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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

Short term finance solutions are an option for businesses where the relief measures for high fuel prices are insufficient in supporting cash flow shortages. The situation in the Middle East has created a serious crisis for many Australian businesses. The high price of fuel and supply shortages causing issues with meeting their commitments. Many transport operators may soon receive their monthly fuel bills and be left short to make the payment. While the general public are advised to take public transport and adapt their travel plans, for business, the solution is not that simple. The reality for many businesses is on both income and costs fronts. On the outgoings side, these types of unexpected cost increases that must be met to keep the business going, may mean less funds for other bills. While the Federal Government has implemented a plan with measures to support business and consumers, when a business fails to meet its payment obligations, the flow-on effects and... Read More

Businesses looking to refinance asset loans after a RBA rate rise may or may not get a better rate, but other credit solutions may deliver effective outcomes. When refinancing, many businesses are seeking a lower interest rate to reduce repayments. When the Reserve Bank (RBA) announces an increase to the cash rate, many lenders will follow with an increase to their own rates. Depending on the interest rate on the current finance, seeking a lower rate through refinancing may be a challenge in this type of scenario, but not always insurmountable. The commercial credit market is vast and highly competitive and attractive interest rates may be found through the right lenders. Business owners may also find other ways to achieve the same objective as they were seeking with refinancing. These may include restructuring the loan and by considering alternatives to refinancing. Alternatives such as specialised credit products to address the issues which have given rise to the need for refinancing.... Read More

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

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