How to recognise when ageing equipment may be holding your business back Most business equipment does not stop working overnight. It usually becomes less reliable little by little. A machine takes longer to complete the same task. A vehicle needs another visit to the mechanic. Software freezes at the worst possible moment. Staff develop clever…
Six questions to help make your next equipment investment count A new financial year often brings fresh energy. Business owners review their plans, consider upcoming opportunities and think about what may help the business work smarter. For some, that may include: replacing an unreliable vehicle, upgrading machinery, introducing better technology, or investing in equipment that…
When business owners think about finance, many immediately think about a business loan or overdraft. While both continue to play an important role, they’re no longer the only options available. The business finance market has evolved significantly over recent years, providing access to a broader range of funding solutions designed to support different business needs.…
The beginning of a new financial year is one of the best times to step back and review where your business is today and where you would like it to be over the next twelve months. For many business owners, July is when budgets are reviewed, sales targets are set and business plans are refreshed.…
When fuel is expensive and money is tight, many Australians end up wondering: do I hang onto this car, try to secure a more suitable loan, or change cars altogether? There is no one right answer, however there is a simple way to think about it so you are not making a rushed, emotional decision…
In 2026, the real test of your car choice is no longer just the monthly repayment – it is what happens every time you pull into the servo. Fuel prices remain elevated compared with just a few years ago, and that is quietly reshaping how Australians choose and finance their cars. Rising bowser costs, higher…
Many business owners assume all equipment finance is basically the same, a loan for a van, a machine or a computer. In reality, chattel mortgages and finance lease agreements can produce very different outcomes for ownership, GST treatment, tax deductibility and cash flow. The structure you choose may affect your after tax cost by thousands…
If your business is planning to upgrade equipment this financial year, the weeks before 30 June may be worth a closer look. Eligible small businesses can currently access the $20,000 instant asset write-off for assets first used or installed ready for use by 30 June 2026, with the threshold scheduled to return to $1,000 after…
The aim isn’t to borrow to pay super forever. The aim is to have the right facilities in place so that timing issues don’t turn into crises. Here are your business funding options: 1. Business overdraft linked to your trading account An overdraft is often the cleanest tool for payday super. How it works Your…
From 1 July 2026, payday super turns super from a ‘quarterly chore’ into a pay day cost of doing business. This has very real cash flow consequences for SMEs in Australia. The businesses that plan their funding now will glide through the change. Those that don’t will be ringing their broker in a panic the…