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Step chart of the RBA cash rate from February 2025 to August 2026, ending at 4.35 per cent.

20 Aug 2026

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.
Three months of bank statement lines with recurring charges ringed.

6 Aug 2026

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.
Grid of twelve franchise outlets with one highlighted.

23 Jul 2026

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.
Twenty-four month timeline running to a business sale.

9 Jul 2026

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 diagram showing subcontractors paid early at the buyer's rate.

25 Jun 2026

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.
Effort versus payoff chart plotting six business improvements.

11 Jun 2026

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.
June 2026 calendar with 30 June highlighted as the write-off deadline.

28 May 2026

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.
Group structure diagram with a trust above operating, property and individual entities.

14 May 2026

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.
Decision fork between owning a vehicle and leasing one.

30 Apr 2026

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.
Timeline of an import cycle from order to payment across 140 days.

16 Apr 2026

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.
Diagram of a target business and a buyer joined by a funding stack.

2 Apr 2026

How Do I Fund a Business Acquisition?

What lenders look at when you buy a business: goodwill vs assets, share vs asset sale, add-backs, vendor finance, earn-outs and what to prepare first.
Diagram showing revenue eroded by cost of goods, wages, fees and cost of carry.

19 Mar 2026

The Real Cost of Doing Business

The quiet costs that erode SME margin: the working capital gap, merchant fees, compliance creep, idle stock, and how to measure your cash conversion cycle.