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# Ledge Finance Ltd: Secure Your Growth

## Sitemaps
[XML Sitemap](https://www.ledge.com.au/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Carbon Footprint Data Requests Are Hitting WA Suppliers: How to Respond and Win Work](https://www.ledge.com.au/news/carbon-footprint-data-requests/): If you supply the resources sector in Western Australia, there's a good chance you’ve received a request for carbon footprint data.
- [The Impact of AI on Jobs, Business and the Economy](https://www.ledge.com.au/news/ai-impact-on-workforce/): Artificial Intelligence (AI) is no longer something only big tech companies talk about.
- [What Australia’s mandatory climate reporting regime means for your business](https://www.ledge.com.au/news/australias-mandatory-climate-reporting-regime/): The country's largest companies have now lodged their first reports under the Australian Sustainability Reporting Standards, anchored by Australian Accounting Standards Board Standard S2 (AASB S2).
- [How Cyber Risk Can Impact Access to Finance](https://www.ledge.com.au/news/cyber-risk-impact-on-finance-access/): Cyber risk has become a fundamental component of that assessment. As businesses rely more heavily on digital systems and data, questions around cybersecurity are now a standard part of due diligence. Failure to effectively address your cybersecurity risk can ultimately delay or derail funding and transaction decisions.
- [What the Permanent Instant Asset Write-Off Means for Small Businesses](https://www.ledge.com.au/news/what-the-permanent-instant-asset-write-off-means-for-small-businesses/): The Federal Budget has delivered some welcome certainty for small business owners, with the $20,000 Instant Asset Write-Off now set to become an ongoing feature of the tax system for eligible businesses.
- [Emerging Trends in Supply Chain Management – And What This Means for Australian Businesses](https://www.ledge.com.au/news/emerging-trends-supply-chain-management/): Current trends in supply chain management reflect a broader shift towards automation, accountability, and diversification.
- [Ledge’s Expertise in Debt Advisory Services](https://www.ledge.com.au/news/expertise-in-debt-advisory-services/): Ledge stands as a trusted partner in tailored debt advisory services for Western Australian SMEs, helping clients manage change, mitigate risk, and seize new opportunities.
- [Water Corporation Capital Works Program 2026: What You Need to Know](https://www.ledge.com.au/news/water-corporation-capital-works-program-2026/): Following the release of Water Corporations latest capital works pipeline, Western Australia is entering a significant period of investment in water infrastructure.
- [How Autônomo scaled with strategic financial support](https://www.ledge.com.au/news/how-autonomo-scaled-with-strategic-financial-support/): Founded in 2018, Autônomo specialises in integrating advanced autonomous and digital technologies into mobile plant for industries including mining, oil and gas, transport, healthcare, and construction.
- [Australian Dollar Forecast 2026: What Rising AUD Means for Aussie SMEs](https://www.ledge.com.au/news/australian-dollar-forecast-2026/): As Australian businesses plan for the year ahead, the Australian Dollar forecast for 2026 is an important factor to consider.For businesses exposed to imports, exports or offshore capital flows, movements in the AUD can influence margins, pricing strategy and investment timing.
- [Dartbrook Coal: A $10 Million Lesson in PPSA Compliance](https://www.ledge.com.au/news/dartbrook-coals-ppsa-compliance/): It’s been over a decade since the Personal Property Securities Act 2009 (PPSA) fundamentally changed the landscape of secured lending and leasing in Australia.
- [The new Payday Super rules: is your business ready?](https://www.ledge.com.au/news/payday-super-rules/): From 1 July 2026, the introduction of Payday Super will fundamentally change the timing of Superannuation Guarantee (SG) payments, moving from quarterly payments to alignment with your regular payroll cycle.
- [Succession Planning in Farming: Overcoming Challenges and Securing Your Legacy](https://www.ledge.com.au/news/succession-planning-in-farming/): For many Western Australian farming families, the farm is more than a business — it’s home, history, and legacy built over generations. Yet Succession Planning in agriculture is rarely straightforward.
- [Understanding Business Line of Credit Loans](https://www.ledge.com.au/news/understanding-business-line-of-credit-loans/): Let’s explore business line of credit loans, to help you decide whether they’re a good fit for your needs.
- [Reframing Wealth: How Multi-Capital Thinking Shapes Stronger Family Legacies](https://www.ledge.com.au/news/reframing-wealth/): What is the purpose of building wealth in a family business setting?
- [WA Commercial Property Pulse Check – October 2025](https://www.ledge.com.au/news/wa-commercial-property-pulse-check-october-2025/): Western Australia’s commercial property market remains mixed in 2025, with industrial and retail sectors showing resilience, while office assets face elevated vacancy and selective investor interest.
- [Beyond Wealth: Discovering Purpose in Family Business Succession](https://www.ledge.com.au/news/family-business-succession/): By offering customised learning pathways, Oasis supports leaders and family businesses in developing relational maturity, enhancing communication, and building trust — leading to workplaces where people succeed and high performance is achieved.
- [Surety Bonds Explained: A Smarter Alternative to Bank Guarantees](https://www.ledge.com.au/news/surety-bonds-explained-a-smarter-alternative-to-bank-guarantees/): But there’s another option: surety bonds.
- [Succession Planning in Family Businesses: Honouring Talent & Preserving Relationships](https://www.ledge.com.au/news/succession-planning-in-family-businesse/): When families openly acknowledge the complexity and emotional undercurrents of succession planning, they create space for open and honest dialogue rather than division.
- [Forecast: $25 Billion Per Year WA Civil Construction Market by 2035](https://www.ledge.com.au/news/forecast-wa-civil-construction-market/): The new WA Civil Infrastructure 10 Year Outlook report, commissioned by the Civil Contractors Federation Western Australia (CCF WA) and written by Oxford Economics, highlights a $208 billion pipeline of civil construction work ahead in WA over the next decade.
- [Beyond the Numbers: Turning Your Carbon Footprint Data into Business Success](https://www.ledge.com.au/news/carbon-footprint-data/): Your carbon footprint data is the beginning of this journey.
- [Understanding Australian Cyber Regulations: What You Need to Know](https://www.ledge.com.au/news/cyber-regulations/): Cyber security regulations are put in place by governments and industry groups around the globe to protect sensitive information and safeguard digital systems. '
- [The Fairness Paradox: Navigating Perceptions of Equity in Family Enterprises](https://www.ledge.com.au/news/the-fairness-paradox-equity-in-family-enterprises/): One of the most common and least talked about is the fairness paradox.
- [Your Small Business Guide to Measuring Your Carbon Footprint: A Step-by-Step Roadmap](https://www.ledge.com.au/news/measuring-your-carbon-footprint/): Whether you’re taking a proactive step toward sustainability or responding to regulatory or stakeholder requirements, measuring your carbon footprint is becoming an essential part of doing business.
- [How Understanding Your Carbon Footprint Could Save Your Business Money](https://www.ledge.com.au/news/understanding-your-carbon-footprint/): Regulatory requirements are increasing, customers are scrutinising environmental practices, and early adopters are already turning sustainability into profit. The question isn't whether you'll need to understand your carbon footprint; it's whether you'll be ready.
- [Business Loan Refinancing: The ‘Whats’ and ‘Whens’](https://www.ledge.com.au/news/business-loan-refinancing/): Business loans can provide the financial support you need to fulfil those obligations. But what happens when the terms of these loans no longer suit the needs of your business? This is where business loan refinancing may prove beneficial.
- [Australia’s Sustainable Finance Roadmap: What it is and Why it Matters to Your Business](https://www.ledge.com.au/news/sustainable-finance/): In June 2024, the Australian Government released its Sustainable Finance Roadmap – a bold step towards reshaping the nation’s financial system in line with climate, environmental, and social goals.
- [ATO Debt Changes from 1 July 2025: What Your Business Needs to Know](https://www.ledge.com.au/news/ato-debt-changes-from-1-july-2025/): For many businesses, the ATO has long been viewed as a reluctant creditor - a source of enforced but manageable debt when cash flow is tight. But from 1 July 2025, that picture is set to change in a big way.
- [SME Sustainability Success: Creating Enduring Value in Australia’s 2025 Landscape](https://www.ledge.com.au/news/sme-sustainability-success/): Australia's small and medium enterprises (SMEs) are discovering that effective Environmental, Social, and Governance (ESG) and sustainability risk management has evolved from a compliance obligation to a strategic advantage as we approach mid-2025.
- [Understanding Working Capital Solutions: Key Strategies to Optimise Cash Flow](https://www.ledge.com.au/news/understanding-working-capital-solutions/): By adopting the right working capital solutions, businesses can effectively address cash flow challenges and leverage flexible financial strategies that enhance the efficiency of their available funds.
- [Ledge Home Loans Named Best New Office WA](https://www.ledge.com.au/news/ledge-home-loans-named-best-new-office-wa/): We’re proud to share some exciting news from our partner business - Ledge Home Loans - has been awarded Best New Office WA at The Adviser’s Better Business Awards 2025.
- [Backing a Heroic Cause: Team Boom’s 24-Hour Swim for Ocean Heroes](https://www.ledge.com.au/news/boom-fitness-24-hour-swim-for-ocean-heroes/): Over the weekend, Team Boom from Boom Fitness once again showed us what determination, community spirit, and heart look like - completing the epic Revo Fitness 24hr Swim for Ocean Heroes.
- [Instant Asset Write-Off Ending – Time to Act Before 30 June 30 2025](https://www.ledge.com.au/news/instant-asset-write-off-ending/): The clock is ticking for small businesses wanting to take advantage of the $20,000 Instant Asset Write-Off, with the scheme set to end on 30 June 2025.
- [Managing Tax Obligations & Cash Flow for Your Business in 2025](https://www.ledge.com.au/news/managing-tax-obligations-cash-flow/): One key area you shouldn’t overlook is your tax obligations, especially with the Australian Taxation Office (ATO) shifting to a more active enforcement stance.
- [Nell Gray’s Uniform Business Goes from Strength to Strength](https://www.ledge.com.au/news/nell-grays-uniform-business/): Nell Gray, a family-owned and operated business, has been synonymous with uniforms for over seven decades.
- [What is a PPSR Check? Everything Businesses Need to Know About PPSR](https://www.ledge.com.au/news/ppsr-checks/): The Personal Property Securities Register (PPSR) is an important tool for Australian businesses.
- [CEFA offers a pipeline to the future](https://www.ledge.com.au/news/cefa-offers-a-pipeline-to-the-future/): Clean Energy Fuels Australia (CEFA) may have been around for over a decade, but it’s only in the last four years that their ambitions to supply Liquefied Natural Gas (LNG) to remote mine sites have hit the headlines.
- [Australia’s Top 6 Business Trends for 2025](https://www.ledge.com.au/news/6-business-trends/): As we look to the future, the ongoing impact of these changes is shaping a new era of business. Let’s explore 6 key business trends in Australia for 2025.
- [Proud Sponsors of the Business News Book of Lists 2025](https://www.ledge.com.au/news/business-news-book-of-lists-2025/): Ledge Finance is proud to continue our sponsorship of the Business News Book of Lists 2025, a publication that has become an essential resource for Western Australia’s business community.
- [Ledge Home Loans Recognised as a Finalist in the Better Business Awards 2025](https://www.ledge.com.au/news/ledge-home-loans-finalist-better-business-awards-2025/): Ledge Home Loans has been named a finalist in the prestigious Better Business Awards 2025, competing in two key categories: Best New Office and Best Boutique Non-Franchise Office.
- [Mastering Cash Flow: Strategies for SMEs to Overcome Seasonal and Industry Challenges](https://www.ledge.com.au/news/mastering-cash-flow-strategies/): For SMEs, particularly those in Western Australia’s resource sectors, this trend underscores the importance of proactive cash flow management and implementing best practice working capital management techniques.
- [How Can You Use AI in Business?](https://www.ledge.com.au/news/how-can-you-use-ai-in-business/): Artificial Intelligence (AI) is rapidly revolutionising industries and redefining business practices. From automating routine tasks to enabling data-driven decision-making, AI is becoming an indispensable asset for businesses across all sectors.
- [From Rent to Asset: Why now may be the right time to Buy Commercial Property?](https://www.ledge.com.au/news/the-right-time-to-buy-commercial-property/): As businesses across Australia navigate a challenging economic landscape, rising costs are becoming increasingly concerning, especially for commercial property rentals.  
- [November 2024 Supply Chain Update: Shipping and Logistics in Australia](https://www.ledge.com.au/news/supply-chain-shipping-logistics-australia/): As the leading freight forwarder in Australia for transporting machinery, equipment, components and parts domestically and internationally, NMT is here this month to provide a supply chain update – particularly on shipping delays as we head into the New Year.
- [What is a Green Loan? How Green Loans are Revolutionising Australian Business Practices](https://www.ledge.com.au/news/what-is-a-green-loan/): As part of this shift, green loans have emerged as a powerful financial tool for businesses looking to align their operations with eco-friendly goals.
- [Suvo Strategic Minerals’ Green Innovation in Construction 🌱](https://www.ledge.com.au/news/green-innovation-in-construction/): As global demand for greener energy solutions grows, businesses like Suvo Strategic Minerals (ASX:SUV) are leading the way in sustainable green innovation in construction.
- [AUKUS in Western Australia: Major Naval Hub to Boost Economy and Create Jobs](https://www.ledge.com.au/news/aukus-expands-in-western-australia-major-naval-hub/): In a landmark development for Western Australia, the Federal Government has announced the establishment of the largest naval hub in the southern hemisphere at Henderson shipyard as an expansion of AUKUS.  
- [Top 10 Cyber Security Threats in Australia – And What This Means for Your Business](https://www.ledge.com.au/news/top-10-cyber-security-threats-in-australia/): Cyber security threats have become one of the most pressing concerns for businesses today.
- [Funding, Support & Government Grants for Businesses Owners to Unlock AUKUS Opportunities](https://www.ledge.com.au/news/funding-support-government-grants-for-businesses-owners-aukus/): The AUKUS agreement offers Western Australian businesses a unique opportunity to expand beyond traditional sectors and access international markets with tariff-free trade privileges.  
- [Behind Ever Partnership is a Story: KDMS & Ledge Finance](https://www.ledge.com.au/news/celebrating-partnerships-kdms-ledge-finance/)
- [AUKUS: A Game-Changer for Western Australian Businesses](https://www.ledge.com.au/news/aukus/): The AUKUS agreement represents a prime opportunity for Western Australian businesses, particularly those in the Rockingham/Kwinana area, to position themselves at the forefront of a transformative economic shift.  
- [How to Apply for a Business Loan: A Beginner’s Guide](https://www.ledge.com.au/news/how-to-apply-for-a-business-loan-a-beginners-guide/): Join us as we explore how to apply for a business loan and the different types of funding available for your business.
- [Commercial Asset Finance Trends in Australia: Key Pointers](https://www.ledge.com.au/news/commercial-asset-finance-trends/): Commercial asset finance plays an important role in business strategy, enabling businesses to acquire essential equipment and assets required for operational efficiency and growth.
- [Understanding the Extended Instant Asset Write-Off Scheme](https://www.ledge.com.au/news/instant-asset-write-off/): The instant asset write-off, which was due to expire on 30 June 2024, was recently extended by another 12 months, which means eligible businesses can continue taking advantage of this tax benefit in the 2024-25 financial year.
- [How to Make Your Business Carbon Neutral: 7 Key Steps](https://www.ledge.com.au/news/how-to-make-your-business-carbon-neutral/): Becoming carbon neutral is not just a trend but a responsible business practice that can enhance brand reputation, attract environmentally-conscious customers, and contribute to a sustainable future.
- [What is Acquisition Finance? How to Finance a Business Acquisition & How Banks Assess Viability & Risk](https://www.ledge.com.au/news/what-is-acquisition-finance/): Acquisition finance plays an important role in corporate strategy, enabling businesses to expand, consolidate market share, or enter new markets through the acquisition of other companies.
- [Why Environmental Impact Investing Is Important for Businesses: A Comprehensive Guide](https://www.ledge.com.au/news/why-environmental-impact-investing-important-for-businesses/): This growing crisis has led to the rise of environmental impact investing, with many individuals shifting their investment holdings away from fossil fuels and non-sustainable sectors, in favour of eco-friendly industries.
- [Preparing Your Business for Tax Debt Changes in 2025](https://www.ledge.com.au/news/tax-debt-changes-in-2025/): The Australian government has recently announced that starting from July 1, 2025, the general interest charge (GIC) and shortfall interest charge (SIC) will no longer be deductible.
- [What is Business Lending? How it Works & the Key Benefits](https://www.ledge.com.au/news/what-is-business-lending/): For many business owners, access to capital can be crucial for growth, investment, and even maintaining day-to-day operations. Business lending can serve as a vital resource, providing the necessary funds to achieve your objectives. 
- [What is Cyber Insurance? How to Protect Your Business from a Cyber Attack](https://www.ledge.com.au/news/what-is-cyber-insurance-how-to-protect-your-business-from-a-cyber-attack/): Cyber insurance, also known as ‘cyber liability insurance,’ is a type of insurance coverage designed to protect businesses from the potential losses and damages resulting from a cyber attack or data breach.
- [ADENCO & RSK Australia: making waves in water management in the Pilbara](https://www.ledge.com.au/news/ledge-finance-solutions-adenco-rsk-australia-pilbara/): Since 2015, ADENCO Water Management & Civil Engineering has been a major player in the Australian resource and commodity industries.
- [Current Economic Trends in Australia – And What This Means for Your Business](https://www.ledge.com.au/news/current-economic-trends-australia/): Economic trends can have a significant influence on the success of a business. Whether you're a startup, small enterprise, or large corporation, understanding the current economic trends is crucial in steering your ship in the right direction.
- [The secret to Rigsafe’s success as expansion looms in 2024](https://www.ledge.com.au/news/the-secret-to-rigsafes-success/): Tanya Fitzgerald, Business Manager at Rigsafe Lifting Solutions, is rightly proud of the company culture she and her husband, Kevin Fitzgerald, have built over the past eight years at Rigsafe.
- [Businesses Supporting Local Communities: 5 Ways You Can Help](https://www.ledge.com.au/news/businesses-supporting-local-communities/): Let’s explore five ways your business can create a positive impact on your local community through community engagement and other ideas while fostering a sense of support and solidarity.
- [ATO Debt Challenges for Small Businesses](https://www.ledge.com.au/news/ato-small-business-debt/): Navigating the complexities of ATO debt requires strategic financial planning.
- [Current Assets & Liabilities – And What This Means for Your Working Capital Liquidity](https://www.ledge.com.au/news/current-assets-liabilities-what-means-for-working-capital-liquidity/): Essentially, working capital represents a business’s liquidity and short-term financial health. It comprises two crucial components – current assets and current liabilities.
- [What You Need to Know About the Surge in Bond Yields](https://www.ledge.com.au/news/surge-in-bond-yields/): The recent surge in bond yields has sent ripples through financial markets, signifying a pivotal shift after four decades of low-interest rates. This development has drawn attention to the implications it holds for businesses. 
- [Navigating Supply Chain Risks Post-Pandemic](https://www.ledge.com.au/news/navigating-supply-chain-risks/): Recognising the transition to compliance with these regulations is a gradual process requiring careful long-term planning over the next two years (rather than a few months) is crucial for mitigating supply chain risks. This extended timeline allows businesses to conduct thorough assessments of their suppliers, identifying potential ESG vulnerabilities and compliance gaps. It also provides the opportunity to work collaboratively with suppliers to implement sustainable practices, reduce carbon emissions, and ensure ethical sourcing.
- [Top Tips to Better Password Security in 2023](https://www.ledge.com.au/news/better-password-security/): Here are some simple tips to improve password security on your home and business devices.
- [Debt Financing Vs. Equity Financing: Understanding the Key Differences](https://www.ledge.com.au/news/debt-financing-vs-equity-financing/): Financial planning is paramount to the growth and sustainability of any organisation. One of the pivotal decisions faced by businesses in this regard is choosing the right method for capital acquisition—namely, debt financing vs. equity financing.
- [Maximising Wealth Transfer With Estate & Succession Planning](https://www.ledge.com.au/news/estate-and-succession-planning/): Effective estate and succession planning is an important tool in navigating the intricate dynamics within families.
- [How to Prepare for a Cyber Attack](https://www.ledge.com.au/news/how-to-prepare-for-a-cyber-attack/): Whether you're a business owner or an individual user, knowing how to prepare for a cyber attack is essential. In this comprehensive guide, we'll walk you through the steps to protect your digital assets and maintain your peace of mind – from evaluating your preparedness to taking preventive measures and responding effectively should an attack occur.
- [Supporting small business with the small business technology investment and skills and training boost](https://www.ledge.com.au/news/small-business-technology-investment-and-skills-and-training-boost/): The ATO has introduced two measures to support small businesses:
- [G in ESG – Governance: Building Strong Foundations for Business Success ](https://www.ledge.com.au/news/g-in-esg-governance/): Environmental, Social, and Governance (ESG) considerations have become increasingly crucial in business as investors and stakeholders demand greater accountability and sustainability. 
- [Exploring the S in ESG: The Increasing Significance of Social Factors in Business and Investment](https://www.ledge.com.au/news/exploring-the-s-in-esg/): While the primary focus has been on environmental and governance, the importance of social factors in ESG is growing. 
- [Protecting Your Business from Insolvent Customers: The Personal Property Securities Act (PPSA)](https://www.ledge.com.au/news/protecting-your-business-with-ppsa/): The Personal Property Securities Act (PPSA) was introduced in 2012 to do just that – it helps protect Australian Businesses by minimising the impact of insolvency. Yet few businesses in Australia are taking advantage of this beneficial legislation.
- [Emerging Markets to Watch in the New Financial Year](https://www.ledge.com.au/news/emerging-markets/): As the Australian economy continues to mature, it has the unique advantage of observing, influencing, and being part of various emerging markets. From digital technologies and health tech to agriculture and renewable energy, the horizon of local emerging markets is as vast as our Australian continent itself.
- [Understanding the E in ESG: Environmental Considerations for Your Business](https://www.ledge.com.au/news/understanding-the-e-in-esg/): As investors and stakeholders increasingly prioritise environmental impact, understanding the "E" in ESG (Environmental, Social, and Governance) is crucial for businesses looking to thrive in the long term. 
- [What is Working Capital? And How Can Working Capital Finance Benefit Your Business?](https://www.ledge.com.au/news/what-is-working-capital/): Sufficient working capital is crucial for any business to maintain operations and grow revenue. However, not every business has the necessary funds available to cover these costs at any point in time – and that’s where working capital finance can prove an effective solution.
- [WA State Budget Summary: The Key Takeaways for Businesses](https://www.ledge.com.au/news/wa-state-budget-summary/): The announcement of the 2023-24 WA State Budget has confirmed that the WA economy remains strong and resilient whilst highlighting the risks ahead due to the challenges associated with interest rates and the global economy.  
- [Australian Federal Budget 2023-24 Recap for Business Owners](https://www.ledge.com.au/news/australian-federal-budget-2023/): Now that the ink has dried on last week's Australian Federal Budget, which was largely focused on alleviating cost-of-living pressures across the nation, we can evaluate what this means for businesses.
- [Scaling New Heights with Perth Picker Hire](https://www.ledge.com.au/news/perth-picker-hire/)
- [ESG & Increasing Regulator Focus on Greenwashing](https://www.ledge.com.au/news/esg-greenwashing/): However, with the rise of ESG, there comes an increased focus on greenwashing. In Australia, the ACCC and ASIC are working together to address greenwashing or misrepresenting a company's environmental credentials.
- [Building a Positive Workplace Culture](https://www.ledge.com.au/news/building-a-positive-workplace-culture/): In today's fast-paced and competitive business environment, building a positive workplace culture is more important than ever.
- [Consolidated Group on partnering with Ledge Finance to achieve business goals and expansion](https://www.ledge.com.au/news/consolidated-group-on-partnering-with-ledge/): Founded by Theo Tsorvas when he was 25 years old, Consolidated Group exists to problem solve and make it easy, with new thinking in diversified services.
- [Ledge Finance Opens a New Office in Kalgoorlie](https://www.ledge.com.au/news/ledge-opens-kalgoorlie-office/): Our big news - we are excited to announce the opening of our new office in Kalgoorlie.
- [Western Australia’s Economic Outlook for 2023](https://www.ledge.com.au/news/western-australias-2023-economic-outlook/): Contact us today to see how we can help you navigate the complexities of WA's economic outlook for 2023. 
- [Business trends and growth opportunities in 2023](https://www.ledge.com.au/news/business-trends-2023/): As we move further into 2023, it's important for businesses to understand the trends and insights that shaped the previous year.
- [Do You Have a Business Continuity Plan?](https://www.ledge.com.au/news/do-you-have-a-business-continuity-plan/): In today's unpredictable economic landscape, it's important to have a solid business continuity plan in the event of unforeseen events such as natural disasters, cyber-attacks, or pandemics.
- [The Wembley Magpies 2023 Regional Training Camp](https://www.ledge.com.au/news/ledge-in-supporting-wembley-magpies-football-club/): Warren O'Connor, Wembley Magpies Football Club
- [Mercedes Toto Wolff’s Five Leadership Lessons to Cultivate Winning Teams](https://www.ledge.com.au/news/five-leadership-lessons/): To win in Formula One takes strong leadership, purpose, focus and teamwork, strategies that can also help you succeed in business.
- [A fruitful partnership with Ledge reaps rewards for SSH Group](https://www.ledge.com.au/news/partnership-with-ledge-reaps-rewards-for-ssh-group/): “With our strategic growth plan of organic and acquisition-style growth in mind, we set out to align ourselves with strategic partnerships to help us achieve our goals. Ledge Finance was a partnership that truly stood out from the rest.”
- [Leading the way in ESG technology innovation across WA](https://www.ledge.com.au/news/leading-the-way-in-esg-technology-innovation-across-wa/): “We needed a partner with the experience and ability to evaluate new ESG technology that maintained strong and trusted relationships with institutional credit financers”.
- [What is Social Impact Investing?](https://www.ledge.com.au/news/what-is-social-impact-investing/): Social Impact Investing is fast becoming one of the world’s most significant investment trends.
- [Tips for businesses to survive and thrive in tough economic times](https://www.ledge.com.au/news/tips-businesses-survive-thrive-tough-economic-times/): In this blog post, we will discuss some tips that should help Australian businesses not only survive but thrive during tough economic times.
- [How to grow your business through mergers and acquisitions in 2025](https://www.ledge.com.au/news/grow-business-mergers-acquisitions/): In uncertain times, businesses have learnt to be more agile and opportunistic to survive and thrive. One way to do this is through mergers and acquisitions.
- [Partnering with Stirlings Performance Steels for business growth](https://www.ledge.com.au/news/partnering-with-stirlings-performance-steels/): In 2020, Ledge Finance partnered with Stirlings Performance Steels to facilitate the purchase of the Penta Bolt 12025 VII 20KW high-speed Fiber Laser, something the team from Stirlings had identified would help them to meet market demand and grow their supply and service capabilities.
- [Using ESG in future planning for the Crane Industry](https://www.ledge.com.au/news/esg-future-planning-crane-industry/): The arrival of the Anthony Albanese Labor government heralds a push towards renewables with a net-zero emissions target by 2050. And the direction Australia’s energy providers are heading is apparent. New wind farms are being constructed across the country, with the construction process made possible by the crane industry.
- [Commercial Property Outlook: Current Trends & What’s in Store for 2023](https://www.ledge.com.au/news/commercial-property-outlook-trends-2023/): Here, we delve into the current market trends, explore the commercial property outlook for 2023 and provide our top investment tips.
- [Official launch of the new Ledge Finance website](https://www.ledge.com.au/news/announcing-the-launch-of-our-new-website/): After three months of hard work and dedication, we are delighted to officially announce the launch of our new website!

## Pages
- [Market Overview](https://www.ledge.com.au/resources/market-overview/): Page last updated: 29 July 2026
- [Debt Advisory Services](https://www.ledge.com.au/services/debt-advisory-services/)
- [What is ESG?](https://www.ledge.com.au/resources/what-is-esg/)
- [Home Loan Finance](https://www.ledge.com.au/services/home-loan-finance/)
- [Business Succession Planning](https://www.ledge.com.au/resources/succession-planning/)
- [Estate Planning](https://www.ledge.com.au/resources/estate-planning/)
- [Financial Covenants](https://www.ledge.com.au/resources/financial-covenants/)
- [Financial Risk Management](https://www.ledge.com.au/resources/financial-management/)
- [Health & Medical Equipment Finance](https://www.ledge.com.au/services/health-medical-finance-perth/)
- [Property Finance](https://www.ledge.com.au/services/property-finance-perth/)
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- [How to apply for a business loan eBook](https://www.ledge.com.au/resources/ebooks/how-apply-business-loan-ebook-download/): In this eBook we explore:
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## RSS
- [Welcome to Firstlinks Edition 674](https://www.ledge.com.au/rss/welcome-to-firstlinks-edition-674/): What begins as appetite, grows into excess and ultimately ends in spectacle. Millions of investors just discovered this the hard way.
- [Why have Australian living standards ‘fallen’ and how do we fix it?](https://www.ledge.com.au/rss/why-have-australian-living-standards-fallen-and-how-do-we-fix-it/): For the last few years there has been much talk of a 'cost-of-living' crisis in Australia and of 'falling living standards'. Lately this has flared up again with the pickup in inflation resulting in a renewed fall in real wages.
- [Four options for an income investor’s next dollar](https://www.ledge.com.au/rss/four-options-for-an-income-investors-next-dollar/): What if Australia's golden age of dividends is ending? Rather than overhaul your portfolio, it may be worth considering where new capital can work harder. I discuss four income strategies and the trade-offs behind each.
- [Completing the reform of CGT: tax real losses like real gains](https://www.ledge.com.au/rss/completing-the-reform-of-cgt-tax-real-losses-like-real-gains/): Recent CGT reforms tax real gains by indexing capital gains to inflation. However, the reform fails to index losses, leading to higher tax on assets that do not keep pace with inflation, creating inefficiencies in the tax system.
- [Blockbuster AI debt issuance coming to a bond market near you](https://www.ledge.com.au/rss/blockbuster-ai-debt-issuance-coming-to-a-bond-market-near-you/): With Australia likely to attract a growing share of AI-related issuance, investors should prepare for increasing influence from AI funding demands, evolving credit fundamentals and changing valuation dynamics.
- [Active managers: Bringing a gun to the gunfight](https://www.ledge.com.au/rss/active-managers-bringing-a-gun-to-the-gunfight/): When data arrived, basketball abandoned the mid-range shot, Formula 1 reinvented the pit stop and chess embraced humans working with machines. Active managers confronting today's markets may learn from the same path.
- [What Australian super funds can learn from the UK](https://www.ledge.com.au/rss/what-australian-super-funds-can-learn-from-the-uk/): Most people want answers to three retirement questions: What have I got? Is it enough? What can I do with it? A leading UK pension innovator shares his lessons on helping members better understand and prepare for retirement.
- [What the market may be missing in FY27](https://www.ledge.com.au/rss/what-the-market-may-be-missing-in-fy27/): We asked ten fund managers the same question following FY26. While their investment styles differ dramatically, their answers revealed several surprising areas of agreement about where markets may be heading next.
- [Why your return may differ from the headline return](https://www.ledge.com.au/rss/why-your-return-may-differ-from-the-headline-return/): Investment returns don’t arrive evenly. Learn why your personal Stockspot return may differ from published performance.
The post Why your return may differ from the headline return appeared first on Stockspot Blog.
- [Welcome to Firstlinks Edition 673 with weekend update](https://www.ledge.com.au/rss/welcome-to-firstlinks-edition-673-with-weekend-update/): A dividend fund with shares that don't pay dividends illustrates the perverse incentive structures in investing.
- [UniSuper CIO shares his reflections on the 2025-2026 financial year](https://www.ledge.com.au/rss/unisuper-cio-shares-his-reflections-on-the-2025-2026-financial-year/): Markets climbed a wall of worry in FY26, but artificial intelligence remained the dominant force, rewarding some of the world's biggest companies while leaving others behind.
- [Post-Budget blues? A knee jerk won’t help](https://www.ledge.com.au/rss/post-budget-blues-a-knee-jerk-wont-help/): Sweeping tax changes are reshaping the investment landscape and many investors are considering major restructures. But before chasing lower tax bills, it's worth asking whether those decisions will strengthen-or undermine your ability to build wealth across generations.
- [Is value investing still relevant in today’s stockmarkets?](https://www.ledge.com.au/rss/is-value-investing-still-relevant-in-todays-stockmarkets/): Is value investing relevant in an age when momentum investing, quant strategies and index funds increasingly dominate markets? It is underappreciated how share price distortions may be creating some of the best opportunities for patient, disciplined investors.
- [How to find opportunity in global equities](https://www.ledge.com.au/rss/how-to-find-opportunity-in-global-equities/): Australia's concentrated market makes global diversification essential, but breadth alone is not enough. Investors still need a disciplined framework combining business quality, sensible valuation and a credible catalyst.
- [What keeps the world’s most patient investors returning to gold](https://www.ledge.com.au/rss/what-keeps-the-worlds-most-patient-investors-returning-to-gold/): While many investors are asking whether gold has peaked, the world's central banks appear to be asking different questions altogether. Their thinking offers useful insights for long-term investors.
- [Don’t underestimate Australia](https://www.ledge.com.au/rss/dont-underestimate-australia/): Investor sentiment towards Australia has turned increasingly gloomy, but the data tells a different story. There are still plenty of reasons to remain optimistic.
- [Stockspot Performance Update: June 2026](https://www.ledge.com.au/rss/stockspot-performance-update-june-2026/): Over the 12 months to 30 June 2026, the five Stockspot Model Portfolios delivered after fee returns of 9.7% to 14.7%. 
The post Stockspot Performance Update: June 2026 appeared first on Stockspot Blog.
- [Welcome to Firstlinks Edition 672 with weekend update](https://www.ledge.com.au/rss/welcome-to-firstlinks-edition-672-with-weekend-update/): How does Australia measure up to the rest of the world?
- [Are you making these SMSF mistakes?](https://www.ledge.com.au/rss/are-you-making-these-smsf-mistakes/): After four decades advising investors, there are a few common mistakes I've seen SMSF investors make. From holding too much cash and chasing yield to overtrading and trusting tips. Are these errors costing you?
- [Retirement spending is not one-size-fits-all](https://www.ledge.com.au/rss/retirement-spending-is-not-one-size-fits-all/): New data challenges the idea that Australians are underspending their super. The bigger issue may be helping retirees navigate complexity, make confident decisions and use their savings to support security, wellbeing and choice.
- [The missing link in the CGT debate](https://www.ledge.com.au/rss/the-missing-link-in-the-cgt-debate/): A little-noticed consequence of Labor's tax changes could have implications well beyond investors' tax bills. The issue raises bigger questions about incentives, capital allocation and the drivers of long-term economic growth.
- [The surprising beneficiaries of the AI boom](https://www.ledge.com.au/rss/the-surprising-beneficiaries-of-the-ai-boom/): While markets obsess over AI winners, a larger, more predictable growth engine is forming. A surge in electricity demand and infrastructure buildout reveals the quiet, durable assets evolving beneath the AI story.
- [When losses in super become irreplaceable](https://www.ledge.com.au/rss/when-losses-in-super-become-irreplaceable/): The notion of 'you can afford more risk' assumes that losses can be replaced. Above a $2.1 million super balance the law says otherwise, and a worked example shows the refill takes decades, or never happens.
- [Why I object to ‘hitting a number’ for retirement](https://www.ledge.com.au/rss/why-i-object-to-hitting-a-number-for-retirement/): Many investors dream of hitting their number and walking into retirement. But what if reaching that milestone is the moment they should be asking the tough questions? After all, there's a lot more to life than a high portfolio value. 
- [Welcome to Firstlinks Edition 671 with weekend update](https://www.ledge.com.au/rss/welcome-to-firstlinks-edition-671-with-weekend-update/): The uncomfortable truth hiding inside the ASX.
- [Does your will qualify for the discretionary testamentary trust exemption?](https://www.ledge.com.au/rss/does-your-will-qualify-for-the-discretionary-testamentary-trust-exemption/): Treasury has confirmed the exemption many families were hoping for. But buried in the fine print are two conditions that could leave some wills on the wrong side of the exemption, despite years of careful planning.
- [Lithium’s latest drop and what it means for ASX investors](https://www.ledge.com.au/rss/lithiums-latest-drop-and-what-it-means-for-asx-investors/): Lithium's latest sell-off has punished ASX miners as prices remain hostage to shifting expectations. The key challenge is navigating a market prone to extreme volatility despite a strong case for the long-term demand outlook.
- [CGT reform and fund turnover: who really feels the impact?](https://www.ledge.com.au/rss/cgt-reform-and-fund-turnover-who-really-feels-the-impact/): The implications of CGT reform are far and wide. As the 50% discount gives way to inflation indexation, turnover and return profiles may become critical drivers of after-tax performance. Some strategies face a far greater hit.
- [Super was built for a very different Australia](https://www.ledge.com.au/rss/super-was-built-for-a-very-different-australia/): Our retirement system was built around assumptions that no longer hold. Lower homeownership, longer lifespans and changing expectations are exposing cracks that policymakers and super funds need to address.
- [Retirement in reality – 4 months in](https://www.ledge.com.au/rss/retirement-in-reality-4-months-in/): Many people spend years planning financially for retirement but little time preparing for what comes next. Four months in, here are the surprising lessons I've learnt on finding purpose, social connection and healthy habits.
- [After the Budget, Australia needs its own definition of quality](https://www.ledge.com.au/rss/after-the-budget-australia-needs-its-own-definition-of-quality/): As tax reforms reshape investment incentives, investors should rethink what quality investing means in the uniquely concentrated Australian market, where traditional frameworks may not translate as effectively.
- [Datacenters are the new shale oil](https://www.ledge.com.au/rss/datacenters-are-the-new-shale-oil/): Why are tech giants pouring billions into datacentres when the economics look questionable? The most dangerous words in investing may be: "everyone else is doing it". Today's AI boom has striking parallels with the shale bust.
- [Tax time 2026: Everything you need to know](https://www.ledge.com.au/rss/tax-time-2026-everything-you-need-to-know/): Everything you need to know to lodge your Stockspot tax this year.
The post Tax time 2026: Everything you need to know appeared first on Stockspot Blog.
- [Australian shares vs international shares: How much global exposure do you need?](https://www.ledge.com.au/rss/australian-shares-vs-international-shares-how-much-global-exposure-do-you-need/): Should you invest in Australian shares or global equities? Learn how to balance local and international exposure, manage home bias and build a diversified portfolio.
The post Australian shares vs international shares: How much global exposure do you need? appeared first on Stockspot Blog.
- [Switching Stockspot investment strategies: What are the tax implications for investors?](https://www.ledge.com.au/rss/switching-stockspot-investment-strategies-what-are-the-tax-implications-for-investors/): Switching investment strategies may trigger capital gains tax. Here’s what happens when you sell and rebalance ETFs, and how to make smarter long-term decisions.
The post Switching Stockspot investment strategies: What are the tax implications for investors? appeared first on Stockspot Blog.
- [Property vs ETFs during periods of Inflation: Which investment performs better?](https://www.ledge.com.au/rss/property-vs-etfs-during-periods-of-inflation-which-investment-performs-better/): Inflation can have a very different impact on property and ETFs. Here's what investors need to know.
The post Property vs ETFs during periods of Inflation: Which investment performs better? appeared first on Stockspot Blog.
- [How to set up PayTo with your bank](https://www.ledge.com.au/rss/how-to-set-up-payto-with-your-bank/): Learn how to set up and authorise your Stockspot PayTo agreement with major Australian banks, plus tips to make the setup process smoother.
The post How to set up PayTo with your bank appeared first on Stockspot Blog.
- [Automate your investing with PayTo: FAQs](https://www.ledge.com.au/rss/automate-your-investing-with-payto-faqs/): Learn how PayTo automatic deposits work with Stockspot, including how to set them up, manage or pause them, and use regular investing to build long-term wealth.
The post Automate your investing with PayTo: FAQs appeared first on Stockspot Blog.
- [Capital gains tax reforms unravel 30 years of ASX investor culture](https://www.ledge.com.au/rss/capital-gains-tax-reforms-unravel-30-years-of-asx-investor-culture/): Stockspot clients withdrew $37m last year to fund home deposits through share investing. New CGT rules will make this strategy far more challenging.
The post Capital gains tax reforms unravel 30 years of ASX investor culture appeared first on Stockspot Blog.
- [Tax reforms could fuel dividend-led market boom at the expense of economic growth](https://www.ledge.com.au/rss/tax-reforms-could-fuel-dividend-led-market-boom-at-the-expense-of-economic-growth/): Labor’s tax reforms could force the sharemarket much higher even as business investment weakens, economic growth slows. Here’s why.
The post Tax reforms could fuel dividend-led market boom at the expense of economic growth appeared first on Stockspot Blog.

## Team Members
- [Chris Spencer](https://www.ledge.com.au/who-we-are/chris-spencer/): One of the newest additions to our team, Chris Spencer joined Ledge Finance as a Finance Executive, bringing his unique blend of experience from both the education and finance sectors.
- [Lauren Simpson](https://www.ledge.com.au/who-we-are/lauren-simpson/): Lauren has a strong background in client services and financial administration, having previously worked at a stockbroking firm.
- [Bianca Connolly](https://www.ledge.com.au/who-we-are/bianca-connolly/): Bianca Connolly is an Operations Officer with Ledge Finance.
- [James Ahern](https://www.ledge.com.au/who-we-are/james-ahern/): James Ahern joined Ledge Finance in 2023.
- [Janine Defontaine](https://www.ledge.com.au/who-we-are/janine-defontaine/): Janine Defontaine joined the Ledge Finance team in 2022 as our Marketing and Communications Executive.
- [Brian La](https://www.ledge.com.au/who-we-are/brian-la/): Brian La joined the Ledge team in 2021. As our Senior Operations Officer, He supports the frontline team (Finance Executives) with back-office tasks such as requesting documents from suppliers and financiers, preparing transaction documents for clients to execute and documents for settlements.
- [Elaine Langford](https://www.ledge.com.au/who-we-are/elaine-langford/): Elaine Langford has been part of the Ledge team for 23 years.
- [Jenny Phung](https://www.ledge.com.au/who-we-are/jenny-phung/): Jenny Phung joined Ledge Finance in 2019 as an Operations Manager after completing a Bachelor of Commerce at Curtin University (majoring in Economics and Finance). She has since furthered her studies with a Diploma in Financial Services.
- [Kerry Duncan](https://www.ledge.com.au/who-we-are/kerry-duncan/): Kerry Duncan has been part of the Ledge family for over 22 years. Before joining Ledge, she spent several years working in the travel industry, which adds to her rich background.
- [Brad Spencer](https://www.ledge.com.au/who-we-are/brad-spencer/): Brad Spencer became a valued part of the Ledge family as a Finance Executive back in 2012. His extensive experience has helped him build a reputation for creating funding solutions that truly recognise a business's worth and bring positive results to our clients across a variety of industries.
- [Robin Cohen](https://www.ledge.com.au/who-we-are/robin-cohen/): Robin Cohen has been with Ledge for over 30 years, making him one of Ledge’s longest-serving employees.
- [Isaac Hough](https://www.ledge.com.au/who-we-are/isaac-hough/): As a Senior Finance Executive with Ledge Finance, Isaac Hough has extensive business and commercial lending knowledge and vast experience in providing finance solutions to a variety of industries, including construction, mining, manufacturing, and transport.
- [Karen Pitcher](https://www.ledge.com.au/who-we-are/karen-pitcher/): Karen Pitcher has been a valued part of the Ledge family since 1985. She started her own family in 1996, but her strong connection to Ledge brought her back in 2001, and she soon moved into the accounts side of the business.
- [Noel Smith](https://www.ledge.com.au/who-we-are/noel-smith/): Noel Smith is a veteran of the banking and finance sector, first joining Commonwealth Bank in 1963.
- [Craig Ruthven](https://www.ledge.com.au/who-we-are/craig-ruthven/): Craig Ruthven has been part of the Ledge Finance team for 25 years. He stays because of the strong, long-term relationships he's built with both colleagues and clients.
- [Neil Ferguson](https://www.ledge.com.au/who-we-are/neil-ferguson/): Neil Ferguson is a Finance Executive and Director with Ledge Finance.  
- [Tony Del Popolo](https://www.ledge.com.au/who-we-are/tony-del-popolo/): Tony Del Popolo is the COO, Director and a Senior Finance Executive with Ledge Finance.