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What commercial loan rates increase with RBA rate rise?
. 5 min read
Commercial loan rates on some credit facilities may rise with the RBA 0.25% March cash rate rise, with competitive rates accessible through Business Finance. While most lending markets react to Reserve Bank Monetary Policy decisions, the business finance sector is diverse and can remain highly competitive. The immediate effect of the decision may be felt on existing variable rate loans and new loans. Business owners considering taking on credit to support their operation or to acquire new assets, will no doubt be interested in understanding why rates have again been increased, and the future prospects. Consideration may also be given to how the economic conditions may affect not only the cost of financing, but costs and trade in their own sector. Backgrounding March Rate Rise Coming so fast on the back of the February cash rate hike, the March decision may have taken some by surprise. But after several weeks of the Middle East war global fallout, especially on petrol... Read More
Will the Middle East conflict affect business finance rates?
. 5 min read
The Middle East conflict started in March 2026 has the potential to affect business finance rates through a spike in inflation, though the situation is unclear. Interest rates in Australia, specifically the cash rate, is determined by the Reserve Bank Monetary Policy Board. Decisions are based on the domestic outlook and economic data and potential impacts from global events. Over time we have seen how events overseas can affect both our economic conditions and our interest rates. How long the Iran conflict continues and how widespread it becomes are unknown at this stage. But even in the early stages, commentary in Australia is focussed around the impacts on the domestic economy, especially fuel prices and interest rates. The Governor of the Reserve Bank, Michelle Bullock speaking at a business summit on 3 March reportedly said the unfolding situation was a ‘timely reminder’ of the speed at which things can change. Ms Bullock said it was too soon to say what... Read More
Do you need to switch or fix commercial loan rates?
. 5 min read
Businesses may look to switch or fix commercial loan rates to achieve a better rate or different repayments through refinancing with a different lender. The interest rate is the most critical element of the finance for most businesses. It determines not only how much they need to pay each month in repayments, but the amount of interest that accrues on the loan. The repayment level can impact cash flow and profitability while the total interest bill impacts the overall cost of the acquisition which effects ROI. With interest rates once again ‘front and centre’ courtesy of a surge in inflation, businesses may take the opportunity to review their credit arrangements and investigate if more affordable options are available to them. Options and opportunities which may place them in a better position to achieve productivity gains, gain market advantage, and improve their bottom line. Commercial Loan Rates Outlook The release of figures by the ABS in late 2025 showed an uptick... Read More
What are the options for cash flow finance? Support for your business through 2026.
. 5 min read
Cash flow finance is available with unsecured business loans to support operators cover a range of general, regular and unexpected expenses when they arise. Is your business financially ready for 2026? With inflation spiking in late 2025, a tight employment market, severe weather events impacting several states, and the Reserve Bank noting uncertainties in both the domestic and global economy, businesses need to be ready for whatever conditions unfold in their sector. Being ready may mean having access to affordable financing to support any possible income shortfalls in meeting regular and unexpected expenses. Rather than risk the negative outcomes of not being in a position to pay the bills by the due date, business owners can arrange financing to ensure they have the funds when needs arise. As specialists in commercial credit, we can assist with a range of loans at competitive rates and workable terms. Purposes for Cash Flow Finance Loans to facilitate the streamlined and timely payment of... Read More
Businesses may realise benefits with the refinance commercial loans process where rates, circumstances, credit profile, and turnover have changed over the term. Changes to turnover with new contracts and an improvement to the credit rating may result in more workable terms and loan conditions with refinancing. Changes to business finance interest rates may deliver a lower rate on existing loans with a new loan. While benefits may be realised through refinancing, there are costs to considered. Whether it is a good move for the business, will involve considering whether or not the benefits outweigh the costs. The timing of the refinancing decision may need to be considered in relation to the interest rate cycle and any opportunities which may present for the business. If considering refinancing to place your business in a better position coming into 2026, we outline some of the major issues to bear in mind, and how we may assist you achieve your preferred financing solution. Why... Read More
When is the next interest rate cut? Planning 2026 finance in an uncertain market.
. 5 min read
The RBA left the cash rate on hold for November, and the latest inflation and unemployment figures have dampened prospects for the next interest rate cut. Uncertainty surrounds the rate market at the moment. Analysts and the markets suggesting another cut may possibly not eventuate until after the RBA’s February meeting next year. Leaving businesses with a potentially challenging scenario for planning their finance requirements for 2026. The prospects for a rate cut before the end of 2025 were looking positive around mid-year. But the release of the September Quarter Consumer Price Index, inflation figures, a week before the RBA’s November meeting, dashed those prospects. The increase revealed surprising the markets and the RBA Monetary Policy Board. With no rate in November and little chance of one in December, businesses may need to assess their options for waiting for a cut or securing their best possible rates to proceed with their finance needs now. To assist, we cover off on... Read More
Should you secure Market Value or Agreed Value Insurance?
. 6 min read
Buyers of goods under finance, such as vehicles, can secure coverage with Market Value or Agreed Value insurance policies - agreed may be above market value. It is important for buyers to closely consider this aspect of their policy as it represents the amount paid out by the insurance in the event the goods are stolen or written off. When goods are purchased with finance, lenders require the goods used as the loan collateral to be fully insured. This is the lender’s assurance that they will be able to recoup the funds loaned in the event that the borrower defaults on the loan. A wide range of business insurance policies may be arranged with either an agreed value or at the market value of the goods. One of the biggest markets for this to be considered is with car insurance when taking out a Comprehensive Motor Vehicle policy. The difference between the two policies is the amount covered by the... Read More
Get in Quick for the Kubota Sale Orange October – Apply for Finance Now!
. 5 min read
The Kubota Sale is on in October for selected models of tractors, ride-on mowers and other machines and operators can lock-in finance first to be prepared. As one of the leading names in equipment used in many industries including agriculture, construction, landscaping and property maintenance, the Kubota event is sure to be extremely popular. Stock of some of the discounted models may be limited, so buyers will need to be ready to commit to secure their preferred machinery. Locking in finance with a pre-approved machinery loan may provide the edge for buyers and provide confidence to commit, knowing their funding has been approved. Pre-approved finance also allows buyers to set their purchase budget based on their approved credit limit. Great when adding attachments to your order. Applications can be made now to Business Finance for fast 24-hour approvals, at the most competitive interest rates available to suit individual profiles. What’s Discounted at the Kubota Sale This major sale event has... Read More
Panacea for red tape, costs for compliance & regulation – loans for advisory fees & expenses
. 5 min read
Loans for advisory fees and expenses for engaging consultants to assist with regulation, red tape and compliance are available with unsecured commercial credit. Many sectors are subject to extensive and detailed regulation and compliance. Individual businesses can face complex red tape for specific projects, installations, and developments. To meet the challenges, many operators need to engage the services of professionals in key areas to advise on strategy and/or prepare documentation and submissions and/or support their own team. The fees charged by many specialist consultants can be significant and the cost a major expense for the business. But the outcomes of not engaging this specialist expertise may be non-compliance and even more costly penalties and impacts on operations and growth. Financing these business costs can present a workable, viable alternative to using cash flow for many operators. Businesses that may regularly need to use external advisory firms can include the hospitality sector on liquor licensing and other applications, the transport sector... Read More
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
