Let’s just say you want to drive across the Sarhara,” says Jim Vass. “The likelihood is that you’re not going to go and buy yourself a Mini Moke to do it in, because it’s just not going to get you there.”

There are many pivotal moments that start-ups face. Perhaps one of the most critical is that growth spurt that changes you from being a one-person operation to becoming a business that employs staff.

Various experts suggested recently that Australia could be cashless within as little as three years, and while The Reserve Bank has responded by saying it is not likely to happen as quickly as that, the question still remains – is your business ready?