In the current economic climate, waiting for interest rates to stabilise could be doing your business a major disservice. Here’s why: The Reality of Rate Stability Interest rates will always fluctuate. Delaying financial decisions while waiting for stable rates can lead to missed opportunities and increased risks. Businesses that hesitate may find themselves lagging behind […]
Small and medium-sized enterprises (SMEs) are vital to our economy, yet they often face significant hurdles in securing sustainable funding that can alleviate their cash flow constraints. This is where brokers and advisors can make a substantial impact, unlocking unprecedented potential for these businesses by understanding and leveraging working capital finance. Here’s how: Working Capital […]
Expanding your business through acquisition is an exciting prospect, but it requires careful planning. Here are essential tips to ensure a successful transition: Identifying Opportunities Think about your strategic objectives. Are you aiming to expand into new markets, diversify your offerings, or strengthen your competitive position? Understanding your goals will guide your search for suitable […]
Cash flow is the lifeblood of any business, dictating its ability to thrive and grow. Yet, amidst the hustle and bustle of day-to-day operations, many businesses find themselves struggling to maintain a healthy cash flow. One critical factor contributing to this challenge is poor planning of cash spend, which can inhibit cash flow stability and […]
Among the various factors that dictate a business’s success or failure, cash flow stands as #1. Yet, many businesses find themselves navigating their financial journey blindfolded, unaware of the potential pitfalls that inadequate cash flow management can lead to. Imagine embarking on a journey without a map or compass. Similarly, running a business without a […]
In business, understanding cash flow is crucial. Wayne Morris, CEO of Fifo Capital, to learn why it matters and how to make it work for your business. Know Your Numbers Understanding your cash flow is the first step. Morris emphasises, “Too many businesses look at their profit and loss (P&L) and think they’re doing great […]
Did you know that over 80% of businesses fail due to cash flow problems? If you’re solely focused on profit and loss, it might be time to rethink your strategy. Imagine this: Your business is thriving, showing healthy profits on paper. But suddenly, you’re struggling to pay bills, cover salaries, or meet supplier demands. Unfortunately, […]
Australian SMEs are encountering significant financial obstacles, as revealed by the latest insights from CreditorWatch. With payment defaults soaring and financial strains intensifying, SMEs must proactively address these challenges to safeguard their stability and growth prospects. Insights from CreditorWatch Data The recent data from CreditorWatch reveals tough times for SMEs across Australia. Payment defaults are […]
Recent disruptions in the Panama Canal, compounded by Red Sea rebels, port industrial actions, and protests, have significantly impacted global supply chains. Australian SMEs, facing diverse challenges, are urged to seek strategic and versatile solutions to protect their businesses against what looks like yet another “perfect storm” of global freight problems. Understanding the Challenge The […]
In the ever-evolving realm of business, financial stability is the cornerstone of success. For Australian small and medium-sized enterprises (SMEs), securing a steady cash flow while navigating the complexities of today’s markets is a formidable challenge. Enter supply chain finance, a potent financial tool that promises to empower SMEs, fuel growth, and enhance stability. While […]
Fifo’s ATO Debt Finance Solutions In today’s challenging economic climate, Australian SMEs are confronting an increasingly pressing issue – heightened scrutiny by the Australian Taxation Office (ATO) over unpaid tax debts. With over 9,000 SMEs now under the ATO’s watch due to overdue tax payments, businesses are feeling the urgency to address this issue promptly. […]
In today’s globalised economy, Australian import businesses play a pivotal role in meeting consumer demands and driving economic growth. Importers face unique challenges, particularly when it comes to managing cash flow and securing the necessary funds to keep operations running smoothly. That’s where working capital solutions and financing strategies come into play. This article provides […]
In today’s fast-paced business world, the allure of quick fixes and instant results can be tempting. We often hear stories of overnight success and companies that seemingly skyrocket to the top. However, if you’re committed to building a business with lasting power and avoiding the pitfalls of bad debt, it’s time to shift your focus […]
In the dynamic world of small and medium-sized enterprises (SMEs), building and sustaining a successful business requires more than just chance or luck. It’s about developing effective habits that drive growth, innovation, and customer satisfaction. In this article, we’ll explore ten key habits that distinguish good businesses in the Australian SME landscape. 1. Optimise Cash […]
Starting and growing a small business is tough. You have big dreams, but the journey can be bumpy. There are many challenges, and one big puzzle that often gets overlooked is how to manage your money the right way. That’s what we’re here to help with in this guide. We’re going to break it down […]
Cash flow is the lifeblood of small businesses, but it’s tougher than ever for Australian SMEs to protect it. With more rate hikes predicted, rising inflation and the possibility of a recession piling on the pressure, many small business owners across the country are scrambling to stay financially agile and remain competitive. More than half of Australian small businesses are facing cash flow pressures.
Change is sweeping across Australia’s business landscape, marking a distinct shift. Recent research from the Australian Small Business and Family Enterprise Ombudsman has brought a surprising trend to light: the age of small business owners is on the rise. This article takes a pragmatic look at what this means for Australian businesses, particularly SMEs. Dive […]
Are you a small or medium-sized business owner or CFO exploring financing options for your company's growth? This article challenges conventional wisdom by delving into the drawbacks of asset and equipment finance. By the end, you'll gain a fresh perspective on why working capital finance might be the superior choice for your SME. Discover how working capital finance offers scalability, adaptability, and long-term support, revolutionising your business's financial strategy.
In the ever-evolving landscape of the Australian economy, the coming months are primed for businesses to not only adapt but thrive, reimagining their strategies for longevity and growth. As the commercial realm reshapes, so do the financial needs of enterprises, introducing a pressing demand for agile solutions that address their pain points and fuel their […]
In the aftermath of prolonged supply chain disruptions, the Australian business landscape finds itself standing at a pivotal crossroads. While the challenges faced by small and medium-sized enterprises (SMEs) are gradually easing, the lessons learnt from recent experiences carry immense value. As we traverse this evolving terrain, it’s not only crucial to navigate the present […]
In today’s fast-paced business world, maintaining a healthy cash flow is crucial for small business success. But how can you unlock the much-needed working capital to keep your business thriving? From understanding the importance of working capital to navigating different financing options, this comprehensive guide will provide you with the tools and knowledge you need […]
Did you know that poor cash flow management is one of the primary reasons businesses fail? In today’s fast-paced business landscape, effective cash flow management is more crucial than ever. It is the lifeblood of any business, ensuring that there are sufficient funds to meet financial obligations, invest in growth opportunities, and maintain financial stability. […]
Cash flow is the lifeblood of any business, and a key component to understanding what cash flow is in business. It’s the oxygen that keeps your enterprise alive and thriving. But how do you ensure that your business maintains a healthy cash flow? In this comprehensive guide, we’ll explore the intricacies of what is cash […]
In a globalised world, businesses must navigate complex international transactions to remain competitive. Import finance solutions offer a lifeline, providing the necessary funding and support for seamless cross-border trade. This blog post delves into the world of import finance, exploring its various types, benefits, and real-life success stories. Get ready to unlock the potential of […]
Are you facing cash flow problems and want to get money from your unpaid invoices? Debtor finance is a great option that works differently from regular loans, giving you more flexibility and convenience. In this blog post, we’ll explore debtor financing options, compare different types of finance, and share helpful tips for choosing the right […]
Navigating the confusing world of small business finances can be a difficult process for entrepreneurs. To ensure success, it is important to find the best loan option that suits your company’s needs among all possible financial solutions available in Australia. This blog post will share insights into suitable options and some advice on how to […]
Imagine unlocking the full potential of your small business by leveraging the power of cash flow lending. As an alternative to traditional financing options, cash flow lending offers flexibility and speed, providing a lifeline to businesses in need of funds. In this guide, we will delve into the world of cash flow lending, exploring its […]
Understanding the different options available for business financing is an essential part of becoming successful in today’s competitive market. We will explore all types of finance that are open to businesses, big and small, allowing you to make informed decisions about which strategy best suits your needs and can take your company forward. Having a […]
This guide aims to provide a clear understanding of embedded finance and how it can help small and medium-sized enterprises (SMEs) in Australia. By integrating financial services into non-financial products and services, businesses can streamline their operations, improve cash flow management, and save time and money. This guide covers what embedded finance is, how it […]
Understanding trade finance is crucial for businesses, particularly those involved in import and export activities, as it plays a vital role in providing financial support for their operations. Trade finance involves a range of financial services that can facilitate trade transactions and help SMEs achieve their goals. In this article, we will provide a comprehensive […]
If you’re an Australian SME business owner looking to expand your global reach, then international trade financing may be an attractive option. But what is it, and how does it work? In this article, we will guide you through the key insights and tips for securing international trade financing. We will break down different types […]
As an SME business owner, you understand the vital role that cash flow plays in the survival of your business. Without it, you can’t keep the lights on, pay your employees, or keep your doors open. However, late payments, seasonal fluctuations, and unexpected expenses can quickly throw your cash flow off track, even if you’re […]
Managing cash flow can be a challenge for SME owners in Australia. Without adequate cash flow, it can be difficult to pay bills, invest in growth opportunities, and cover expenses like salaries and rent. However, there are ways to address this problem and unlock your business’s potential for growth. To help SMEs in Australia, we […]
Trade finance plays a crucial role in the success and growth of businesses that engage in international and domestic trade. It helps companies bridge the gap between the time they need to pay for goods from suppliers and the time they receive payments for those goods from their customers. This article aims to provide Australian […]
As we move into the latter part of 2024, the economic landscape continues to demonstrate growing pains with rising interest rates correcting from the extraordinarily extended low-rate environment that the world had become complacent with. This shift has placed immense pressure on small and medium-sized enterprises (SMEs) to manage their cash flow more efficiently. In […]
Risk and credit are key features of the business finance industry, and understanding them is crucial for any business owner seeking financing options. And access to finance can be a key factor in determining a business’s success. However, many businesses struggle to obtain the funding they need, often due to challenges related to credit and […]
As a small or medium-sized enterprise (SME) owner in Australia, it’s essential to keep a close eye on your revenue forecasts to make informed business decisions. Whether you’re just starting or have been in business for a while, having a clear understanding of your revenue projections can help you plan for growth, make smart investments, […]
It’s clear that the Australian economy is facing unprecedented uncertainty. Small and medium-sized enterprises (SMEs) are struggling to access the finance they need to grow and develop. And let’s be honest, relying on debt-based loans to keep businesses afloat is like trying to build a skyscraper on quicksand. To ensure a brighter future for Australian […]
Trade finance is a crucial part of both domestic and international trade that Australian SME business owners must understand. It provides businesses with the necessary financing to buy goods and services from overseas and local suppliers, while mitigating trading risks. This guide will explore what trade finance is, its benefits, and how it can help […]
Managing your working capital and cash flow can be a daunting task, especially during uncertain economic times. But with the right tools and strategies, your business can navigate these challenges and come out on top. Embrace the storm, they say. But when it comes to your business, it’s better to be safe than sorry. As […]
The last year has been a rollercoaster ride for Australian businesses of all sizes and industries. As we reflect on the past year, it’s clear that the challenges have only made businesses stronger and more resilient. SMEs that will thrive in the future are the ones that take control of their destiny and are proactive […]
Cash flow is the lifeblood of any business, and mismanaging it can lead to serious financial trouble. In this post, we’ll explore the importance of cash flow and the risks of mismanaging it, and provide some practical tips for keeping your business’s cash flow healthy. Why cash flow is important Cash flow is the amount […]
Debtor finance, also known as invoice finance or factoring, has been around for centuries. The concept of invoice financing can be traced back to the ancient Roman empire, where merchants would sell their invoices to financiers in exchange for immediate payment. In the modern era, debtor finance became more widely used in the 20th century […]
Are you an SME business looking to improve your finances and grow your business? Are you considering supply chain finance or better finance strategies to improve your business? In this post we’ll step you through the ins and outs of this powerful form of business finance and cover: What supply chain finance is Supply chain […]
Compounding success is the concept of building on small victories and making incremental improvements over time to achieve significant results. It’s about taking a long-term approach to success and understanding that the journey to success is a marathon, not a sprint. One key aspect of compounding success is the importance of small changes. In business, […]
Supply chain finance, also known as reverse factoring or dynamic discounting, is a financial tool that can potentially bring a range of benefits to businesses in Australia and help strengthen the business sector. At its core, supply chain finance involves the financing of a company’s accounts payable through a third-party intermediary, such as a bank […]
Small and medium-sized enterprises (SMEs) are the backbone of the Australian economy, making up more than 97% of all businesses in the country. Despite their important role in driving economic growth and job creation, SMEs often face a range of challenges when it comes to managing their financial resources. One way that SMEs can address […]
A lot of jargon surrounds any type of finance. And invoice finance is no different. Given the number of lending providers and terms being shopped about, you’d be forgiven for thinking there were 20 or more different invoice financing options. But thankfully (for 99.99% of us) all you really need to understand is the core […]
If you’re a business owner, then you know that running a business requires a lot of money. You need to purchase inventory, pay employees, and cover other costs associated with operation. This can be difficult if you don’t have the capital available to do so. Traditional business loans can be a great way to get […]
Looking to grow your business and take it to the next level? A business expansion loan can help you do just that. As a business owner, you know that growing your company is essential to success. But sometimes it can be difficult to get the funding you need to make your expansion plans a reality. […]
When you’re a small business, money is always tight. That’s why it’s important to take advantage of every opportunity to save money, and invoice discounting is one of those opportunities. With invoice discounting, you can get access to the cash you need now by taking money in advance, against your unpaid invoices. It’s a great […]
Are you an established business owner eager to expand through strategic acquisitions? This comprehensive guide is tailored to provide you with essential insights into securing a business acquisition loan in Australia. At Fifo Capital, we understand the importance of making informed decisions, and that’s why we’re here to equip you with the knowledge and expertise […]
There are a number of powerful benefits that supply chain finance can bring to any business. The most obvious, is helping your business to grow and reach new markets by getting your products out there in a timely manner. But another major benefit is improved cash flow, as money that would previously have been locked […]
2023 will be a year for businesses to re-gear and rethink how they manage their business and ensure its longevity. As the Australian economy has grown and evolved, so have the financial needs of businesses. Businesses need to be able to access capital quickly to respond to market conditions and to finance their operations. And […]
One of the best ways to strengthen your business and make it easier to access the funds you need to operate and grow, is to start using supply chain finance. Here are just a few reasons why your business should be using this powerful form of business finance. 1. Better cash flow Supply chain finance […]
Struggling to keep up with payments? You’re not alone. Whether you’re a business owner struggling with cash flow issues, or you’re simply looking to improve your cash flow and your overall financial situation, invoice finance is a great way to make use of your working capital. Invoice finance can help you get the money you […]