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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
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
