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Business and Finance

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

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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.

Industry News

Stockspot Blog

4 December 2025

Things your adviser might say to keep you away from Stockspot

Over the years we’ve heard advisers spread myths to convince investors to avoid Stockspot. Here we unpack the most common claims. The post Things your adviser might say to keep...

Firstlinks

3 December 2025

Welcome to Firstlinks Edition 640

Does money buy freedom? Many people dream of having enough wealth to do what they want when they want. It may not be as simple as that though, and this...

Firstlinks

2 December 2025

AFIC on the speculative ASX boom, opportunities, and LIC discounts

In an interview with Firstlinks, CEO Mark Freeman discusses how speculative ASX stocks have crushed blue chips this year, companies he likes now, and why he’s confident AFIC’s NTA discount...

Firstlinks

2 December 2025

Solving the Australian equities conundrum

The ASX’s performance this year has again highlighted a persistent riddle facing investors – how to approach an index reliant on a few sectors and handful of stocks. Here are...

Firstlinks

2 December 2025

Regulators warn super funds to lift retirement focus

Despite three years of the retirement income covenant, regulators warn a widening gap between leading and lagging super funds, with weak member insights and patchy outcomes measurement threatening retirees’ financial...

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...

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?...

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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...

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...

Finance business partners 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...

Show only videos

Industry News

Stockspot Blog

4 December 2025

Things your adviser might say to keep you away from Stockspot

Over the years we’ve heard advisers spread myths to convince investors to avoid Stockspot. Here we unpack the most common claims. The post Things your adviser might say to keep...

Firstlinks

3 December 2025

Welcome to Firstlinks Edition 640

Does money buy freedom? Many people dream of having enough wealth to do what they want when they want. It may not be as simple as that though, and this...

Firstlinks

2 December 2025

AFIC on the speculative ASX boom, opportunities, and LIC discounts

In an interview with Firstlinks, CEO Mark Freeman discusses how speculative ASX stocks have crushed blue chips this year, companies he likes now, and why he’s confident AFIC’s NTA discount...

Firstlinks

2 December 2025

Solving the Australian equities conundrum

The ASX’s performance this year has again highlighted a persistent riddle facing investors – how to approach an index reliant on a few sectors and handful of stocks. Here are...

Firstlinks

2 December 2025

Regulators warn super funds to lift retirement focus

Despite three years of the retirement income covenant, regulators warn a widening gap between leading and lagging super funds, with weak member insights and patchy outcomes measurement threatening retirees’ financial...

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