by Cameron Bagrie | Jun 1, 2022 | Blog, News
Warren Buffet once commented that when the tide goes out, you find out who has been swimming naked. Skinny-dipping has been rampant. The economic cycle has turned and the piper needs to be paid. Inflation is rampant. Taming inflation is not growth (think business...
by Apricity Finance | Apr 27, 2022 | Blog
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...
by Cameron Bagrie | Apr 14, 2022 | Blog, News
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...
by Apricity Finance | Mar 24, 2022 | Blog
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...
by Apricity Finance | Mar 9, 2022 | Blog
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...
by Cameron Bagrie | Mar 2, 2022 | Blog, News
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...
by Apricity Finance | Jan 27, 2022 | Blog
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...
by Cameron Bagrie | Jan 27, 2022 | Blog, News
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. ...
by Linden Toll | Jan 11, 2022 | Blog
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...
by Apricity Finance | Dec 10, 2021 | Blog
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...
by Cameron Bagrie | Dec 10, 2021 | Blog, News
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...
by Cameron Bagrie | Dec 2, 2021 | Blog, News
Debt levels are the normal focal point when talking about financial vulnerabilities. An under-appreciated reason for business failure is a lack of working capital, i.e., the cash to manage short-term commitments and operations. Having sufficient working capital and...
