It's a financial health dashboard for Australian businesses that run on Xero. Once your account is connected, it keeps track of whether you can cover what's due, where debt is building, and whether the picture is getting better or worse over time.

Through Xero's official login (OAuth 2.0), with read-only access. You approve the connection once, and from then on your financial reports come across on their own. Your Xero password never passes through us.

Six in all, drawn from the warning signs Australian courts look to in insolvency cases: things like ongoing losses, weak cash flow, growing debt, and overdue tax or super. Each one is scored green, amber, or red, so you can see at a glance where the pressure is.

Yes. The connection is read-only, so nothing in your Xero can be changed from our end, and your data is encrypted both on the way to us and while we hold it. You can disconnect whenever you like, which cuts off access straight away.

Mostly Australian business owners who use Xero and want to know how the business is really tracking without building reports every month. Plenty of accountants and bookkeepers use it too, to keep an eye on the clients they look after.

The simplest way is to let something read your accounting data for you, rather than rebuilding a spreadsheet each month. Offermore connects to Xero and checks your cash position, profitability, and debts every day, so you see the trend instead of a single month-end snapshot.

Insolvency is when a business can no longer pay its debts as and when they fall due — even if it looks profitable on paper. It's more common than most owners realise, and the warning signs often appear months before things become serious. Learn how Offermore tracks insolvency risk for your business.

They tend to be the same handful of things: trading at a loss for a stretch, cash getting tight, debt creeping up, tax or super falling behind, books that aren't kept up to date, and customers who are slow to pay. Offermore watches for all of them and flags each as green, amber, or red.

They're the signals that show whether a business can pay its debts as they fall due, like your current ratio, working capital, and how much cash runway you have left. Offermore works these out from your Xero figures so you don't have to do the sums by hand.

AUD $29 a month, with a 14-day free trial to begin. You don't need a credit card to start the trial.