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Editor's choice
February is when a lot of business owners start feeling the pressure.
Broker
Struggling with Clinic Growth? Let SFE Loans Assist You
The growth and expansion of Medical and Allied Health Clinics demand meticulous financial planning and the right business finance options. Whether upgrading state-of-the-art equipment, enlarging premises, or recruiting new practitioners, clinics face unique financial challenges that require tailored solutions. The healthcare sector is distinct in its needs and financial dynamics, making traditional banking options often inadequate. Clinics not only aim to provide excellent patient care but also need to ensure a financially viable and sustainable operation. This makes navigating business finance a particularly complex task for clinic owners.
Read article
Broker
Why a Finance Broker is Your Best Bet for Business Finance in Regional Locations
The surge in regional business lending highlights an exciting shift in Australia’s economic landscape. As businesses relocate to regional areas for affordability, talent access, and lifestyle benefits, the demand for business finance has skyrocketed. Nowhere is this more evident than in Coffs Harbour, the Coffs Coast, and the Clarence Valley—including thriving towns like Maclean and Yamba—where businesses are expanding rapidly to meet growing consumer demand. Yet, many business owners still rely on the traditional approach—going straight to their bank. But is that the best way to secure finance?
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Business & Commercial Finance
Mastering Business Ownership: A Guide to Organised Lending
For business owners looking to take their ventures to new heights and secure lending for growth, the Better Business Owner Masterclass Series is the ideal solution. This comprehensive course, consisting of eight modules, aims to equip entrepreneurs with the knowledge and skills necessary to build a sustainable and successful business.
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Loans
Brace Yourselves: For the Fixed Rate Cliff!
If you're a homeowner in Australia, this is an article you're going to want to read in this current climate. Fixed interest rates have been low for some time now, which has made it easy for homeowners to lock in a really low rate that they're comfortable with. But as the Reserve Bank of Australia (RBA) continues to signal for increased rates, mortgage holders who've fixed their rates will roll at expiry from their current low rate and be shocked with a much higher interest rate than they may be prepared for!
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Loans
Navigating Debt Wisely: Planning, Costs, and Choosing the Right Financial Facility for Your Business
One of the essential steps you can take as a business owner is to plan your debt effectively. While debt may not be the most attractive aspect of running a business, it’s often necessary to finance the growth of your company. However, choosing the wrong finance facility or failing to understand the cost of funding can have significant costs, even if it may appear cheaper on the surface. In this article we will guide you through the process of items to consider for planning your debt strategically, understanding the cost of funding, and making informed decisions about choosing the right financial facility for your business needs.
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Self Managed Super Funds
Understanding Self Managed Super Funds
When it comes to preparing for retirement, planning ahead is essential. One increasingly popular option is a self-managed super fund (SMSF). However, it might be difficult for some people to understand how it works, especially if it is their first-time hearing about it. That's why we asked Nick Zaras from Concilium Wealth Management to share his insights and experience about SMSFs.
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Business & Commercial Finance
The "In" on Invoice Finance: What You Need to Know
Are you a small business owner that frequently struggles with cash flow? It’s a common issue that can make it challenging to grow your business and become profitable. Fortunately, there are various solutions that can help you manage your finances more effectively. One awesome option is invoice financing.
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Loans
The Best Cashflow Finance Options for Your Business
In business, having steady cashflow is critical to keep operations running smoothly. However, there may be times when your business experiences a short-term dip in revenue or unexpected expenses, leading to uneven cashflow. In this blog post, we will explore the three most popular cashflow finance options: line of credit, debtor/invoice finance, and business term loan.
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Saving
How to Save Money in an Increasingly Expensive World
With the rising cost of living, it can be difficult to make ends meet. Between interest rate hikes, food prices, and rising utility bills, it’s hard to find extra money at the end of the month. But with a few savvy tips and tricks, you can save a lot of money
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Saving
Why You Should Shop Around for a Better Deal
With the increasing cost of living, more and more Australians are shopping around for a bargain or ways to cut costs. Getting a better deal on things like your mortgage rate, electricity, credit card, or internet is not new; however, the time and effort involved deter many customers from looking into options. So why should you shop around for a better deal? Here are a few reasons why!
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Loans
Do I need to be in Business for at Least 2 Years Before I can Apply for a Loan?
A few years ago, you did need to be in business for a minimum of 2 years, providing two years of tax statements to be able to apply for a loan. Today, the answer varies depending on the lender. It’s not how long you’ve been in business but whether your business is financially stable.
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Saving
Tips to Help Manage the Rising Cost of Living
Global events and inflation has impacted the cost of living for all Australians. The cost of everything from groceries, fuel, utilities and mortgages or rent repayments have gone up! Most people are trying to tighten their purse strings or cut back on extra spending. So we’re sharing tips to help manage the rising cost of living.
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Business & Commercial Finance
How to buy equipment for your business
Here at SFE Loans we often hear from people who know what equipment they need yet have no idea how to move forward with the acquisition. In this article we hope to take some of the stresses and confusion out of this process for you with the following tips.
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Saving
What are Self Managed Super Funds
In one of our recent Financial Fofu Podcasts headed by Sarah Eifermann (SFE Loans) and Trudi Cowan (TCK Accountants), they talk with Nick Zaras from Consilium Wealth about Self-Managed Super funds (SMSF’s).Perhaps not a well-known subject, but SMSF’s are another way you can plan for your retirement, and generally have more control.
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Business & Commercial Finance
Borrowing when you are based regionally
There is a common assumption that when you live regionally everything is harder, that borrowing what you need for a regional business or being self employed means it is near impossible to borrow the money you may need. This is simply not true and needs to change. With the right information and help you can find the right pathway to achieve your business and personal goals.
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Business & Commercial Finance
Finance for tradies - what finance to apply for before you hit a cashflow crisis
When working in trades you quickly learn how important your equipment and having the right reliable vehicle is for the success of your livelihood. However, these items can quickly become a large ongoing investment, on top of ensuring you have the cash flow to continue to work and provide quality services, the financial pressures required for trades can quickly lead to stress and cash flow challenges.
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Purchasing Property
Budgeting & it's role when applying for a home loan
Last month we shared some essential money-saving tips to help you reach your financial goals. One of our top tips from the article and a piece of advice we give to all of our clients considering a home loan is to make a budget – where there’s a savings goal there should always be a budget!
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Loans
Navigating Debt Wisely: Planning, Costs, and Choosing the Right Financial Facility for Your Business
One of the essential steps you can take as a business owner is to plan your debt effectively. While debt may not be the most attractive aspect of running a business, it’s often necessary to finance the growth of your company. However, choosing the wrong finance facility or failing to understand the cost of funding can have significant costs, even if it may appear cheaper on the surface. In this article we will guide you through the process of items to consider for planning your debt strategically, understanding the cost of funding, and making informed decisions about choosing the right financial facility for your business needs.
Read articleLoans
Brace Yourselves: For the Fixed Rate Cliff!
If you're a homeowner in Australia, this is an article you're going to want to read in this current climate. Fixed interest rates have been low for some time now, which has made it easy for homeowners to lock in a really low rate that they're comfortable with. But as the Reserve Bank of Australia (RBA) continues to signal for increased rates, mortgage holders who've fixed their rates will roll at expiry from their current low rate and be shocked with a much higher interest rate than they may be prepared for!
Read articleLoans
The Best Cashflow Finance Options for Your Business
In business, having steady cashflow is critical to keep operations running smoothly. However, there may be times when your business experiences a short-term dip in revenue or unexpected expenses, leading to uneven cashflow. In this blog post, we will explore the three most popular cashflow finance options: line of credit, debtor/invoice finance, and business term loan.
Read articleLoans
Do I need to be in Business for at Least 2 Years Before I can Apply for a Loan?
A few years ago, you did need to be in business for a minimum of 2 years, providing two years of tax statements to be able to apply for a loan. Today, the answer varies depending on the lender. It’s not how long you’ve been in business but whether your business is financially stable.
Read article
Broker
Struggling with Clinic Growth? Let SFE Loans Assist You
The growth and expansion of Medical and Allied Health Clinics demand meticulous financial planning and the right business finance options. Whether upgrading state-of-the-art equipment, enlarging premises, or recruiting new practitioners, clinics face unique financial challenges that require tailored solutions. The healthcare sector is distinct in its needs and financial dynamics, making traditional banking options often inadequate. Clinics not only aim to provide excellent patient care but also need to ensure a financially viable and sustainable operation. This makes navigating business finance a particularly complex task for clinic owners.
Read articleBroker
Why a Finance Broker is Your Best Bet for Business Finance in Regional Locations
The surge in regional business lending highlights an exciting shift in Australia’s economic landscape. As businesses relocate to regional areas for affordability, talent access, and lifestyle benefits, the demand for business finance has skyrocketed. Nowhere is this more evident than in Coffs Harbour, the Coffs Coast, and the Clarence Valley—including thriving towns like Maclean and Yamba—where businesses are expanding rapidly to meet growing consumer demand. Yet, many business owners still rely on the traditional approach—going straight to their bank. But is that the best way to secure finance?
Read article
