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Securing Affordable Business Finance After the Latest RBA Interest Rate Increase
. 5 min read
Business finance rates on variable rate loans and new loans with fixed rates are likely to increase after the RBA rate increase, subject to lender decisions, a scenario which may have business owners considering putting plans for new vehicles, equipment, and working capital on hold. But workable financing at affordable rates may be secured through the right lenders. Variations in rates for asset financing and commercial loans can be found across the market. The commercial credit market is highly competitive, and lenders determine their rates for their credit facilities based on a range of factors. These factors include the forecasts for the economy and the rate market provided by their own analysts, which may be based on their interpretation of economic indicators. In response to a media question on market expectations, Reserve Bank (RBA) Governor Michele Bullock said what the market expects is how they interpret the data. Interpretations which may vary from those of the central bank which determines... Read More
Be Ready for Busy Christmas Trading – Stock and Inventory Finance Options.
. 5 min read
Inventory finance is a working capital or commercial loan for a business to purchase goods, materials and supplies to build stock for sale at a future time. Building stock of goods or supplies for manufacturing may be needed so the business can be ready for busy trading periods and/or to cover periods when suppliers are closed and goods are not available. While importers regularly need to assess stock levels, as Australia edges towards the traditionally busy Christmas trading period, now is the time for businesses in retail and other sectors to assess their inventory. Manufacturers should consider if they have sufficient materials to continue production if their overseas or local suppliers are closing for the holiday season. If sourcing supplies from overseas suppliers, be mindful of the different holiday seasons celebrated in the country of origin. Lunar New Year is a major celebration across Asia and this falls at the start of February in 2027. Now could be the time... Read More
Major Truck & Crane Auction Now Live – Get Your Truck Finance Secured!
. 5 min read
Crane truck finance applications may be submitted to Business.Finance for quick approval decisions for bidders at the September Manheim crane and truck auction. Presented as a major liquidation sale event, this auction could provide the opportunity for operators to secure quality vehicles at great value prices. The event is at the Newcastle Manheim site with bidding happening online. Bidding closes on September 23. With only a few weeks to go, prospective buyers are advised to talk to us as soon as possible to get their financing arranged. Having financing approved is considered an essential requirement by most business owners planning to buy vehicles and equipment at auction. We provide operators with the option to apply for finance prior to purchase and have their loan limit and other finance details confirmed before bidding, ensuring they are confident to place that bid and know their limit. To be ready to bid at the Manheim sale, review the lots available and speak with... Read More
Equipment Finance Opportunities for Henty Machinery Field Days Buyers
. 5 min read
Henty Machinery Field Days is an annual agricultural industry event in south-west NSW showcasing the latest in farming equipment, technology and services. The event is the largest of its kind for southern Australia and attracts exhibitors from many areas of agribusiness and country lifestyle. Last year, the event had 860 exhibitors and 55,000 visitors. The dates for 2026 are 22-24 September. For operators in the agri sector, it’s time to make your plans to attend if not done so already and if planning to buy machinery on the day, it’s time to talk to us about your equipment financing. While this event presents a great chance for an annual catch-up with friends and industry contacts, it also presents the ideal opportunity to order new equipment. See what new releases may deliver greater output, productivity and yield for your property. Being ready to capitalise on the opportunity can mean being ready with equipment financing confirmed, saving time in having to follow-up... Read More
Time to upgrade vehicles? Check out latest best selling cars & business vehicle finance options
. 5 min read
In strong July sales the best selling cars were the Toyota RAV4, HiLux and Tesla Model Y, BEVs now 21.7% of total sales and Chinese brands increasingly popular. For businesses looking to upgrade their vehicles, the recent sales figures and trends can provide a place to start considering which makes and models to buy. The trend that emerged in the past few months due to the fuel crisis is electrified vehicles. The sales of battery-electric accounted for 21.7% of July new car sales and the total of BEVs, PHEV and HEV is now 48.4%. Also trending are the Chinese brands. Five of the 10 top selling models for the month are Chinese with BYD coming in at second top selling brand behind Toyota. In a strange twist the ute market has seen a dipped with only all-time favourites HiLux and Ranger making the top 10. While popularity and what others are buying can assist with buying decisions, for commercial operators,... Read More
Address a key source of cashflow problems at the source with Invoice Debtor Funding
. 5 min read
Invoice Debtor Funding is a specialist commercial credit facility which allows businesses to more quickly receive payment for invoices issued to customers. At some stage of their operational life most businesses will experience cashflow issues, not having sufficient funds to meet bills, wages and other commitments. If you regularly experience cashflow issues, perhaps it’s time to take a different approach to dealing with the situation. As this new financial year gets underway, why not consider making a change and considering other options to the way you’ve been handling the problem to date. While many will look at the symptoms – not having funds to pay their bills, not as many may delve deeper and look for a solution to the problem itself - at the source. A Business Overdraft or line of credit is a very popular choice for businesses experiencing cashflow issues. Overdrafts can be extremely effective and can be relatively easily obtained through the business’ bank. But the... Read More
Address Rising Core Costs with Green Equipment Finance and Specialist Business Loans
. 5 min read
Green equipment finance is loans for alternate fuel equipment, machinery, systems, technology and the infrastructure to support energy efficient assets. With fuel and energy costs a major expense for many businesses, access to affordable loans to invest in these types of assets may represent a workable solution to reduce operating expenses. With the ongoing conflict in the Middle East causing diesel and petrol prices to soar, operators across many industries will be considering their options, looking at different ways to reduce their current diesel costs and future-proof the business against possible risks. According to reports, there has been increased interest from the business sector in machines and equipment powered by solar and battery. Exactly the types of assets that may be funded with what has been coined, green equipment finance. For any asset investment to be viable, the funding must be cost-effective. We support businesses to acquire the assets needed to reduce fuel and energy costs and target other core... Read More
What to Consider and Compare With Dealer Finance EOFY Sales Offers.
. 5 min read
Dealer finance offers, typically with a low advertised rate, are marketing tools used by sellers during EOFY sales and other times to attract buyers. When these offers appear around sale time such as the end of the financial year, the price of the goods may not be reduced. The manufacturer or dealer is using the loan offer as a discounting tool instead of a price cut. These offers are seen across many markets – motor vehicles, trucks, machinery and equipment. While these offers may appear attractive, as specialists in asset financing, we advise buyers to cover off closely on the details and compare any offers with what we can achieve for them. What is Dealer Finance? Dealer finance is credit offered at the point of purchase. It may be through the dealer or through the manufacturer of the product. Loans are provided through a credit partnership with the dealer or the manufacturer. Typically, these types of offers advertise a low... Read More
Tax Time Coming – Assess Federal Budget, RBA Rate Rises Impacts on Business Loans
. 5 min read
With tax time approaching, businesses may need to assess the impacts of the Federal Budget and RBA interest rate rises on their operation and business loans. There is no understating the upheaval and disruption that the Australian economy has faced recently. High fuel prices and other flow-on effects of the US-Iran war as well as rising inflation and consecutive RBA rate rises have created challenging conditions for business operators. On top of all that, operators now need to navigate how any policy changes announced in the Federal Budget may impact their business. All as 30 June, tax time, nears. There is a lot to unpack, and it is early days for the Federal Budget. The Treasurer’s speech is just the first stage in the process. The Budget needs to be enacted into law with legislation passing both houses of Parliament. Depending on how those holding the balance of power in the Senate view the Budget Bill, the Government may need... Read More
Choosing the right asset finance facility to suit a business entity involves matching loan features with tax and balance sheet objectives and accounting method. There is not a one-loan-fits-all approach when it comes to financing business assets. Businesses have a choice of several credit facilities to fund acquisitions of motor vehicles, trucks, plant, machinery and equipment. The features of the lending product need to align with the objectives and structure of the business to be workable and effective. Funding for business assets is available with Leasing, Chattel Mortgage, Rent-to-Own, and Commercial Hire Purchase. All are secured format loans available with fixed interest rates and fixed repayment terms. Beyond those similarities, there are differences with each of these lending products. To ensure your business optimises the benefits from acquiring assets with finance, close attention needs to be paid to selecting the right type of loan. As brokers, our role is to find your best financing offer based your needs. We advise... Read More
