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.
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 production capacity, or too much stock. Whatever the cause, a cash flow crunch can be a threat to business survival. Here are a few things business owners can do to overcome a cash flow crunch.
Return on investment (ROI) measures investment performance. It calculates the profit as a percentage of the initial investment amount. A positive ROI means you will make more money than you invested. ROI can be the critical difference between ugly debt and positive growth.
Government grants for small business are often overlooked as a way to finance and grow a small business. In Australia, the Commonwealth and state governments offer a diverse range of government grants for companies of all sizes. Here we’ll look at some of the types of government grants and other assistance offered for a range of scenarios.
If you are running a growing business, access to funds can be a challenge – especially if you don’t have property you can use as collateral. Fortunately, there’s a range of unsecured business loans in Australia that you can choose from. If you need funds to grow your business, here are some unsecured business loan options available.
The internet has broken down barriers and made it possible for people to connect in new ways. One of these is peer-to-peer lending, also called marketplace lending. So what is it? Simply put, peer-to-peer lending matches investors with people looking to borrow money. Using an online platform, peer-to-peer lending makes it possible to bypass traditional lenders – such as banks, credit unions and building societies – by connecting lenders and borrowers.
Getting e-commerce business finance can be a challenge no matter what stage you are at with your venture – from start-up to established business. You might think that banks are the only option for getting e-commerce business finance but there are other ways to get the money you need to grow your e-commerce business. Here we’ll look at some of the options for getting e-commerce business finance.
Business credit cards can be confusing. To reduce the stress of choosing the right one, here’s a rundown of all the different considerations to think about when finding the best business credit card for your needs.
Considering a business loan? Before you start looking to apply for a business loan, it will help to understand what banks and other business lenders are looking for when they…
You can have all the right ingredients for a successful business, including the right product or service, excellent customer service and effective marketing that generates revenue. Although it might seem…
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