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Customers causing you cash flow issues? Compare your invoice debtor finance opportunities.
. 5 min read
Invoice Debtor Finance is a specialist commercial credit facility structured to assist businesses with slow paying customers with timely payment of invoices. Having to wait too long to receive payment of invoices can be one of the biggest problems for businesses. You’ve done the work, incurred the cost of wages, materials and supplies but then have to wait 60, 90, 120 days or even longer for your customer to pay your invoice. A wait which can place pressure on your cash flow, potentially causing you to have to pay your bills late and possibly impact your credit rating. This issue can be complex as many business owners may not be keen to put too much pressure on their customers for payment. In tough economic conditions, retaining good customers can be a real asset. In some industries such as construction, many contracts, while highly valued, may require the contractor to agree to long payment terms. The issue may place businesses in... Read More
Countdown to AqQuip 2025 – Apply for Machinery Loans Now!
. 5 min read
AgQuip, the premier Field Days for agriculture operators, is on 19-21 August in Gunnedah, with agribusinesses urged to pre-arrange loans to order at the event. This annual showcase of new innovation, popular and emerging brands of machinery, systems and services is a must-attend for many in the agri industry. Providing the opportunity to catch-up and network with others and see first-hand what new developments are available to assist in boosting your productivity and profitability. Meet with representatives from brands like Deere and Case and get across what’s new at the innovation hub. Compare your options by seeing demonstrations and save your valuable time by placing your order then and there. Order on the day and have that essential machinery working in your operation sooner. We support businesses of all sizes and types to be ready to place orders at AgQuip with our pre-approved finance service. Approval on loans ahead of purchase is available for machinery and equipment as well as... Read More
Are you across the 1 July changes for your business?
. 5 min read
A number of 1 July changes have come into effect which will impact many businesses in regard to wages, government fees, ATO interest charges and other costs. EOFY, tax time and the start of the new financial year is a busy time for many businesses and many owners may not be fully aware of what has changed with their obligations. If that is you, it’s time to get across the detail and ensure your business is fully compliant. Changes to the National Minimum Wage, superannuation, business registration fees and some business reporting obligations have been introduced nationally. These changes could impact your business costs, budgeting and cash flow. If so, support through a range of commercial loans is available. On a positive note, there are changes to energy rebates for small businesses and Victoria has eased cost pressures with lifting the threshold for payroll tax. We outline what has changed and how we support businesses struggling to meet their commitments... Read More
Consider Novated Car Lease as NFY Employee Incentive
. 5 min read
Novated Car Lease is an arrangement where the employer leases a vehicle for an employee with the employee sacrificing salary to cover payments and other costs. Benefits can be received by both parties. While either party may initiate the idea, employers may offer the opportunity to key employees as an incentive or in place of a salary increase. The start of FY26 may be the ideal timing to consider such an option as many employers offer wage rises at this time of year. While benefits can be realised, there are also factors to consider by both employers and employees, and a solution must meet the approval of both parties, and the lender. As specialists in commercial financing, we have extensive experience in sourcing and structuring salary sacrifice vehicle loans. Consider what is involved and speak with one of our brokers for how this may work for your business. Novated Car Lease Overview Novated Car Lease with salary sacrificing is a... Read More
EOFY Review – Should You Refinance Commercial Loans?
. 5 min read
The decision to refinance commercial loans involves new loan arrangements to achieve more workable payments, a better interest rate, and meet new objectives. It is not essential for a business to refinance any of their loan arrangements. But it can form part of an overall review of the business and the end of financial year is a typical time to consider the option, to assist with preparing budgets, operating cost forecasts, and allow greater borrowing capacity for the year ahead. A current motivation to consider refinancing may be movements in interest rates. The Reserve Bank (RBA) meets again on 8 July to make their next decision on the cash rate. The markets are widely expected another cut, though the global uncertainties as a result of the US tariff policy may impact any cut. As specialists in business financing, we provide a comprehensive service to assist business owners to achieve workable finance across their operation. Refinance Commercial Loans - Overview Refinancing... Read More
ATO debt interest changes start on 1 July 2025 with shortfall interest charges on income tax and general interest charges to the ATO no longer tax deductible. From the start of the new financial year, interest on repayments to the ATO, depending on when remitted and incurred, will not be treated as eligible tax deductions. Instead of being able to deduct these outgoings from pre-tax income, the costs will need to come from the bottom line – from income on which tax has been paid. This is an important change to the business tax laws and one which may be of significance to many operators. The announcement of the change was made in the 2023/24 MYEFO – the Federal Government’s Mid-Year Economic and Fiscal Outlook but is now due to come into effect from the start of the 2025/2026 financial year. Businesses have an expectation that their operational costs including interest charges will be deductible. Many count on it. This... Read More
Secure farming machine finance for upcoming Field Days 2024
. 5 min read
Securing low rate farming machine finance through Business.Finance on a pre-approved basis, can equip agri operators for ordering at upcoming field days 2024. The annual schedule of agricultural focussed shows, expos and events is underway already with nearly all states and territories holding an event in the first half of the year. Many of these shows focus on agri equipment, providing attendees with the ideal opportunity to place orders on the latest models. Placing orders at shows saves time visiting the dealership in town at a later time and may allow the machinery to be delivered, commissioned and delivering yields sooner. To ensure operators are equipped to order, we provide a pre-approved farming and agriculture machinery loans. Approval of the credit application with an offer on a certain amount with repayment schedules, all before the order has been placed. Convenient, time-saving and a highly efficient way to approach agri equipment funding. To allow operators to plan which events to attend... Read More
Get new lines into production with low rate Manufacturing Plant Finance
. 5 min read
With low rate manufacturing plant finance Business.Finance supports commercial operators cost-effectively launch new lines into the their production facility. The need to maintain a competitive edge, build brand loyalty, appeal to changing consumer tastes, stay up to date with local and global trends can require the regular development of new lines and products into the range. In the food production and processing and fast-moving consumer goods (FMCG) sectors this is particularly evident. But across many industry sectors, the necessity to upgrade and modify production processes can arise. It may be a new product or a new and improved way to produce a product to deliver greater efficiencies to the operation and greater appeal to consumers. For some commercial operations, the need for new facilities and equipment may be not for production and processing, but for packaging. With the changes in regard to plastics, many producers are having to change to recyclable packaging. Changes which may entail new equipment installations. The... Read More
Business.Finance works with commercial operators to structure low rate solutions to refinance balloon payments for trucks, motor vehicles and equipment loans. Operators that took out new commercial funding when rates started to fall back in 2020 or prior, may be coming up to the end of the funding term. That means addressing the payment of the final lump sum balloon or residual. Most will have opted for this feature when structuring their initial funding arrangements as it can offer significant benefits in reducing the monthly payments and as such, easing cash flow pressure. But with the end of the term comes the time to pay the lump sum due. Depending on the percentage originally agreed for this inclusion and the initial total borrowing, the amount due could be sizeable. An amount beyond the cash reserves held by the enterprise. One option which many choose is to time replacing assets with the end of the credit term and the due date... Read More
Workable bad credit commercial loans may be achievable for operators that engage specialist brokers Business.Finance to source the most affordable options. Operations of all types across all industry sectors can face financial challenges under all types of economic conditions. The past few years have created a difficult scenario for some, with government support through the pandemic followed by high inflation, consecutive RBA, rising costs and supply chain issues presenting major challenges for enterprises to keep up with their commitments. When an enterprises falls behind in payments and their rating falls to poor, the challenges can intensify with major difficulties in assessing funding to support the operation to recover. Engaging expert brokers to sourcing funding may offer enterprises in this situation the support required. Bad Credit Scenarios Commercial operators can see their rating fall to poor for a range of reasons. The main one being late or non-payments on loan commitments, to suppliers and on regulatory payments such as to the... Read More
