Australian businesses needing finance might not be aware that government business loans are an option, as you more often hear about government grants and assistance. But in reality, there are many forms of financial assistance from government agencies, including business loans. These loans are either interest-free or offered for low-interest rates.

In contrast to unsecured business loans, secured business loans require some form of collateral. Secured business loans have some advantages over unsecured loans, including lower interest rates and the ability to borrow a higher loan amount. If you are considering getting a secured business loan, you might be wondering what you can use as collateral.

Whatever your reason for seeking business finance, there’s the question of business loan rates and fees. Many options are available with different interest rates. In addition, varying fees and charges apply across the spectrum of business finance. To clear up any confusion you might have about business banking, we will take a closer look at business loan fees and rates.

Faced with stricter borrowing requirements from banks, more small to medium enterprises are considering all the options. One of these is ‘going public’ with an initial public offering (IPO). In Australia, there are around 2,400 publicly listed companies. Although you often hear about the large companies of the ASX 200 or ASX 500, you don’t have to be a large multinational business to get listed.

Returning home after an inspiring trip to gelato university in Italy, owner of Pietro Gelateria Mathew Fleay planned to open up shop before summer.

If you have done any research about starting a business or getting investment for an existing business, you’ve probably heard about angel investors. If you don’t know what an angel investor does, we’ll answer your questions here.

If you are a business owner, getting small business finance can be a crucial step to grow your business. However, it could be challenging to understand all the sources of funding available and which one is most suitable for you. Here we’ll examine some of the most common forms of small business finance.

You probably have heard of bridging loans used for buying and selling residential property. For example, if you buy a property to live in before selling your existing home, a bridging loan (also called bridge loan) can be helpful. In this case, the bridging loan is short-term finance that you will repay as soon as you sell your home.

For business owners who don’t have a company track record, low-doc and no-doc business loans can be a viable business finance option. Here we will explain how they work and what’s required to get a no-doc or low-doc business loan.

In business, growing revenue and profit is usually seen as something positive. But there is a downside to growth called overtrading. This occurs when a business expands quickly and does not have the finance in place to fund growth. The result is a lack of working capital to cover day-to-day expenses while sales are growing.

Manufacturing business loans support an important sector of Australia’s economy. Although you might have read about the decline of Australian manufacturing, the figures paint a different picture. As of November 2017, 885,000 people were employed in manufacturing in Australia. This accounted for 7% of people employed, making manufacturing the sixth largest employer. The manufacturing industry also plays a pivotal role in innovation, with 5% of sector value invested in research and development in Australia.

Cash flow is a constant challenge for many small to medium businesses. There are many reasons why businesses run into a cash flow crunch – it could be slow debt collection, bad debt, seasonal sales fluctuations, overinvestment in capacity, or too much stock. Whatever the cause, a cash flow crunch can be a threat to business survival. If you are experiencing a cash flow crunch, here are a few things you can do to work your way through it.