B2Bpay’s Jane Grant argues Australian SMEs are missing a simple shift: treating everyday business spending as an asset, not just a cost. B2Bpay’s Jane Grant argues Australian SMEs are missing a simple shift: treating everyday business spending as an asset, not just a cost. But what if the conversation shifted from simply reducing business costs to generating more value from the money already leaving the business? While both remain critical, there’s a third opportunity that is often overlooked, which is improving the return generated from everyday business spending. Yet, when it comes to business spending, many organisations continue to view payments as little more than an administrative necessity.