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Philosophy – AFL Grand Final 2018

Oct 31 2018

Another year of AFL is over and what an incredible way to end a fantastic footy season! I have been going to the MCG for the AFL Grand Final since 1974 and Saturday’s game would have to be up there with the top 3 best games I have ever watched. The city was alive and […]

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Finance Solutions for Energy Efficient Assets

Oct 31 2018

Have you ever thought of investing in solar PV and energy efficient assets but thought there is too much cost involved and you just can’t fathom getting started? The good news is there are finance solutions available which allow you to acquire these types of assets sooner rather than later. Any purchase of energy efficient […]

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How to Better Manage and Reduce your Taxation Debt

Oct 31 2018

If you are in the unfortunate position of not being able to meet your ATO liabilities as and when they fall due, you need to be very careful about how you deal with this situation. One option is to seek finance from a specialist lender to cover your obligations. The benefit of this is that […]

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Philosophy – The importance of people in business

Sep 30 2018

Hi friends, I wanted to take some time this month to talk to you about the important role people play in business… Many factors contribute to being successful in business, including having the right products and services, appropriate business strategies and plans in place, and having efficient working processes. However, without people to produce and […]

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Gross Leverage Ratio: how much debt should you have?

Sep 30 2018

Whilst financial markets have been through a lot of changes in recent years (banks in particular) and there is more to come, it is good to know that some things never change. One lending covenant which has regained favour in recent years is the old question “how much debt should I have relative to my […]

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Trade Marks and Business Names

Sep 30 2018

Did you know that registering your business name or purchasing a domain is not the same as a trade mark? Well, many people get trade marks and business names confused and this is not a new thing – in fact, back in 2003 the Australian Government conducted a review into the ongoing confusion and found […]

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PHILosophy – The Support You Need to Make the Next Move

Aug 31 2018

Good afternoon, Now we all know there are ways we can change our behaviour, attitudes, beliefs and even thoughts, to bring about changes we desire in our lives. These changes are brought on by factors that we know we should change to better our future – things like taking care of our health and saving […]

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Preventing People Problems in the Workplace

Aug 31 2018

If you’re a business owner then you’ll know that it’s not always easy to deal with employment or HR issues. A lot of the time, businesses don’t have an inhouse HR department because their business is not big enough to justify the cost. You end up trying to deal with it yourself causing you to […]

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Dismissed or Discontinued

Aug 31 2018

If you ever have the misfortune to be sued for non-payment of an invoice/debt, it is really important to know what steps to take to allow you to remove reference to the court proceedings from your credit record when the matter is resolved. Ledge Solicitor’s Price Sierakowski have recently spoken to us about the difference […]

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Austrod Engineering

Jul 31 2018

Making the decision (some say ‘leap of faith’) to establish your own business and leave behind the relative safety of being an employee is not an easy one and not one that many have the courage to actually do. In early 2011, this is exactly what Tony & Debbie Borromei and Darryl & Michelle Morgan […]

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PHILosophy – Skills Shortage in the Mining and Construction Sector

Jul 31 2018

Hi Friends, I’m sure many of you have seen in the news that the skills shortage in industries, such as mining and construction is becoming increasingly worse. According to a study by Ernst and Young, the lack of skilled talent in the Australian workforce is the third highest constraint on the economy’s growth. The Reserve […]

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Ways to Add Value to your Business

Jul 31 2018

How do you define value? What value do you provide for those who purchase your products or services? These are questions that many business owners are unable to answer, and yet having the capability to add value is one of the most important factors in business. Let’s take purchasing your morning coffee for example… You […]

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Succession Plan: Set your Business up for the Future

Jul 31 2018

Are you a business owner who tends to put long-term planning to the side? If you answered yes, you’re not alone. Many business owners generally place planning to the side because they are bombarded with day-to-day management of the business. They focus on the short term because that’s what they can see unfolding in front […]

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Lithium the New Gold

Jun 30 2018

The global lithium market is going through extraordinary growth as the demand for electronic vehicles (EVs) continues to rise. In fact, it’s predicted that in 5 years almost every car manufacturer in the world will be planning, or in the process of producing EVs. On the back of this demand is the increase in Lithium […]

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Financing your Business on a Global Level

Jun 30 2018

If you are a business owner looking to expand overseas, you’re probably wondering how you are going to finance this move. At Ledge, we understand that banks are often unable to provide finance for your entire overseas ventures. There are many options available to fill in the funding gap, that are suitable for: •       First […]

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PHILosophy – Let’s Add Value

Jun 30 2018

Friends, It’s getting the that time of the year again… End of financial year. I cannot believe how fast time has flown by! Throughout the financial year we have been through many ups and downs and have had the pleasure of seeing our clients and their businesses achieve great things, in what has been an […]

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Safe Harbour Legislation

Jun 30 2018

In Australia, directors can be held personally liable for debts incurred whilst a company is insolvent. These harsh insolvent trading laws are driving directors to seek voluntary administration prematurely, even in circumstances where the company may have been viable longer term. As of September 2017, new legislation was enacted which provides directors with a safe […]

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Insurance Premium Funding

Jun 30 2018

Business Insurance is a requirement for every managed business as it protects assets and revenue, liabilities, and personnel. However, paying insurance premiums up front can take its toll on cash flow. Insurance Premium Funding (IPF) is a simple and cost-effective method for businesses to pay their annual insurance premiums. Premium Funding loans can be used […]

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Important Dates for SME Business Owners

May 31 2018

Most business owners would agree that it can be quite stressful when trying to remember key dates throughout the year. For this reason, we have prepared a list for you to refer back to: May 2018 21 May Fringe Benefit Tax (FBT) return due 21 May April monthly BAS due 28 May March quarter superannuation […]

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Fit out at the new Perth Children’s Hospital

May 31 2018

The brand new Perth Children’s Hospital located in Nedlands is set to start its four week staged opening today, May 14! Ledge has been lucky enough to be a part of the project, providing finance for the fit outs of the cafes situated on level one and five. WA Hospitality, better known as Aroma Café […]

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PHILosophy – Courage to Continue

May 31 2018

“Success is not final, failure is not fatal: it is the courage to continue that counts”. – Winston Churchill   The late Sir Winston Churchill, a British writer, military leader and statesman. A man whose words resonate with myself and many others. This quote in particular relates to all facets of life – especially life […]

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Property Loans

May 31 2018

Most people have ongoing financial pressures and every dollar that can be saved, should be considered. Having a property loan, whether it be for your own home, an investment property or a commercial property, it is a huge debt in anyone’s life, and can cause major financial stress amongst individuals, their partners and their families. […]

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Cybercrime on the rise

May 31 2018

Did you know that 80% of CEO’s in Australia rate cybersecurity as a major priority? Even though Australia’s unemployment rate is increasing as a whole, the demand for I.T. experts is rapidly increasing and is predicted to continue through 2018. Cybersecurity specialists are among those in high demand, which can be linked directly to the […]

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PHILosophy – Make a Difference

Mar 31 2018

Friends, I want to take some time this month to talk to you about something that is very close to my heart for many reasons. Over 20 years ago a good friend of mine was diagnosed with leukaemia and he was thankfully lucky enough to overcome it after years of treatment. When he was first […]

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StrataLoans

Mar 31 2018

Are you a part of a strata owner’s corporation or body corporate? Do you struggle to find cash to pay for major works and renovations or you decide it’s best to hold off until you “really need to get it done”? You could wait until the sinking fund accumulated enough money to carry out the […]

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UPDATE: Supply Chain Finance

Mar 31 2018

In our Bulletin on 31st December 2017, we wrote on the impending release of a new product in the Supply Chain Finance space. This product has now been released to the market through a limited number of intermediaries. Are you a supplier who struggles to keep a positive cash flow because you’re waiting for clients […]

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Top 10 FAQ’s on Equipment Finance

Mar 31 2018

When buying equipment there are many options available to you when it comes to financing your purchase, however, these options are not always as straight forward as you think. Here are some questions that our team of Finance Executives are regularly asked: 1. Can I Finance 2nd hand equipment? Yes, most 2nd hand equipment is able […]

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PHILosophy – Cryptocurrency Bubble

Feb 28 2018

The hype around Bitcoin and the rest of the cryptocurrency market has been very intense over the past year or so. Even if you’re not involved in Bitcoin, you would’ve already heard that it had risen more than 1,000% in just one year! I’ve got be honest… I don’t understand the product and for that […]

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ATO “Bank” or not?

Feb 28 2018

Anyone in business would agree that with the current economic climate, many business owners/ managers are suffering from a never-ending headache, trying to manage their cash flows. Having tight debtor collection policies in place is a fantastic way to start, however unless you have solid cash reserves, you may find yourself juggling payments to your […]

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Goodbye to the WACA and Subiaco Oval – Hello to the Perth/Optus Stadium

Feb 28 2018

We are sure you have already heard that it has cost every WA household $1,500 on average to build, but has the new world class Perth Stadium delivered? The sold out one day international between Australia and England cricket match on Sunday January 28 was the first ever sporting event at the $1.6 billion Perth […]

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Ledge Finance’s 40th Year in Business Will Soon Begin

Dec 31 2017

Ledge was established on 6th January 1979 and will enter its 40th year in business early next year. A philosophy I have held since I started the business is that we should strive to be the best – strive to be profitable, strive to be professional and strive to be reputable. Over the years, Ledge […]

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HUGE Savings on Vehicles with AHG for Ledge Clients

Dec 31 2017

Do you know about Ledge’s alliance with Australia’s largest automotive group AHG? If you are wanting to purchase a new vehicle for yourself or your business let Ledge assist, and with the following benefits it will be hard to say no: Preferential pricing on new, demonstrator and used cars, trucks, buses and motorcycles purchased from […]

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PHILosophy on Christmas

Dec 31 2017

Friends, I am going to finish the year of my little epistles by telling you what I most want for Christmas. Groan! Yes, I can hear you … but wait. This is no ordinary Christmas present. And, you know what, both you and I have a share in the outcome of this gift. Sounds a […]

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Supply Chain Finance

Dec 31 2017

Ledge is set to launch 2018 with a new finance product which will help clients better use their working capital – while also opening up the prospect of a new source of income for them. The product will put small and medium enterprises on the same footing as big business in being able to manage […]

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Equipment Finance

Nov 30 2017

When it comes to growing your business, there are many challenges you may face trying to manage cash flow. Creating compelling, value adding products & services and funding stocks & supplies are just a few of the issues faced by business owners during their businesses growth periods. Even successful, profitable businesses can find themselves with […]

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KEE Factors of Success

Nov 30 2017

If you had to create a strategy for business success, would it look something like this … the formula being used by one rapidly rising West Australian company: Quote philosophers in your conversation with customers Reduce your customers operating costs by providing fuel to them at special rates On tough days at the office, make […]

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Composite Pipe Systems – Built to Last

Oct 31 2017

Composite Pipe Systems (CPS) Australia are new to Western Australia and are here to supply all Fiberglass Reinforced Piping needs (FRP).  CPS is the factory authorized distributor of NOV/Fiber Glass range of Composite Piping and have an extensive range of Line Pipe, Downhole Tubing, and Casing that suits all commercial, industrial, mining, marine, oil and […]

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WA Fuel Supplies – Petroleum Products Distributor

Oct 31 2017

WA Fuel Supplies was developed in early 2015 when they discovered that fuel had become a low-interest, price-driven commodity where there was no interest in service and customer relationships. They are known as the West Australian company that distributes and sells energy everywhere in our great state, whilst maintaining competitive prices in an industry widely […]

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Operation Hurricane

Oct 31 2017

October 3, 1952. Why is this day, 65 years ago, of significance to Western Australia? At 8 am on that day, Britain conducted its first-ever nuclear bomb test – a plutonium bomb detonated inside the frigate, HMS Plym, as it was anchored in a bay at Trimouille Island, part of the Monte Bello group 70 […]

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PHILosophy on Intolerance

Oct 31 2017

Friends, Intolerance: (noun) Unwillingness to accept views, beliefs, or behaviour that differ from one’s own. If you want to focus briefly on one of the defining traits of modern society – and the negative consequences that grow with it – please join me for a short sojourn. Firstly, I am talking in a very, very […]

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HTE Transport – Here, There, Everywhere – On Time, Every Time

Oct 31 2017

When looking for a logistics company that goes the extra mile contact HTE Transport today! Here There Everywhere (HTE) Transport is a West Australian family owned and operated company who has earned an outstanding reputation for delivering a highly professional, safety orientated transport and logistics services all around WA. HTE Transport began their journey, in […]

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Dyson – From Vacuum Cleaners to Electric Vehicles

Oct 31 2017

The move by revolutionary vacuum cleaner manufacturer Dyson to develop a “radically different” electric powered vehicle (EV), has created a lot of interest in what is a very busy space. Dyson is a ‘left field’ entrant into the battery market, announcing recently that it will spend more than $3 billion to develop an electric vehicle […]

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Revolutionary Innovation: Rhino Buckets & Attachments

Sep 30 2017

Here at Ledge, we are proud of the companies who achieved business growth through innovation by partnering with us. We like to share their stories to show how they overcame obstacles through sound business strategy. Our clients at Rhino Buckets & Attachments are renowned for their locally manufactured products, friendly team and 50+ years of […]

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PHILosophy on The Growth of Social Media

Sep 30 2017

Friends, Today I hope you will join my little crusade … a one-man fight back against the ubiquitous power and growth of social media. Don’t get me wrong; I acknowledge and appreciate a lot of the usefulness of all these platforms that have been spawned by the world wide web (and what a web, eh?). […]

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Business Growth, Literally: TLD

Sep 30 2017

Here at Ledge, we are proud of the companies who achieved business growth by partnering with us. We like to share their stories to show how they overcame obstacles through sound business strategy. When searching for a landscaper to create a truly unique look for your home or business, Tim Davis Landscaping (TLD) should be […]

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Section 46 – ‘Game Changer’ for Small Business [UPDATE]

Sep 30 2017

New laws, which the peak body for small business labels as a “game changer”, have taken a step closer. The federal government says its competition reform package will further prevent big corporations from misusing market power, provide greater protections for small businesses and more choice for consumers. To know how the changes will work, read […]

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Ledge Trivia: A Horse’s Tale

Aug 31 2017

Happy Birthday! If you are a horse, that is. Yes, as many will know, today is the official horses’ birthday … every horse in Australia is aging another year.  But why is it so … and is it the same the world over? For a quirky little piece of trivia, read on… Thoroughbreds have been […]

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PHILosophy on Inconvenient Truths

Aug 31 2017

Friends, Today I have something of a treat for you – possibly my shortest-ever column! But I am hoping it might have a big impact. I am simply going to present a handful of facts, courtesy of Chris Gosselin of Australian Fund Monitors. You might even call these facts ‘inconvenient truths’. You will have to […]

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Quality Built to Last: Duralite Trailers

Aug 31 2017

Here at Ledge, we are proud of the companies who achieved business growth by partnering with us. We like to share their stories to show how they overcame obstacles through sound business strategy. When looking to purchase a high-end, custom built plant trailer, there is only one brand that those in the know trust to […]

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MANAGING DISRUPTION: Professional Services’ Quiet Revolution

Aug 31 2017

Disruption is today’s business ‘buzzword’ – writ ever larger by the escalating impact of technological progress. Across literally all of industry and commerce, the work and payment environment is in continual transition – from fin-tech in the world of finance to Amazon’s march across the consumer landscape. Professional services firms have not escaped, either; although […]

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The Fatal Fourth

Jul 31 2017

Americans are waking up today to their grand Independence Day celebrations … the 4th of July. But it has not always been a grand day for some former presidents; in fact, it’s been fatal for them. Three of the first five U.S. Presidents died on the fourth of July: John Adams, Thomas Jefferson and James […]

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PHILosophy on Donald Trump

Jul 31 2017

Friends, FAKE & FRAUDULENT … Crazy Joe … low I.Q. Crazy Mika … I think you may know from whose mouth these attacking words have come. Pardon … from whose tweet these insults have come. But what do they have to do with us? After all, Donald Trump is a world away from us here […]

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SPECIAL REPORT: Scrutiny on Peak Bodies

Jul 31 2017

CPA Australia’s sacking of its Chief Executive, Alex Malley – with a $4.9 million golden handshake – has cast the spotlight on peak bodies representing various industries and community sectors across the nation. Malley’s downfall, and the story of how he moulded CPA Australia so much into his likeness, continues to play out with potentially […]

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