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2 founders of Rigsafe, Tanya and Kevin, and Brad from Ledge Finance standing in front of a vehicle and Rigsafe's new warehouse

Business and Finance

All Insights Ledge Stories Finance News Equipment Finance Community Outreach Business and Finance

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an image of a digital lock to indicate cyber regulations

Understanding Australian Cyber Regulations: What You Need to Know

Cyber security regulations are put in place by governments and industry groups around the globe to protect sensitive information and safeguard digital systems. ‘ They provide guidance on how to prevent cyberattacks, how to respond when an attack occurs, and where to report it. For businesses, compliance is not only a legal requirement but also a crucial risk management strategy. Failing to comply with cybersecurity regulations exposes businesses to serious risks such as: Financial penalties for failing to meet obligations Reputational damage from data breaches and publicised non-compliance Operational disruption caused by system downtime and ransomware attacks Legal liability for...

Industry News

Firstlinks

Welcome to Firstlinks Edition 625

Is it better to live rich or die rich? While many of us were raised to believe that preserving wealth for the next generation is the ultimate goal, a recent...

Firstlinks

The ‘priced out generation’ and what they should do about it

A fiery interview on housing exposed deep generational divides, sparking youth outrage and political backlash. As homeownership drifts out of reach, young Australians face a choice: fight the system –...

Firstlinks

Maybe it’s time to consider taxing the family home

Australia could unlock smarter investment and greater equity by reforming housing tax concessions. Rethinking exemptions on the family home could benefit most Australians, especially renters and owners of modest homes.

Firstlinks

Meg on SMSFs: Ageing and its financial challenges

Ageing SMSF members can face issues funding their pension income as cash reserves dwindle. Potential solutions include involving adult children in contributions to secure future financial stability.

Firstlinks

US earnings season was almost too good to be true

The second quarter US earnings season has wrapped up, with a record 82% of S&P 500 firms beating earnings estimates. As tailwinds fade, Q3 may reveal whether AI momentum can...

Recent Insights.

man and woman in a meeting working next to each other at a desk

The Fairness Paradox: Navigating Perceptions of Equity in Family Enterprises

In family enterprises, some of the most complex challenges aren’t financial—they’re emotional. One of the most common and least talked about is the fairness paradox. The Fairness Paradox The fairness paradox is the tension that arises when family members feel unequally treated, even in times of abundance. It’s not about how much someone receives—it’s about how decisions are made, and whether those decisions feel fair. Research shows that perceived inequity can quietly fracture trust. This is especially the case when financial resources or influence are distributed in ways that aren’t clearly explained or openly discussed. This kind of tension doesn’t...

mall business team reviewing carbon footprint data as part of sustainability planning

Your Small Business Guide to Measuring Your Carbon Footprint: A Step-by-Step Roadmap

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. The good news? You don’t need to be an expert to get started. This step-by-step guide is designed to help small and medium-sized businesses navigate the carbon measurement process with clarity and confidence — and start generating meaningful results in just a few weeks. Step 1: Define Your Scope The biggest mistake small businesses make when they begin measuring their carbon footprint is trying to measure everything at once. Instead, define your scope...

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How Understanding Your Carbon Footprint Could Save Your Business Money

Are you aware of your business's carbon footprint? You might be surprised by what you discover.

woman using a calculator to work out her business loan refinancing figures

Business Loan Refinancing: The ‘Whats’ and ‘Whens’

Running a business often requires substantial funding to meet daily expenses, expand operations, and endure external pressures or challenging periods. 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. Let’s explore what business loan refinancing is, when you should consider it, and the potential benefits and challenges involved. What Is Business Loan Refinancing? Business loan refinancing is the process of replacing an existing business loan with a new one. This...

an employee working on a project involving sustainable finance

Australia’s Sustainable Finance Roadmap: What it is and Why it Matters to Your Business

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. Designed to channel investments into sustainable outcomes, the roadmap introduces new expectations around transparency, ESG integration, and credible net-zero transition planning. For Aussie businesses, this marks more than a regulatory shift; it’s an opportunity to access new funding sources, reduce financial risks, and improve operational stability. Let’s explore what sustainable finance is, why it matters, and how aligning your business with sustainability principles can deliver long-term value. What Is Sustainable Finance?...

laptop computer on glass-top table

ATO Debt Changes from 1 July 2025: What Your Business Needs to Know

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. With legislation now passed, interest charges on overdue ATO debts will no longer be tax-deductible. This shift could have significant financial and strategic implications for businesses that have previously relied on ATO payment plans or deferred tax as a short-term funding option. So, what’s changing, and what should your business be doing now? What’s Changing? Currently, businesses that owe...

Green Earth Sustainability in Australia

SME Sustainability Success: Creating Enduring Value in Australia’s 2025 Landscape

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. As global supply chains increasingly scrutinise environmental and social performance, Australian SMEs embracing comprehensive sustainability practices are gaining competitive differentiation while building resilience against emerging market pressures. There are four key areas that Australian SME’s can build value and potentially market leadership for their business: Getting ahead of the new Australian Sustainability Reporting Standards (ASRS) Building overall supply chain resilience Resource efficiency and innovation Talent attraction and...

Office workers at a desk with laptops and papers discussing working capital solutions

Understanding Working Capital Solutions: Key Strategies to Optimise Cash Flow

Effective working capital management plays a vital role in maintaining liquidity, facilitating day-to-day operations and fostering sustainable growth for your business. 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. Let’s delve into some strategies you can use to help you boost your cash flow, streamline operations, and bolster your business’s financial health, all while unlocking valuable growth opportunities. What Are Working Capital Solutions? Working capital solutions encompass a variety of financial strategies and tools that help businesses to effectively manage their...

blue clock on pastel background

Instant Asset Write-Off Ending – Time to Act Before 30 June 30 2025

The $20,000 Instant Asset Write-Off: What You Need to Know 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. Despite speculation, this year’s Federal Budget did not include an extension, meaning businesses now have a clear deadline. If no further changes are announced, the threshold will drop back to $1,000 in the next financial year, significantly limiting tax deductions for asset purchases. For businesses considering equipment, vehicles, or other asset investments, now could be the time to act – especially with end-of-financial-year...

Show only videos

Industry News

Firstlinks

Welcome to Firstlinks Edition 625

Is it better to live rich or die rich? While many of us were raised to believe that preserving wealth for the next generation is the ultimate goal, a recent...

Firstlinks

The ‘priced out generation’ and what they should do about it

A fiery interview on housing exposed deep generational divides, sparking youth outrage and political backlash. As homeownership drifts out of reach, young Australians face a choice: fight the system –...

Firstlinks

Maybe it’s time to consider taxing the family home

Australia could unlock smarter investment and greater equity by reforming housing tax concessions. Rethinking exemptions on the family home could benefit most Australians, especially renters and owners of modest homes.

Firstlinks

Meg on SMSFs: Ageing and its financial challenges

Ageing SMSF members can face issues funding their pension income as cash reserves dwindle. Potential solutions include involving adult children in contributions to secure future financial stability.

Firstlinks

US earnings season was almost too good to be true

The second quarter US earnings season has wrapped up, with a record 82% of S&P 500 firms beating earnings estimates. As tailwinds fade, Q3 may reveal whether AI momentum can...

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