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• Australian SME Manufacturers Report Robust Sales Growth in Q3 2025

  In the third quarter of 2025, Australian small to medium-sized enterprise (SME) manufacturers demonstrated notable resilience, achieving a 9% increase in sales compared to the previous quarter. This growth brought the average sales figure to $625,400, marking a significant recovery from the subdued performance observed earlier in the year.

• New Banking Code Strengthens Safeguards for Australian SMEs

  Effective 28 February 2025, the Australian Banking Association's revised Banking Code of Practice introduces significant enhancements aimed at bolstering protections for small and medium-sized enterprises (SMEs). This update marks the first revision in four years and reflects a concerted effort to address the evolving needs of the SME sector.

• Victoria's 2025-2026 Budget Unveils $150 Million Investment in Key Industries and SME Support

  The Victorian government's 2025-2026 budget introduces a $150 million fund designed to stimulate investment in five priority sectors: advanced manufacturing and defence, medical research and health technology, digital technology, the circular economy, and agribusiness. This initiative reflects a strategic effort to bolster economic development and job creation within the state.

• AFCA Advises SMEs to Verify Lender Membership

  The Australian Financial Complaints Authority (AFCA) has recently highlighted a critical issue affecting small and medium-sized enterprises (SMEs): the necessity of verifying a lender's membership status before securing business financing.

• Coalition Proposes Easier SME Loans Without Home Collateral

  In a recent policy proposal, the Coalition has advocated for easing lending regulations to facilitate small and medium-sized enterprises (SMEs) in obtaining business loans without the necessity of using their homes as collateral.

• ATO's Tax Penalty Reforms: What SMEs Need to Know

  Small and medium-sized enterprises (SMEs) in Australia are facing imminent changes to tax penalty regulations that could significantly impact their financial obligations.

• RBA's Interest Rate Reduction: A Boon for Australian SMEs

  The Reserve Bank of Australia's (RBA) recent decision to reduce the official cash rate by 25 basis points to 3.60% presents a significant opportunity for small and medium-sized enterprises (SMEs) across the nation.

• Australian SMEs Embrace Non-Bank Lenders for Flexible Financing

  In a significant shift within Australia's financial landscape, small and medium-sized enterprises (SMEs) are increasingly opting for non-bank lenders to meet their financing needs. Recent data indicates that demand for non-bank lending among SMEs has reached 55% in 2025, marking a substantial increase from previous years.

• Australian SMEs Benefit from Confirmed $20,000 Instant Asset Write-Off

  Australian small and medium-sized enterprises (SMEs) have received positive news with the confirmation of the $20,000 Instant Asset Write-Off for the 2025-26 financial year. This measure allows eligible businesses to claim immediate tax deductions on asset purchases up to $20,000, providing a significant incentive for investment in business growth.

• ASIC Advocates for Stronger Oversight in Private Lending

  The Australian Securities and Investments Commission (ASIC) has recently highlighted the necessity for enhanced regulatory measures within the nation's private lending sector. This call to action stems from findings that reveal inconsistencies and potential risks that could adversely affect both investors and borrowers.

• Australian SMEs Increasingly Opt for Non-Bank Lenders

  Recent data indicates a significant shift in the financing preferences of Australian small and medium-sized enterprises (SMEs), with a growing number opting for non-bank lenders over traditional banking institutions. This trend underscores the evolving needs and challenges faced by SMEs in the current economic climate.

• RBA's Interest Rate Reduction Boosts SME Lending

  The Reserve Bank of Australia's (RBA) recent decision to cut interest rates has led to a notable surge in lending activity among small and medium-sized enterprises (SMEs). This development suggests a revitalization of business confidence and a willingness to invest in growth opportunities.

• Addressing the $38 Billion Equity Shortfall in Australian SMEs

  Australian small and medium-sized enterprises (SMEs) are pivotal to the nation's economy, representing only 6% of all businesses yet contributing 26% to the Gross Domestic Product (GDP). Despite their significance, these businesses face a substantial barrier: a $38 billion equity funding gap that stifles their growth potential.

• 20-Fold Increase in Small Business Restructurings to Sustain Operations

  The Australian Securities and Investments Commission (ASIC) has reported a significant uptick in small business restructurings (SBR), with 3,388 appointments between July 2022 and December 2024.

• AFCA Alerts SMEs to Risks of Unregulated Lenders Amid Complaint Surge

  The Australian Financial Complaints Authority (AFCA) has issued a warning to small businesses regarding the risks associated with unregulated lenders. This comes in response to a notable increase in complaints that AFCA cannot address due to the lenders' lack of membership in the authority.

• 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%.

Read our Articles

• The Essential Guide to Fast-Tracking Your Small Business Loan Approval

  In the fast-paced world of business, securing funding swiftly can be the difference between seizing an opportunity and watching it slip away. For small businesses, the urgency of quick loan approvals is often more pronounced.

• Loan Refinancing Explained: A Comprehensive Guide for Australian Entrepreneurs

  Cash flow is the lifeblood of any business, particularly for startups. It refers to the amount of cash that comes in and goes out of a business. Proper management of this flow is crucial for the success and sustainability of new enterprises.

• Cash Flow Tips: Managing Your Finances for Startup Success

  Cash flow is the lifeblood of any business, especially startups. It represents the total amount of money moving in and out of your business, and its management is essential for ensuring that your company can pay its bills and invest in future growth.

• Flexibility and Freedom: Exploring the Benefits of Working Capital Financing

  Welcome to our exploration of working capital financing. For many Australian small business owners, managing cash flow and covering daily operational expenses can be a major challenge. This is where working capital loans come into play.

• Essential Steps to Launching Your Start-Up Successfully

  Welcome to our comprehensive guide on the essential steps to launching your start-up successfully. Whether you're a budding entrepreneur or an experienced business owner looking to refine your approach, having a solid plan in place is crucial for success.

• The Foundation of Your Future: Key Elements of a Solid Business Plan

  Starting a small business is an exciting venture, but it requires careful planning to ensure long-term success. One of the foundational steps in this journey is creating a solid business plan. A business plan serves as a roadmap, guiding your actions and decisions as you build and grow your business.

• The Role of Debt Management in Small Business Cash Flow

  Cash flow refers to the movement of money into and out of a business. This includes revenues from sales, payments to suppliers, salaries, and other operational expenses. Effective cash flow management ensures that a business can meet its financial obligations and invest in growth opportunities.

• Practical Tips for Maintaining a Healthy Cash Flow in Your Small Business

  Cash flow refers to the movement of money into and out of your business. It encompasses all the income your business earns from sales, payments from customers, and investments, as well as all the expenses for operational costs, salaries, and other expenditures.

• 10 Creative Ways to Fund Your Small Business Startup

  Starting a small business can be both exciting and challenging. One of the hurdles that many entrepreneurs face is securing the necessary funds to get their venture off the ground. Finding the right financial solutions can make the difference between success and failure.

• Understanding Business Credit: A Guide for Small Business Owners

  Business credit refers to the creditworthiness of a business, distinct from personal credit. It enables businesses to establish a credit history that is linked to their EIN (Employer Identification Number) rather than the owner's personal SSN (Social Security Number).

• The Rise of Alternative Lending: What Small Businesses Need to Know

  Alternative lending refers to financial services provided by non-bank institutions. These lenders offer various financing options to individuals and businesses who may find it challenging to secure loans from traditional banks.

• Commercial Property Financing: Overcoming Common Hurdles Faced by Small Businesses

  Entering the sphere of commercial property financing can often present a complex challenge for small business owners. In today's market, understanding the nuances of securing the necessary capital to invest in property can make the difference between the success or stagnation of a business.

• Unveiling the Best Franchise Funding Strategies for Australian Entrepreneurs

  Australia's franchise sector is a dynamic and significant element of the national economy, offering a myriad of opportunities for aspiring entrepreneurs. With an array of brands stretching from fast food to retail stores, the franchise landscape in Australia presents a viable path for business ownership under an established model.

• Avoid the Common Pitfalls: Expert Advice on Startup Loan Applications in Australia

  Embarking on a startup journey is an exhilarating challenge that requires not just a brilliant idea, but a solid foundation of financial support to turn that idea into reality. Finding the right funding can be a make-or-break moment for many startups.

• 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.

• Unlocking Capital: Essential Tips for Securing Startup Financing in Australia

  Starting a business is a formidable venture, and securing the necessary capital to transform a vision into reality is often one of the first major hurdles that Australian entrepreneurs face.

• Creative Financing Solutions for Aussie Businesses to Boost Working Capital

  Working capital is the lifeblood of any business, serving as the catalyst for sustainability and growth. For Australian businesses, maintaining a healthy level of working capital ensures that operations run smoothly and expansion opportunities can be seized without delay.

• Unlock Growth with Smart Leasing: A Small Business Owner's Guide

  Every small business owner knows that having the right equipment is crucial for success. Whether it's the latest tech for your IT company or heavy machinery for construction, equipment can propel your business to new heights.

• Creative Strategies to Fund Your Franchise Without Breaking the Bank

  Embarking on a franchise venture holds the promise of a prosperous future, but all too often, prospective franchisees are confronted with the substantial challenge of securing adequate funding to power their entrepreneurial dreams.

• 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.

• Top reasons why small business loans are denied and how to avoid them

  Small businesses often require loans to grow and expand their operations. However, not all loan applications are approved, and denials can be frustrating and demotivating for business owners. Understanding the reasons behind loan denials is critical to avoid making the same mistakes and increase the chances of future loan approvals.