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If you are a new business starting to take off, or a well-established business looking to expand, you will need to understand the importance of working capital. Working capital is a simple, albeit useful measure that businesses use to indicate their ability to complete day-to-day operations and also to assess their financial health. The amount […]

As many Australians are being hit by natural disasters, we remind our clients not to tough it out on your own.   As your equipment finance broker, we are here through thick and thin. Part of that service is assisting you during any disaster period and throughout the recovery process. It is important to recognise your

Running a business can feel like a steep learning curve. Understanding the importance of financial documents will help put you in a great position to run a profitable business. Financial documents and statements are filled with valuable insights into your business’s performance and viability. Learning how to create, read, interpret and use financial documents and

Would you like to provide loans to people you didn’t know very well? It doesn’t sound too wise, but many businesses are in the finance business by default. In effect, when you offer invoice payment terms to your customers, you’re providing short-term loans to them. Companies that don’t have sound credit policies and procedures to

As many businesses focus on Christmas recovery, it’s a great opportunity to review, plan and prioritise your business goals to prepare for the new year. Here are some tips to help kick start your new year. Review and get on top of your finances Start by reviewing your financial statements from the last year. Look

The recent cyber-attacks on Optus and then Medibank have been good reminders to be vigilant when it comes to the security of your personal information.  The Australian Government has established the Australian Cyber Security Centre, which includes some tips on how to keep your data safe online. Some of these are listed below: Update devices

Summer holiday time in Australia can be a cash flow nightmare for many businesses. Although retail spending is booming before Christmas and during Boxing Day sales, many business-to-business companies can experience a big downturn in sales from mid-December until the end of January. Here we offer a few tips for avoiding a Christmas cash flow

The four C’s of credit are a common set of principles that banks and lenders consider when assessing business loan applications. The four C’s not only help the lender understand your business needs but can also help you when applying for finance. 1. Character Banks and lenders consider character but it has nothing to do with

Every business is unique. But despite the differences in size, industry, and other factors, all businesses experience the same five growth stages. These business growth stages pose common challenges that need to be overcome. By understanding where you are now, you can plan to scale and avoid the pitfalls. In this guide, we’ll reveal the five stages

You can’t run a business without it, but many SMEs put cashflow forecasting in the too hard basket and just hope there is enough cash in the account each month. It’s a risky way to run a business but the good news is you don’t need to pay someone else to do a cashflow forecast