Category : Blog

5 Minutes With… Daisy Batty

5 Minutes With… Daisy Batty

DAISY BATTY Marketing Executive 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,...
Invoice finance – it’s just good business.

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...
The Rise of Non-Banks and Boutique Solutions

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...
5 Minutes With… Andrew Collins

5 Minutes With… Andrew Collins

ANDREW COLLINS Head of Sales and Relationships, QLD & NT 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...
Stop Banking On The House

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. ...
The New COVID Lockdown – The Claytons Lockdown

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...
Futureproofing for 2022

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...
Change is the New Normal – Buckle up For 2022

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...