This article looks at Working Capital Management SME's.  Overview Working capital (“WC”) is the lifeblood of business. Poor working capital management has caused many businesses to st...

Credit is one of the critical elements of a functioning economy. Whether you are a borrower, finance broker or even a banker dealing with credit approvals, the approach to communicating your story is...

"Funding is critical for any Business..." It is critical to understand the composition of your funding. This includes the relationship between debt, equity or cash funding of a business operation and...

"Revenue is Vanity, Profit is Sanity but Cash is Reality..." Not sure of the origins of this quotation, though in business it often rings true. Many business owners may not be aware of how to interpre...

Is your business funded properly to drive growth? Do you have great ideas for innovation? Is demand outstripping your ability to supply? Does your business require new equipment to pivot into growing...

Commercial property is used for business activities, or to generate a profit through the collection of rental income or capital gain. It can be in many forms including office buildings, hotels & m...

Your Credit life only is as good as your Credit Score. You may have heard about credit scoring in the context of your finance application. A credit score is a statistical number that, based on cr...

So you run your own business?  Do you know what it is worth?  How do you value it? Is it a Business? According to data produced by the Australian Small Business and Family Enterprise Om...

Debt to Income Ratios (“DTI’s”) have been a part of financial analysis for a long time. So whilst not new, we are hearing them as a language in mortgage lending.  First the...

Fixing the interest rate on your loans can provide certainty for your cash flow. It does bring some limitations, so it should be a considered part of your debt management strategy. In Australia, you c...

The ACCC released the official Consumer Data Right (CDR) Rules, clarifying ways to request CDR data and its application in the banking sector. Firstly, let’s go through what we are talking about...

The New & Old World of Credit With the Banking Code of Practice now effective, there is greater support for borrowers and small businesses. There are some wins for borrowers, but with stronge...