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  • RBA's Interest Rate Cut Fuels SME Lending Boom

    In a significant development for Australia's small and medium-sized enterprises (SMEs), the Reserve Bank of Australia's (RBA) recent interest rate cut has led to a substantial increase in business lending.

  • Prime Capital Unveils 'Business Jumbo Loans' for SMEs

    In response to the growing demand for substantial business financing, Sydney-based non-bank lender Prime Capital has introduced its 'Business Jumbo Loans' program. This initiative offers loans ranging from $5 million to $25 million, with interest rates starting at 8.64% and a loan-to-value ratio of up to 75%.

  • NAB Report Identifies Key Challenges Facing Australian SMEs

    The National Australia Bank's (NAB) Q2 2025 Economics SME Business Insights report has shed light on the primary concerns confronting Australian small and medium-sized enterprises (SMEs). The report identifies cash flow management, profitability, and navigating government policies and regulations as the most pressing issues for SMEs.

  • Extended Loan Terms: A New Strategy for Australian SMEs

    In response to ongoing economic challenges, Australian small and medium-sized enterprises (SMEs) are increasingly opting for longer-term loans to manage cash flow and sustain operations.

  • Australian Businesses Seek Loans as Insolvencies Peak

    Recent data reveals a concerning trend among Australian businesses: a 6% increase in business loan applications coinciding with a 21% rise in insolvencies, marking a five-year high. This pattern suggests that many businesses are seeking additional financing not for expansion, but as a means of survival amidst mounting economic pressures.

  • Australian SMEs Shift Towards Non-Bank Lenders for Growth Financing

    In a notable shift within the Australian small and medium-sized enterprise (SME) sector, a recent survey indicates that 57% of SMEs anticipate an average revenue growth of 8% by March 2024.

  • Cash Flow Concerns Escalate for Australian SMEs Amid Economic Strains

    Australian small and medium-sized enterprises (SMEs) are currently grappling with significant cash flow challenges, as highlighted by a recent survey commissioned by the Commonwealth Bank.

  • KPMG Forecasts Economic Hurdles for Australian SMEs Amid Rising Costs

    Australian small and medium-sized enterprises (SMEs) are facing a challenging economic landscape, as outlined in KPMG's Quarterly Economic Outlook released in July 2024. The report projects sluggish economic growth coupled with rising operational costs, factors that could significantly compress profit margins and impede business expansion for SMEs.

  • Cash Flow Crunch: How Rising Costs Are Impacting Australian SMEs

    Australian small and medium-sized enterprises (SMEs) are currently navigating a challenging financial landscape marked by escalating operational costs and constrained access to external financing. This environment has compelled a significant number of business owners to inject personal funds into their ventures to maintain liquidity and sustain operations.

  • Funding Divide: Tech Startups Thrive as Traditional SMEs Struggle

    The Australian business financing landscape is experiencing a pronounced divergence. On one hand, technology startups are attracting substantial venture capital investments, while on the other, traditional small and medium-sized enterprises (SMEs) are encountering increasingly restrictive lending conditions.

  • Resilient Growth: Australian SMEs Set to Invest Amid Challenges

    Amidst a backdrop of economic uncertainty and rising operational costs, Australian small and medium-sized enterprises (SMEs) are demonstrating remarkable resilience.

  • Australian Entrepreneurs Embrace Business Acquisitions Over Startups

    In recent years, a notable trend has emerged among Australian entrepreneurs: a growing preference for acquiring existing businesses rather than launching new startups. This strategic shift reflects a desire for stability and immediate scalability, reducing the inherent risks associated with starting a business from scratch.

  • Call for Government-Backed Loan Guarantee to Support SME Acquisitions

    Australian accountants are rallying for the establishment of a government-backed Small Business Loan Guarantee to facilitate the acquisition of existing small and medium-sized enterprises (SMEs). This initiative aims to address the financing challenges faced by prospective buyers, particularly in light of the impending retirement of numerous business owners.

  • Embracing AI: How Australian SMEs Are Driving Growth and Efficiency

    Australian small and medium-sized enterprises (SMEs) are increasingly integrating artificial intelligence (AI) into their operations, leading to enhanced efficiency and revenue growth. A recent Salesforce report indicates that 85% of Australian SME leaders are either using or experimenting with AI technologies, surpassing the global average of 75%.

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Business Loans Articles

Building Better Business Credit: A Path to Improved Cash Flow
Building Better Business Credit: A Path to Improved Cash Flow
For small businesses, the facility to obtain credit can dramatically affect daily operations and long-term growth strategies. Managed wisely, it allows for the leverage needed in negotiations, and procuring investment opportunities, and can often mean the difference between stagnation and scaling new heights in the corporate landscape. - read more
Investing in Growth: How to Finance Your Business Expansion Strategically
Investing in Growth: How to Finance Your Business Expansion Strategically
Australia's dynamic SME landscape is ever-evolving, constantly presenting new opportunities and challenges for today's entrepreneurs. Growth is not just a goal but a necessity for these small and medium enterprises to thrive in the competitive market. As these businesses stand on the cusp of expansion, it becomes critical to recognize the indicators for growth and to approach this next stage with a robust strategic plan. - read more

Finance News

RBA's Interest Rate Cut Fuels SME Lending Boom
RBA's Interest Rate Cut Fuels SME Lending Boom
11 Nov 2025: Paige Estritori
In a significant development for Australia's small and medium-sized enterprises (SMEs), the Reserve Bank of Australia's (RBA) recent interest rate cut has led to a substantial increase in business lending. Data from SME lender OnDeck Australia indicates a 40% year-on-year rise in lending volumes during the three months following the RBA's February rate reduction. This surge underscores the positive impact of lower borrowing costs on the SME sector. - read more
Prime Capital Unveils 'Business Jumbo Loans' for SMEs
Prime Capital Unveils 'Business Jumbo Loans' for SMEs
11 Nov 2025: Paige Estritori
In response to the growing demand for substantial business financing, Sydney-based non-bank lender Prime Capital has introduced its 'Business Jumbo Loans' program. This initiative offers loans ranging from $5 million to $25 million, with interest rates starting at 8.64% and a loan-to-value ratio of up to 75%. Notably, the approval process is streamlined to provide decisions within 24 hours. - read more

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Knowledgebase
Leverage:
The use of borrowed funds to increase the potential return of an investment, but which also increases potential risk.