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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
The RBA interest rate decision for 1 April was to keep the cash rate on hold at 4.1% which was in line with the expectations of the financial markets. While there was only a slim chance of a rate cut in April, this meeting was of special interest as the first meeting of the newly installed advisory committee on monetary policy. The new group established as an outcome of the Reserve Bank Review, to make decisions on monetary policy. While separate from the Reserve Bank Board, the committee does include several Board members including the RBA Governor, Michelle Bullock. Other issues which made this meeting of interest were the timing with the recent Federal Budget and coinciding with the Federal Election campaign where both major parties are campaigning primarily on cost of living. In addition, the meeting occurred just a day ahead of the US Administration announcing its next round of tariffs which are expected to impact Australian exports to... Read More
What RBA Interest Rate Cut Means for Commercial Loans
. 5 min read
The RBA interest rate cut in February is expected to be reflected in lender rates on commercial loans with specific rates varying with individual lenders. While the decision to cut rates was highly expected and most lenders passed on the cut to home mortgage holders promptly, a different scenario exists in the commercial lending sector. The commercial loan sector operates differently from the mortgage and consumer credit sectors. Commercial loans – finance for businesses, is a vast and diverse market and is not as closely regulated as consumer credit. The Reserve Bank (RBA) decision possibly leaving businesses with continuing challenges navigating the market to find their best rate and their most suitable lender. As specialists in commercial lending, we assist businesses to better understand the current scenario with an elaboration of the RBA’s February decision, possible outcomes from changes to how rates are set, and how operators can more easily secure affordable financing. Reserve Bank February Interest Rate Cut The... Read More
Fast Approval for Natural Disaster Business Finance & Asset Loans
. 5 min read
Natural disaster business finance and loans to replace damaged assets may be sourced and approved quickly through specialist finance brokers Business.Finance. We provide prompt service and professional support for businesses across Australia that have been impacted by events such as the recent bushfires in Tasmania and Victoria, rain and flood events in Queensland and northern NSW, and from Cyclone Zelia in the Pilbara district of WA. Fast loan approval is available for finance to replace assets – cars, trucks, equipment, machinery, which written-off or unserviceable, and for overdrafts and loans to support cash flow and purchase stock, materials and other supplies. Our brokers handle sourcing, negotiating and settling loans so operators can focus their attention on the clean-up and getting the business back up and running. Unserviceable Assets - What to Do First When business assets such as machinery, trucks and other vehicles have been rendered unworkable due to damage from fire, flood or cyclone, operators can start the process... Read More
Increase Performance with Next Level Tech CAT Dozer
. 5 min read
The next generation CAT Dozer D8 has advanced technology to deliver more accurate results, faster, simplify machine transitions & boost operator productivity. Dozers are one of the most versatile and widely used machines across multiple industry sectors and the new D8 may be the solution for many operators. Caterpillar announced this new model in December 2024, highlighting how the design makes it easier for the operator to change to different sized machines and how the C15 engine provides increased horsepower compared with earlier models. Power required to tackle make ripping, grading and dozing jobs in challenging operating conditions. For any investment in new machinery to genuinely deliver in both the application and on the bottom line, the financing must also be workable. We outline the key features of the new D8 and the affordable CAT finance we can offer to all types of business operations. New CAT Dozer D8 Features The long undercarriage is a key feature of the new... Read More
Record 2024 Truck Sales – Isuzu Trucks the Top Selling Brand
. 5 min read
Isuzu Trucks was the top-selling brand of commercial vehicles in Australia for the 36th consecutive year with the market overall setting another sales record. According to figures from the Truck Industry Council, 2024 sales eclipsed the 2023 record with Japanese brands Isuzu, Hino and Fuso topping the overall best sellers and Kenworth remaining on top in the heavy-duty segment. While the record totals are encouraging for the market and potentially a positive indicator for the transport sector, not all brands posted uplifts in sales. Some of the top names, including the big 3 in light and medium duty, all posted drops compared with 2023. In drawing comparisons with the previous year it should be noted that the 2024 figures includes LDV and Peugeot which previously were not included in collating sales figures. Knowing which brands are best sellers can be an indication of what other operators, possibly your competitors, have already assessed as the best options. We report on the... Read More
Finance Guide for Buying at 2025 Field Days, Expos and Shows
. 6 min read
Operators planning to order vehicles and equipment at 2025 field days and shows can engage with Business Finance ahead of the event to arrange their funding. We assist owners and operators of all types of businesses to optimise the buying opportunities presented with annual expos, by ensuring affordable funding is locked in ahead of the date. Enabling businesses sufficient time to consider the options available to them, confirm their credit limits and secure pre-approved finance to streamline the acquisition process. Shows and expos are scheduled throughout Australia throughout the year in many industries, particularly the agricultural sector. Many dates are locked in, many exhibitors locked in, so it’s time to lock in your plans to attend and plan your order. To assist with the planning, we’ve sourced the dates and details for some of the key events in the coming months and our expert tips for planning finance prior to the event. Key Shows and Field Days 2025 For operators... Read More
Prepare now for 2025, assess your cash flow loans, debtor funding, equipment refinance options
. 5 min read
Ensure your business is prepared to take on challenges and opportunities with cash flow loans, debtor funding & equipment refinance through Business.Finance. Before getting into holiday mode, it may be astute to assess how your operation is placed coming into the new year. Was 2024 a challenge or did it bring opportunities? While discussion around high inflation cost-of-living pressures focus primarily on consumers, commercial operations are equally impacted by these and other economic conditions. The outlook for 2025 may vary for different industries and for individual business operations. While builders face multiple challenges, in its November 19 release, the Australian Construction Industry Forum (ACIF) forecasts moderate growth for the sector. The ACIF said that despite the economy slowing, the amount of work in the pipeline should drive growth in the sector. Proposed tariff changes by the incoming US administration may be an issue for some businesses to consider, with potential positive and negative effects, depending on the industry sector. Businesses... Read More
