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Business and Finance

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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...

Industry News

Firstlinks

Welcome to Firstlinks Edition 619

In 2025, the dominant consensus trade has gone from being long US assets to long almost everything else. It’s not often a market narrative changes that fast, so how can...

Firstlinks

9 winning investment strategies

There are many ways to invest in stocks, but some strategies are more effective than others. Here are nine tried and tested investment approaches – choosing one of these can...

Firstlinks

Super, death and taxes – time to rethink your estate plans?

The $3 million super tax has many rethinking their super strategies, especially issues of wealth transfer on death. This reviews the taxes on super benefits and offers investment alternatives.

Firstlinks

Raising the GST to 15%

Treasurer Jim Chalmers aims to tackle tax reform but faces challenges. Previous reviews struggled due to political sensitivities, highlighting the need for comprehensive and politically feasible change.

Firstlinks

The megatrend you simply cannot ignore

Markets are reassessing the impact of AI, with initial euphoria giving way to growing scepticism. This shift is evident in the performance of ASX-listed AI beneficiaries, creating potential opportunities.

Recent Insights.

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...

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...

Close up of a laptop sitting on a grey couch with the screen open and a financial statement on the screen

Managing Tax Obligations & Cash Flow for Your Business in 2025

ATO Tightens Its Stance on Tax Debts 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. In recent years, the ATO has been more flexible with businesses facing challenges due to COVID-19. However, that leniency period has ended, and the ‘gloves are off’. The ATO is now taking a firmer approach to outstanding tax debts, focusing on businesses behind in tax payments and employee superannuation. For business owners and directors, ignoring or delaying the issue is no longer an option. Why This Matters for Your...

Nell Gray and Ledge Finance teams standing in front of Uniform Concepts building

Nell Gray’s Uniform Business Goes from Strength to Strength

Nell Gray, a family-owned and operated business, has been synonymous with uniforms for over seven decades. Over that time, the company has evolved into a leading manufacturer within the textile and clothing industry, with key employees of Nell Gray establishing Uniform Concepts in 2007 after identifying a need for a retail solution for school uniforms. Adapting to Changing Market Demands In 2011, Tuan Nguyen acquired Nell Gray and Uniform Concepts. Since then, the two companies have expanded their reach even further, most recently beyond WA’s borders for the first time. Some 170 schools and colleges are currently supplied with uniforms,...

what is a ppsr check

What is a PPSR Check? Everything Businesses Need to Know About PPSR

The Personal Property Securities Register (PPSR) is an important tool for Australian businesses. It allows businesses to secure their interests in personal property and protect themselves against financial risk – for example, in the event of a customer default or insolvency. Let’s explore how PPSR checks work, how they safeguard your assets, and why they should form a key component of your financial and legal strategy. What is the PPSR? The Personal Property Securities Register (PPSR) is an online register in Australia that allows businesses and individuals to register, search and manage security interests in personal property. Personal property refers...

Clean Energy Australia and Ledge Finance teams standing in front of a white Clean Energy tanker in a warehouse

21 February 2025

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. With three founding members—Basil Lenzo, Gary Ireson, and David Trembecki—and a combined 80 years of energy industry experience, CEFA is focused on reducing the carbon footprint of off-grid, energy-intensive industries in Australia. With an ever-urgent requirement by many mid-tier operators to comply with stringent ESG demands, the services offered by CEFA are extremely prescient. Providing integrated solutions to remote and stranded mining...

Glass buildings depicting business trends in architecture

20 February 2025

Australia’s Top 6 Business Trends for 2025

The business world is evolving quickly, with new technologies and innovative practices engaging consumers across various emerging markets. As we look to 2025, the momentum of these developments shows no signs of slowing. They promise continued growth and transformation in established and emerging sectors. A New Era of Business The global pandemic of 2020 fundamentally transformed the way in which businesses operate, accelerating the adoption of trends such as remote working and flexible office environments. These shifts, initially born out of necessity, have since become standard components of modern business practices. Five years on, research indicates that such trends are...

Show only videos

Industry News

Firstlinks

Welcome to Firstlinks Edition 619

In 2025, the dominant consensus trade has gone from being long US assets to long almost everything else. It’s not often a market narrative changes that fast, so how can...

Firstlinks

9 winning investment strategies

There are many ways to invest in stocks, but some strategies are more effective than others. Here are nine tried and tested investment approaches – choosing one of these can...

Firstlinks

Super, death and taxes – time to rethink your estate plans?

The $3 million super tax has many rethinking their super strategies, especially issues of wealth transfer on death. This reviews the taxes on super benefits and offers investment alternatives.

Firstlinks

Raising the GST to 15%

Treasurer Jim Chalmers aims to tackle tax reform but faces challenges. Previous reviews struggled due to political sensitivities, highlighting the need for comprehensive and politically feasible change.

Firstlinks

The megatrend you simply cannot ignore

Markets are reassessing the impact of AI, with initial euphoria giving way to growing scepticism. This shift is evident in the performance of ASX-listed AI beneficiaries, creating potential opportunities.

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