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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
When considering taking on new commercial loans for assets and non-assets, businesses may benefit from preparing and planning prior to the end of the financial year. With cost-of-living pressures affecting many consumers along with the uncertainty stemming from the global tariff situation and the lead-up to the Federal Election, the 2024/25 business environment has been quite challenging for many operators. With the election finalised, businesses can now make their plans based on Labor’s policies. With the markets expecting several rate cuts from the Reserve Bank this year, businesses may have more confidence to plan major asset acquisitions with finance. With the experiences of 2024/25 business owners may consider what financing they should consider, to support their cash flow moving forward. With the end of the financial year not far away, now could be the ideal time to review your current financials, plan your requirements, prepare budgets, have the necessary conversations with your accountant and our brokers, to ensure any new... Read More
Consider Loan Options Ahead of Commercial Kitchen Show
. 5 min read
Commercial Kitchen Show, part of Food and Hospitality Week, Melbourne 18-20 May, showcases equipment, machines, systems and tech for the hospitality industry. This 3-day event brings four shows together into the one event. Providing the opportunity for caterers, restaurants, pubs, clubs, café, food processors, and takeaway outlets with a comprehensive showcase of what’s on offer across the sector. The event will include the Commercial Kitchen Show, the Foodservice Australia Show, Pizza Pasta and Italian Food Show, and the Restaurant Technology Show. Each focussing on a specific area and combined, providing broad-based coverage of the equipment needs across the industry. The event includes exhibitor stands with machines, equipment and systems, as well as conference sessions and a number of social events. For convenience, visitors can register for a ticket that includes entry to all four shows. The event will be held at Melbourne’s Convention and Exhibition Centre from 18 through to 20 May. Visitors can see many new innovations across various... Read More
Apply Now for Quick Loan Approval Ahead of Brisbane Truck Show
. 5 min read
The Brisbane Truck Show opens on 15 May at the city’s Convention Centre and operators can secure heavy vehicle finance beforehand through Business Finance. The Heavy Equipment and Machinery Show (HEMS) is running alongside the truck-focussed show, providing operators with the opportunity to also see the latest in machinery and equipment. Those that are still to arrange their visit are strongly encouraged to head to the event website for ticket sales, travel information and accommodation deals. Exhibitors are also listed on the site so business owners can earmark the manufacturers they want to visit. This is the biggest event for the trucking industry with the show owned and operated by the Heavy Vehicle Industry Association (HVIA). Not surprisingly, the exhibitors include the who’s who of the industry with PACCAR, Mack, Kenworth, IVECO, Volvo, Scania, Western Star, Isuzu, Volvo, Hino amongst the names exhibiting. Low and Zero Emission Vehicle Spotlight With all the changes in the transport sector, it’s not a... Read More
