Rates on Hold: What a Restrictive RBA Means for Business Funding
The RBA held the cash rate at 4.35% on 11 August 2026. What a restrictive setting means for debtor days, asset finance and existing facilities.
Easy Ways to Improve Your Discretionary Spending
Discretionary spend is what lenders scrutinise hardest. How to get an honest picture, plug subscription and BNPL leaks, and protect borrowing capacity.
Should I Buy a Franchise?
What a franchise fee actually buys, the ongoing costs that follow, territory and renewal risk, and why lenders treat established brands differently.
Preparing Your Business for Sale
The 12-24 month runway before a sale: clean financials, provable add-backs, less owner-dependence, locked-in contracts, and why fundability sets price.
Supply Chain Finance in Practice: A Security Industry Case Study
How supply chain finance differs from invoice finance, and how a security services business used a $400,000 facility to bridge wages and slow debtors.
Improving Your Business: The Low-Hanging Fruit
The unglamorous margin and cash wins most Australian SMEs are sitting on: pricing, debtor terms, supplier terms, overhead creep, idle stock and staff time.
Instant Asset Write-Off: What’s Still Available Before 30 June
The $20,000 write-off, the “installed ready for use” trap, and why equipment finance timing decides whether you claim this year or next.
How Should I Structure My Business?
Sole trader, partnership, company or trust — liability, tax flexibility, running costs, and how each structure changes your ability to borrow.
Should I Buy or Lease My Next Vehicle?
Chattel mortgage, finance lease, operating lease or novated lease — how ownership, GST, depreciation and balloon payments change the answer.
Trade Finance Explained: Importing Without Draining Your Cash
How trade finance covers the importer’s cash gap: letters of credit, documentary collections, import lines, FX risk, and pairing it with invoice finance.