Each week, we deliver a clear, credible wrap of Australian small business news — policy changes, tax and compliance updates, economic trends, technology shifts, grants, and standout industry stories. Expect plain-English context, key takeaways, and what it means for your operations. Stay informed in minutes, stay ahead of change, and start the week organised. We highlight major headlines from government, regulators, and trusted business outlets, summarised with practical context you can use.
This Week:
This week: SMEs warn insurance premiums are surging and want coordinated reform; CPI is around three per cent and markets lean to rate cuts later this year, so review borrowing plans; cyber liability insurance sales jump as incidents and penalties rise; and the ATOs Small Business Superannuation Clearing House stops new sign‑ups from 1 October ahead of a July 2026 shutdown. Action: review cover, strengthen cyber controls, and compare business loan options to manage cash flow and be ready if rates ease.
EPISODE 746 | Small Business Finance SME Newscast | Sat, 4th Oct 2025
9 Oct 2025 | Paige Estritori
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Read Full Transcript:
Hello and welcome to Small Business Finance SME Newscast, Im Paige Estritori, its Friday, 3 October 2025.
First, insurance costs are biting. A national business–industry report this week says SMEs are cutting cover or going without as premiums jump, with some reporting rises of around thirty per cent in a year. Calls are growing for coordinated reform to taxes on insurance and civil liability laws. If rising premiums are squeezing cash flow, consider reviewing cover and building a buffer; if you need working capital, we can compare options quickly so youre not delaying essential protection.
Meanwhile, inflation edged back to about three per cent on the consumer price index, the top of the Reserve Bank of Australias target band. Markets are leaning toward rate cuts later this year, but nothing is guaranteed. For borrowers, that means keep repayments steady and avoid over‑extending; if youre planning a purchase, compare fixed and variable business loans now so you can move fast if conditions ease.
On cyber risk, small business demand for cyber liability insurance has surged, with one insurer reporting sales up about fifty per cent over the year. Cyber incidents are frequent and costly, and penalties for data breaches are tougher. Practical step: tighten controls, price cyber cover, and if premiums are rising, look at a line of credit or short‑term funding to spread costs while you lift your defences.
And a payroll heads‑up: the Australian Taxation Offices Small Business Superannuation Clearing House is being phased out as payday super is introduced. New users cant sign up from 1 October, and the free service closes on 1 July 2026. Dont leave it late—test alternative clearing options and update your payroll workflows so super moves on pay day without disrupting cash flow.
Thats it for this week. For quick comparisons and a fast eligibility check on business loans, head to small-business-finance.com.au. Thanks for listening and have a productive week.
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Debt Consolidation: Debt consolidation usually involves negotiating a new loan to pay other existing loans in order to get more favourable interest rates and terms.
