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Business and Finance

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

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16 September 2026

Does your asset protection structure really protect your assets?

For decades, Australian business owners have relied on a standard blueprint to protect their most valuable assets: splitting their business into two entities. Under this structure, an Asset Owner (a holding company) owns the expensive machinery, vehicles, or equipment, while an Operating/Trading Entity leases those assets to run the day-to-day business. The goal was simple—if the trading entity encountered financial trouble or was sued, the valuable assets remained safe in the holding company because the trading entity didn’t “own” them. The Personal Property Securities Act 2009 (PPSA) The Personal Property Securities Act 2009 (PPSA) fundamentally changed this equation. Under the...

Industry News

Stockspot Blog

25 September 2026

How to break up with your financial adviser

Breaking up with your financial adviser can feel uncomfortable, but if you’re paying high fees, confused about your investments, or not getting value, it may be time to move on....

Stockspot Blog

25 September 2026

Investing in Australia for expats: A smart guide to staying connected & growing wealth from abroad

A smart guide for Australian expats on how to invest back home, and how Stockspot can help Aussies abroad. The post Investing in Australia for expats: A smart guide to...

Stockspot Blog

25 September 2026

What happens to your portfolio if Bitcoin crashes (or booms)?

What does a 12.4% allocation to Bitcoin and Ethereum ETFs look like in an investment portfolio during booms and crashes. See how diversification can cushion the downside and why rebalancing...

Firstlinks

23 September 2026

Welcome to Firstlinks Edition 681

Are investors being too optimistic about this ASX giant?

Firstlinks

22 September 2026

How the typical Australian Family could save $844,350 in taxes

The value of a testamentary trust is not determined by wealth alone. Depending on circumstances, it can reduce the tax burden on inherited income, create efficiencies and help build intergenerational...

Recent Insights.

2 cogs representing economic sentiment and confidence

Understanding How Economic Sentiment Impacts Your Bottom Line

Your business doesn’t operate in isolation. The wider economic environment can influence how your customers spend, how lenders assess risk and how confident you feel about investing, borrowing and planning for growth and change. This is where economic sentiment can provide useful context. By understanding shifts in consumer confidence, business confidence and broader market conditions, you can make more informed decisions about your finances, operations and future plans. For business owners, understanding these shifts can provide valuable context when making financial and operational decisions. What is Economic Sentiment? Economic sentiment reflects how businesses and consumers perceive the current economy and...

digital image of a warehouse commercial property

Commercial Property Finance: What Businesses Should Consider Before Approaching a Lender

Commercial property lending remains active despite a more restrictive borrowing environment. New ABS data shows the value of new business loan commitments for property purchases reached $27.2 billion in the June 2026 quarter, up 4.4% from the previous quarter and 18.9% compared with a year earlier. For businesses considering purchasing their own premises, acquiring an investment property or funding a broader expansion, that activity is a useful reminder that opportunities are still being pursued. But securing commercial property finance involves more than finding a competitive interest rate. The purpose of the property, the strength of the business, available security, cash...

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Carbon Footprint Data Requests Are Hitting WA Suppliers: How to Respond and Win Work

If you supply the resources sector in Western Australia, there’s a good chance you’ve received a request for carbon footprint data. A major mining or energy client, or one of their procurement platforms, asking for your emissions data, your energy use, your fuel records. Often with a short deadline and a questionnaire that makes little sense when it arrives out of the blue. It can feel like an unreasonable ask. You’re a crane hire company, a maintenance contractor, a transport operator, not a listed miner. Why is their reporting suddenly your problem? Here’s the short answer: it isn’t going away,...

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The Impact of AI on Jobs, Business and the Economy

Let’s explore the implications of AI on jobs, the economy, and specific industries such as accounting and marketing.

Climate reporting in Australia

What Australia’s mandatory climate reporting regime means for your business

Australia’s mandatory climate reporting era has officially begun. 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). To understand where your business sits, it helps to know how the reporting groups are defined. Group 1 captures Australia’s largest companies Those meeting at least two of three size thresholds (revenue of $500 million or more, gross assets of $1 billion or more, or 500-plus employees), plus any organisation reporting under the National Greenhouse and Energy Reporting Act that exceeds 50,000 tonnes of carbon dioxide...

Australian woman taking measures to reduce her business’s cyber risk.

How Cyber Risk Can Impact Access to Finance

If you’re preparing for a business loan, a capital raise, or an acquisition, a strong balance sheet may not be enough to secure finance approval. Today’s lenders and investors are looking beyond financial performance to understand the broader risks facing a business. 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. Let’s explore why cyber risk may impact your ability to raise...

small business owner taxation

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. For many businesses, this removes the uncertainty that has surrounded the measure in recent years, where extensions and annual announcements often left owners waiting to see what would happen next. While the Instant Asset Write-Off is ultimately a tax measure, it can also influence business planning, investment decisions and funding requirements. What is the Instant Asset Write-Off? The Instant Asset Write-Off allows eligible small businesses to immediately deduct...

Australian supply chain, bird's eye view.

Emerging Trends in Supply Chain Management – And What This Means for Australian Businesses

Shifting consumer expectations, tighter regulation, and advances in technology are changing supply chain operations. New technologies are transforming decision-making and operational efficiency, while rising expectations for faster delivery and more sustainable practices are forcing businesses to reassess how they source materials, manage production, and structure their distribution networks. Meanwhile, recent geopolitical tensions and the global pandemic have exposed vulnerabilities in traditional supply chain models and highlighted the need for greater flexibility and resilience. What was once a largely linear, cost-focused function is now a data-driven, strategically integrated part of business operations – central to how you manage risk and respond...

Ledge Finance Finance Executive Team 2025

Ledge’s 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. Locally owned and operated, Ledge Finance has been one of the state’s most trusted names in commercial finance for more than four decades, having built its reputation on providing independent, strategic financial advice and tailored debt solutions. Today, as economic conditions become increasingly dynamic and business transactions more complex, Ledge’s expertise extends well beyond traditional finance brokering. Through its debt advisory services, Ledge helps businesses unlock growth opportunities – whether they’re exploring an acquisition, restructuring...

Show only videos

Industry News

Stockspot Blog

25 September 2026

How to break up with your financial adviser

Breaking up with your financial adviser can feel uncomfortable, but if you’re paying high fees, confused about your investments, or not getting value, it may be time to move on....

Stockspot Blog

25 September 2026

Investing in Australia for expats: A smart guide to staying connected & growing wealth from abroad

A smart guide for Australian expats on how to invest back home, and how Stockspot can help Aussies abroad. The post Investing in Australia for expats: A smart guide to...

Stockspot Blog

25 September 2026

What happens to your portfolio if Bitcoin crashes (or booms)?

What does a 12.4% allocation to Bitcoin and Ethereum ETFs look like in an investment portfolio during booms and crashes. See how diversification can cushion the downside and why rebalancing...

Firstlinks

23 September 2026

Welcome to Firstlinks Edition 681

Are investors being too optimistic about this ASX giant?

Firstlinks

22 September 2026

How the typical Australian Family could save $844,350 in taxes

The value of a testamentary trust is not determined by wealth alone. Depending on circumstances, it can reduce the tax burden on inherited income, create efficiencies and help build intergenerational...

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