Can Credit Cards help Small Business?

According to report in the Sydney Morning Herald today, Australians owe $45 billion on credit cards and are paying more than five billion dollars a year in interest.  Where does this kind of ‘debt trap’ leave small business? Accessing affordable funding is an ongoing issue for small business.  The RBA has previously reported that due to a lack of […]

MINING FOR VALUE

[et_pb_section fb_built=”1″ _builder_version=”3.0.47″][et_pb_row _builder_version=”3.0.48″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on”][et_pb_text _builder_version=”3.0.74″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”]We first opened our doors in Newcastle in 1996. We have a number of divisions within the business; lifting division, Chemical refurbishment and our rapidly growing labour hire division. It was for the latter that we needed the help of Apricity. […]

Family Owned Electrical and Air Conditioning Company

We are a family owned electrical and air conditioning company in the Mackay and Whitsunday region. Our biggest customer is a large mining firm, who pays on extended terms. While they are a great customer, this does create some cash flow strain on our business. Additionally, our business has been growing rapidly and we needed […]

NEW ZEALAND FOOD IMPORTER

Invoice Finance

[et_pb_section fb_built=”1″ _builder_version=”3.0.47″][et_pb_row _builder_version=”3.0.48″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on”][et_pb_text _builder_version=”3.15″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”] Our company is a food importer, primarily focused and on niche, health related markets such as gluten free, vegetarian and vegan. We supply into health food chains, independent suppliers and major supermarkets across New Zealand. Late last year, we successfully […]

Australia’s Kate Carnell fighting the good fight

We love Australian Small Business and Family Enterprise Ombudsman Kate Carnell. At Apricity Finance, we believe that she speaks the truth and really understands the needs of small to medium businesses across the country. A recent article in SmartCompany quotes Ms Carnell’s warning that SMEs won’t be able to sell their businesses unless access to finance improves. […]

5 Tips For Securing Invoice Loans With Minimal Risk

Cash flow finance is usually a major concern for small and medium businesses, particularly in recent years when invoicing periods have increased to 30, 60 and 90 days. If you want your small business to survive, it is essential to think outside the box, which is where invoice loans come help.   Unlike other business loans, invoice […]

Cashflow finance – getting the facts straight

From Alan Hewitt For any business owner, cashflow dictates whether you live or die. Protecting it and maintaining control must be an absolute priority if your business is to flourish. But with customers setting their own terms as to when you receive payment, this can be difficult to do. There are a wide range of […]