Guides

The new financial year is upon us! Now that we’re in the 2017-18 financial year, there are a number of new pieces of legislation that could impact how you do business. With many small business owners finalizing all their tax returns and...

Just like you, lenders are in business – and they don’t succeed by making bad deals. When they consider your loan application, they’re calculating the financial risk of entering into an arrangement with you. Let’s break it down. What a lender considers For a lender, financial risk comes...

Knowing the true cost of a loan can be complicated, especially with different lenders advertising different rates, under different terms. However, while this is a good starting point, there are a lot more factors to consider when calculating the true cost of your loan. Annualised Percentage...

When people buy property together, particularly if it’s with a partner or spouse, they often register the title in both people’s names – especially if they’re going to live in the property. But other arrangements are possible, several friends might opt to own individual shares...

No one likes the prospect of being in debt. Owing money can sometimes be a stressful situation, but having access to funding is an important part of business growth, and borrowing can sometimes be the only way to take your business forward. Debt can carry a...

Trade Finance or Supply Chain Finance refers to finance that is used to finance the trade of goods or services. Trade Finance can be used to describe financing of imports or purchases (called Import Finance or Inventory Finance) or alternatively to describe the financing of...

There are certain things to look out for when selecting and applying for a loan for your investment property. Here we look at the main differences, the most popular loan types, and how to get the best mortgage for your situation. Interest-only, fixed, variable, offset –...

For the first time, business ATO arrears may be reported to the credit agencies (Dun & Bradstreet, Veda, Experian etc) as soon as July 2017. This is new As and when this happens, a business’s credit rating will take a major hit. In turn, life will be...

Young businesses face a lot of challenges in the current market. It takes a lot of determination and patience to ensure that your business will succeed. Below we address four of the biggest challenges you may face and ways in which you can try to avoid...