Blog
5 Minutes With… Daisy Batty
Daisy started with Apricity in 2021 through her networking links. She is in her final year at Western Sydney University where she is studying a Bachelor of Business with a major in Marketing. Daisy has previously worked in hospitality, and travel and tourism, gaining...
read more
Government procurement initiatives, a game changer for SMEs
In the recent federal budget, the Government announced significant changes aimed at making procurement contracts more accessible to SMEs. These include a requirement for government departments to split up major projects into smaller components making contracts more...
read more
How far will central banks be prepared, or need to go, to tame inflation?
Businesses should be mindful that central banks are now on the warpath against inflation with the rhetoric and expectations towards higher interest rates ramping up. Businesses need to be thinking about what it means for them as the economy moves from the boom into...
read more
Invoice finance – it’s just good business.
In the recent federal budget, the Government announced significant changes aimed at making procurement contracts more accessible to SMEs. These include a requirement for government departments to split up major projects into smaller components making contracts more...
read more
The Inventory Conundrum – Risks and Benefits of Holding Stock
For many small businesses, balancing inventory with supply and demand is a constant headache. How do you ensure your business has the stock on hand to meet customer demand without overstretching yourself financially by purchasing and storing inventory long before you...
read more
The Rise of Non-Banks and Boutique Solutions
The housing market has traditionally been a key funding source for businesses and also entrepreneurs looking to have a crack at an investment. The balance sheet was leaned on. Clever business bankers dressed up business loans in housing attire. Those days look to...
read more
5 Minutes With… Andrew Collins
Joining the team in 2019, Andrew was an English junior football prodigy and was signed by Fulham aged 14, but was found to be not good enough by age 16. His career in the finance industry began with JP Morgan, where he progressed from a phone broker to being on the...
read more
How Alternative Funding Can Boost SME Growth and Resilience
For many small businesses, balancing inventory with supply and demand is a constant headache. How do you ensure your business has the stock on hand to meet customer demand without overstretching yourself financially by purchasing and storing inventory long before you...
read more
Stop Banking On The House
The credit environment has significantly tightened, especially in the housing arena, and of course this has flow-on implications for businesses reliant on lending secured by residential property. The house has been the implicit financing vehicle for many businesses. ...
read more
The New COVID Lockdown – The Claytons Lockdown
For those of us old enough to remember one of the first non-alcoholic drinks was called Claytons. It was a very strange spirit style non-alcoholic beverage that intrigued me as a child. It's advertising line was - 'The drink you have when you're not having a drink'....
read more
Futureproofing for 2022
With only three weeks left until the end of the year, Australia’s small business sector continues to navigate the volatility of our COVID reality. We certainly weren’t alone last Christmas in hoping that the worst of the health crisis was behind us, but this year has...
read more
Change is the New Normal – Buckle up For 2022
Buckle up for 2022. In 2020 we navigated COVID-19 with success. 2021 was a mixture of basking in post recovery sunlight and then the reality as COVID-19 reappeared. The coming year looks set to be fraught with uncertainty, as we learn to deal with the enduring...
read more