Question 1

What is Offermore?

Accepted Answer

Offermore is a financial health dashboard for Australian businesses that connects to Xero and tracks six insolvency risk indicators, key financial ratios, and debtor and creditor aging in real time.

Question 2

How does Offermore connect to Xero?

Accepted Answer

Offermore uses Xero's official OAuth 2.0 authorisation flow with read-only scopes. You authorise the connection once in Xero and Offermore syncs your financial reports automatically. Offermore never sees or stores your Xero password.

Question 3

What insolvency risk indicators does Offermore track?

Accepted Answer

Offermore tracks six indicators drawn from Australian insolvency case law: ongoing losses, poor cashflow, increasing debt, overdue taxes and superannuation, incomplete records, and problems collecting debts. Each is calculated directly from your live Xero data.

Question 4

Is my Xero data secure?

Accepted Answer

Yes. Offermore connects through Xero OAuth 2.0 using read-only scopes, transmits data over TLS, and stores access and refresh tokens encrypted at rest. You can disconnect Xero at any time from your account settings, which immediately revokes access.

Question 5

Who should use Offermore?

Accepted Answer

Offermore is built for Australian business owners, accountants, and financial advisors who use Xero and want continuous visibility into financial health and insolvency risk indicators without manually pulling reports.

Question 6

How do I monitor business financial health?

Accepted Answer

The most efficient way to monitor business financial health is to connect a daily-syncing dashboard to your accounting system. Offermore reads your Xero balance sheet, profit & loss, cash flow, and aged receivables every day and surfaces six solvency indicators, ten financial ratios, and a 12-month health history — so you see trends in cash flow, profitability, and debt without rebuilding reports each month.

Question 7

What are the early warning signs of insolvency in a business?

Accepted Answer

The Australian insolvency framework recognises a consistent set of warning signs: ongoing trading losses, poor cashflow or shortening cash runway, increasing debt and liabilities exceeding assets, overdue taxes and superannuation, incomplete or unreconciled records, and problems collecting debts from customers. Offermore tracks all six directly from your Xero data and flags each as green, amber, or red.

Question 8

What are business solvency indicators?

Accepted Answer

Business solvency indicators are quantitative signals — drawn from balance sheet, profit & loss, and cash flow data — that show whether a business can meet its debts as they fall due. Common indicators include current ratio, quick ratio, working capital, debt-to-equity, cash runway, and consecutive loss periods. Offermore calculates these continuously from your Xero data alongside six insolvency risk indicators.

Question 9

How much does Offermore cost?

Accepted Answer

Offermore is AUD $29 per month and includes a 14-day free trial. No credit card is required to start the trial.

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