20/01/2026
CONGRATULATIONS Matthew Erwin — a career in finance and banking that began in January 1986, before the internet and in the last century (OMG!). 😀
It’s been a journey shaped by economic cycles: recessions, the GFC, COVID, credit crunches, booms, busts — and everything in between.
From central banking at the Reserve Bank of Australia (RBA) to frontline commercial asset finance and specialist cashflow lending at industry leading lenders like ORIX Australia and Bibby Financial Services, one lesson has never changed:
"Access to the right funding at the right time can make or break a business."
Over four decades, doing what I love and working closely with people, I’ve seen:
• Businesses fail despite strong sales, due to poor cash flow
• Profitable companies stall because of slow-paying debtors
• Smart operators thrive by funding before growth, not after
• Lending rules tighten and loosen — but cash flow always matters
Today more than ever, business owners need practical finance solutions, not just approvals on paper. That’s why I remain focused on helping businesses understand funding options that support growth, stability, and resilience — especially when traditional lending falls short.
In 1999, this led to the creation of The Cashman 💰 👨🦰 concept, and since 2021 a finance business specialising in cash flow lending for business, Cashman Consulting Pty Ltd.
I’m deeply grateful 🙏 to the leaders, clients, colleagues, lenders, partners, lawyers and accountants I’ve worked with along the way. You all know who you are!
I am still passionate about helping businesses navigate the numbers that really matter.
Cheers 🥂 🍻 to experience, perspective, and keeping businesses moving forward. I look forward to working a few more years… but not another 40! 😀
