREE" papers together with papers that require a subscription.

Please note that, if you subscribe to the “Business Survival Package for SMEs Product Package”, you'll receive all of the papers mentioned in the “Survival in Difficult Times Learn More”.

Free Papers
FREE
Individual papers
Price range – free, $11 through to $22
Relating to Australian, State and Territory governments grants/loans in relation to the natural disasters and COVID-19 Coronavirus
Business Survival Package for SMEs
$69 including GST
A starters kit to assist business operators to gain an understanding of the challenges that are going to face businesses because of the coronavirus and details of government assistance that is available.
Business Evaluation for SMEs
$120 including GST
We have developed a separate “reference paper” which is linked from “Survival in Difficult Times for SMEs Workbook” to give you more information on strategies to survive the “Difficult Times
Survival in Difficult Times for SMEs Workbook
$150 including GST
A detailed workbook of questionnaires relating to each section of a business to enable a detailed business evaluation
Combined subscription Survival In Difficult Times for SMEs workbook and business evaluation for SMEs
$250 including GST
“We have developed a separate “reference paper” and “Survival in Difficult Times for SMEs Workbook” to give you more information on strategies to survive the “Difficult Times” The detailed workbook of questionnaires relating to each section of a business to enable a detailed business evaluation.

Package Content Breakdown

This package content can be purchased individually as papers or as a whole package.
Please click the titles if to learn more or download then individually.


  • Grants/Relief – Primary Producers Because Of Natural Disasters

    • Queensland:
      • Drought Relief Assistance Scheme
      • Drought Relief from Electricity Charges
      • Special Disaster Assistance Recovery Grants – Exceptional Circumstances
      • Special Disaster Assistance Recovery Grants – Primary Producers – Cyclone Trevor
      • Special Disaster Assistance Recovery Grants – Primary Producers in North and Far North Queensland Monsoon January/February 2019
      • Emergency Bushfire Response in Primary Industries
      • North Queensland Restocking, Replanting and On-Farm Information Grants
    • New South Wales:
      • Special Disaster Assistance Recovery Grant
    • Victoria:
      • Emergency Bushfire Response in Primary Industries Grants
      • 2020 Victorian Bushfire Recovery Support Program
      • On-Farm Emergency Water Infrastructure Rebate Scheme
      • Southeast Victoria Bushfires Clean-Up and Restoration Grants
  • Small Business Loans Because of Natural Disasters

    • Queensland:
      • Disaster Assistance Loans – Essential Working Capital
      • Exceptional Disaster Assistance Loans
      • Natural Disaster Assistance Loans – Small Businesses
    • New South Wales:
      • Natural Disaster Loan – Small Business
  • Small Business Grants Because of Natural Disasters

    • Queensland:
      • Special Disaster Assistance Recovery Grants – Small Business
      • Emergency Bushfire Response in Primary Industries Grants
    • New South Wales:
      • Transport Subsidy in Response to a Declared Natural Disaster
  • Coronavirus

    • Queensland:
      • Industry Recovery Package – COVID-19

Want To Know More?

FREE Webinar

“The Biggest Challenge in 100 Years!” – Scott Morrison, Prime Minister
  • COVID-19 Coronavirus/Natural Disasters are causing significant problems for small businesses/medium-sized enterprises.
  • You're are invited to a free webinar on Wednesday, 25 March 2020 at 11:30am AEST/12.30pm AEDT - Register Here.
  • We will discuss various strategies to assist your business to survive during these very difficult times.
  • If this time does not suit you, still register and we will send you a link to the recording of the webinar.
  • Presented by: ESS Small Business – www.esssmallbusiness.com.au.

Package Content:

Combined subscription Survival In Difficult Times for SMEs workbook and business evaluation for SMEs

$250 (incl GST)

“We have developed a separate “reference paper” and “Survival in Difficult Times for SMEs Workbook” to give you more information on strategies to survive the “Difficult Times” The detailed workbook of questionnaires relating to each section of a business to enable a detailed business evaluation:

  • Business Evaluation for SMEs (Paper 006-085)
  • Survival in Difficult Times for SMEs Workbook
  • Weekly: Mentoring Video – “Business Survival” until 30 September 2020
  • Monthly ESS BIZTOOLS’ Newsletter “Business Plus” until 30 September 2020
  • Papers - Australian/State/Territory Government Loans/Grants – Natural Disasters
  • Papers - Australian/State/Territory Government Assistance - Coronavirus

Special Packages:

Business Survival Package for SMEs

$69 (incl GST)
A starters kit to assist business operators to gain an understanding of the challenges that are going to face businesses because of the coronavirus and details of government assistance that is available.
  • Access to All Grant Papers
  • Survival Check for your Business (Paper 006 – 086)
  • Characteristics of a Well Run Business (Paper 006 – 080)
  • 10 point checklist for COVID-19 Coronavirus and natural disasters strategies
  • Business Plus – March 2020 edition
  • Promotional Brochure

Business Evaluation for SMEs

$120 (incl GST)

“We have developed a separate “reference paper” which is linked from “Survival in Difficult Times for SMEs Workbook” to give you more information on strategies to survive the “Difficult Times”:

  • Business Evaluation for SMEs (Paper 006-085)
  1. 2020 Brings Many Challenges!
  2. Government Loans And Grants For Natural Disasters
  3. COVID-19 (Coronavirus) Assistance
  4. Applying For Government Loans/Grants For Clients
  5. Business Monitoring/Benchmarking
  6. Steps To Ensure Peak SME Fitness
  7. Cost Review
  8. Team Members
  9. Wastage/Defects And Reworks
  10. Shrinkage
  11. Theft Pilferage And Fraud
  12. Cashflow Forecasts, Budgets And Projected Balance Sheets Are Important
  13. Cashflow Management
  14. Customers
    1. New Customers
    2. Check the Credentials of New Customers
    3. Keeping Customers
    4. 80:20 - Customers
    5. Spread Your Risk of Danger
    6. Unemployment Effects
    7. Personal Property Securities Register
  15. Debtors' Management
    1. Systems Review
    2. Ensuring Your Big Customers Pay
    3. Give Your Customers A Reason To Pay
    4. Follow-Up Your Debtors
    5. Don't Be The Financier For Your Customers
    6. Personal Property Securities Register
  16. Debtor Finance (Factoring) An Help
  17. Credit/Debtor Insurance
  18. Work In Progress
  19. Stock (Inventory)
  20. Suppliers
  21. Importers
    1. Currency Contracts
    2. Tradex Scheme
    3. Currency Movements
  22. Exporters
    1. Export Plans
    2. Foreign Exchange Contracts
    3. Currency Movements
    4. Export Financing
  23. Banks/Lenders
    1. Bank's "Rule Book"
    2. Keep Bank Informed
    3. Review Debt Covenants
    4. Are You Living Off Credit?
    5. Don't Rush Out and Borrow More Money
    6. Financial Stress Testing
    7. Review Your Debt
    8. Consider Reducing Debt
    9. Talking to Another Bank Might be Good Insurance
    10. Build a Relationship With Your Bank
  24. Marketing
    1. Effective Marketing Plan
    2. Inside Advantage
    3. Don't Curtail Marketing
    4. Market Generation
    5. Social Media
  25. Selling
    1. Building Your Business
    2. Professional Selling
    3. Purchasing
    4. Existing Franchisee
    5. Franchisor
  26. Profitability
  27. Property Investments
  28. Culture Is Important
    1. Attributes
    2. Business Loyalty
    3. Strategic Alliances
    4. Culture Is The Hidden Success
  29. Selling A Business
  30. Franchising
    1. Purchasing
    2. Existing Franchisee
    3. Franchisor
  31. Government
    1. Spending
    2. Industry Capability Network
  32. Capital
    1. Capital Components
    2. Crowd-Sourced Funding
    3. Early Stage Innovation Companies - Capital Raising
    4. S708 Capital Raising
  33. Leadership Is Vital For Success
  34. Benchmarking
    1. Australian Taxation Office
    2. Commercial Benchmarks
  35. Buying A Business
  36. Insurance
  37. Succession In Difficult Times
  38. Government Grants
  39. Avoiding Problems
    1. Concentrate On Core Business
    2. Retail
    3. Rent Incentives
    4. Avoid Dependency On A Few Customers
    5. Website
  40. The Big Picture
  41. Professional Advice

Survival in Difficult Times for SMEs Workbook

$150 (incl GST)
A detailed workbook of questionnaires relating to each section of a business to enable a detailed business evaluation.
  • Survival in Difficult Times for SMEs Workbook
      • ACTION LIST REPORT
    • FINANCIAL REVIEW
      • FINANCIAL ACCOUNTS REVIEW
      • GROSS PROFIT ANALYSIS REVIEW
      • WAGES TO TURNOVER ANALYSIS REVIEW
      • NET PROFIT BEFORE TAX PERCENTAGE ANALYSIS REVIEW
      • DEBTORS REVIEW
      • DEBTORS DAYS OUTSTANDING CALCULATOR
      • FIXED ASSETS REVIEW
    • MARKET AND CUSTOMERS REVIEW
      • MARKET REVIEW
      • MARKETING REVIEW
      • SALES REVIEW
      • CUSTOMERS REVIEW
      • SALES ANALYSIS AND REVIEW
      • SALES TARGETS
    • CASHFLOW REVIEW
      • CASHFLOW FORECASTS & BUDGET REVIEW
      • CASHFLOW FORECAST - SHORT TERM
    • PERFORMANCE ANALYSIS
      • BENCHMARKING REVIEW
    • BUSINESS OPERATIONS REVIEW
      • COST REVIEW
      • STOCK (INVENTORY) REVIEW
      • WORK IN PROGRESS REVIEW
      • TEAM MEMBER REVIEW
      • BANKS' / LENDERS' REVIEW
      • LEADERSHIP ISSUES REVIEW
      • BUSINESS STRATEGIES REVIEW
      • INSURANCE REVIEW
      • SUPPLIERS REVIEW
      • EXPORTERS REVIEW
      • IMPORTERS REVIEW
      • FRANCHISING - FRANCHISEES' QUESTIONS REVIEW
      • FRANCHISING - FRANCHISORS' QUESTIONS REVIEW
      • PROPERTY INVESTMENTS REVIEW
      • THEFT & PILFERAGE
      • WASTAGE/SHRINKAGE REVIEW
      • RISK MANAGEMENT STRATEGIES REVIEW
      • SUCCESSION PLANNING FOR THE BUSINESS CHECK LIST
      • BUSINESS EXPANSION / ACQUISITION REVIEW
    • SUCCESSION PLANNING PERSONAL
      • SUCCESSION PLANNING PERSONAL CHECK LIST

Individual Papers For Purchase (Included in Package):

Get Free Papers

CategoryPaperDownload
Australian Government:
Disaster Recovery Payment (if adversely affected by a major disaster) (Paper 014-020)
Get Now
Loans – Primary Producers And Farm Businesses Because Of Natural Disasters:
Queensland: Disaster Assistance Loans (Paper 141 – 803)
Get Now
New South Wales: Natural Disaster Loan - Primary Porducers (Paper 142 – 801)
Get Now
Grants/Relief – Primary Producers Because Of Natural Disasters:
Queensland: North Queensland Restocking, Replanting and On-Farm Information Grants (Paper 141 – 812)
Get Now
New South Wales: Special Disaster Assistance Recovery Grant (Paper 142 – 804)
Get Now
Primary Producers and Businesses Loans Because of Natural Disasters:
Victoria: South-East Victoria Bushfire Recovery Loans – Primary Producers, Small Businesses, Not-For-Profit Organisations (Paper 143 – 810)
Get Now
Small Business Loans Because of Natural Disasters:
Queensland: Natural Disaster Assistance Loans – Small Businesses (Paper 141 – 804)
Get Now

Purchase Papers

CategoryPaperPriceDownload
Australian Government:
Disaster Recovery Allowance (Paper 014 – 014)
$11 (incl) GST
Get Now
Export Finance Australia – Small Business Export Loan (Paper 014 – 045)
$15 (incl) GST
Get Now
Loans – Primary Producers And Farm Businesses Because Of Natural Disasters:
Queensland: Drought Assistance Concessional Loan Scheme (Paper 141 – 801)
$22 (incl GST)
Get Now
Queensland: Disaster Assistance Loans – Essential Working Capital – Primary Producers (Paper 141– 807)
$11 (incl GST)
Get Now
Queensland: Exceptional Disaster Assistance Loans Primary Producers (Paper 141– 815)
$11 (incl GST)
Get Now
Victoria: Drought Assistance Concessional Loan Scheme (Paper 143-801)
$11 (incl GST)
Get Now
Victoria: Dairy Recovery Concessional Loan Scheme (Paper 143-802)
$11 (incl GST)
Get Now
Grants/Relief – Primary Producers Because Of Natural Disasters:
Queensland: Drought Relief Assistance Scheme (Paper 141 – 802)
$22 (incl GST)
Get Now
Queensland: Drought Relief from Electricity Charges (Paper 141 – 805)
$11 (incl GST)
Get Now
Queensland: Special Disaster Assistance Recovery Grants – Exceptional Circumstances (Paper 141 – 806)
$11 (incl GST)
Get Now
Queensland: Special Disaster Assistance Recovery Grants – Primary Producers – Cyclone Trevor (Paper 141 – 813)
$11 (incl GST)
Get Now
Queensland: Special Disaster Assistance Recovery Grants – Primary Producers in North and Far North Queensland Monsoon January/February 2019 (Paper 141 – 814)
$11 (incl GST)
Get Now
Queensland: Emergency Bushfire Response in Primary Industries – Grant (Paper 141 – 816)
$11 (incl GST)
Get Now
Victoria: Emergency Bushfire Response in Primary Industries Grants – Victoria (Paper 143 – 803)
$11 (incl GST)
Get Now
Victoria: 2020 Victorian Bushfire Recovery Support Program (Paper 143-804)
$11 (incl GST)
Get Now
Victoria: On Farm Emergency Water Infrastructure Rebate Scheme (paper 143 – 806)
$11 (incl GST)
Get Now
Victoria: Southeast Victoria Bushfires Clean-Up and Restoration Grants – Primary Producers (Paper 143-809)
$11 (incl GST)
Get Now
Primary Producers and Businesses Loans Because of Natural Disasters:
Queensland: Exceptional Disaster Assistance Loans – Primary Producers and Businesses (Paper 141-815)
$11 (incl GST)
Get Now
New South Wales: Special Disaster Loans – Bushfires (Paper 142 – 805)
$22 (incl GST)
Get Now
Victoria: Victorian Bushfire Concessional Loans (Paper 143 – 805)
$11 (incl GST)
Get Now
Small Business Loans Because of Natural Disasters
Queensland: Disaster Assistance Loans – Essential Working Capital (Paper 141 – 808)
$11 (incl GST)
Get Now
Queensland:Exceptional Disaster Assistance Loans (Paper 141-815)
$11 (incl GST)
Get Now
New South Wales: Natural Disaster Loan – Small Business (Paper 142-802)
$11 (incl GST)
Get Now
Small Business Grants Because of Natural Disasters
Queensland: Special Disaster Assistance Recovery Grants – Small Business (Paper 141 – 809)
$11 (incl GST)
Get Now
Queensland: Emergency Bushfire Response in Primary Industries Grants (Paper 141 – 816)
$11 (incl GST)
Get Now
New South Wales: Transport Subsidy in Response to a Declared Natural Disaster (Paper 142-803)
$11 (incl GST)
Get Now
Coronavirus:
Queensland: Industry Recovery Package – Coronavirus (Paper 141 – 811)
$22 (incl GST)
Get Now

Purchase Special Packages

PackagePriceDownload
Business Survival Package for SMEs
$69 (incl GST)
Get Now
Business Evaluation for SMEs
$120 (incl GST)
Get Now
Survival in Difficult Times for SMEs Workbook
$150 (incl GST)
Get Now

Purchase Package

Subscribe to this single package and get access to its content.
If, after 60 days, you are not completely satisfied with ESS BIZTOOLS, we will gladly refund your subscription.

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