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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

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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 617

The US is in a debt trap, bond markets will soon break, and private credit is like the US mortgage market in 2005 – these are the pessimistic views of...

Firstlinks

Will young Australians be better off than their parents?

For much of Australia’s history, each new generation has been better off than the last: better jobs and incomes as well as improved living standards. A new report assesses whether...

Firstlinks

The rubbery numbers behind super tax concessions

In selling the super tax, Labor has repeated Treasury claims of there being $50 billion in super tax concessions annually, mostly flowing to high- income earners. This ignores the real...

Firstlinks

A steady road to getting rich

The latest lists of Australia’s wealthiest individuals show that while aggregate wealth has continued to rise, gains by individuals haven’t been uniform. In fact, many may have been better off...

Firstlinks

Would a corporate tax cut boost productivity in Australia?

As inflation eases, the Albanese government is switching its focus to lifting Australia’s sluggish productivity. Can corporate tax cuts reboot growth – or are we chasing a theory that doesn’t...

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...

Ledge Home Loans Named Best New Office WA

We’re proud to share some exciting news from our partner business – Ledge Home Loans – has been awarded Best New Office WA at The Adviser’s Better Business Awards 2025. Starting a new mortgage broking business is no small feat. Over the past year, the team at Ledge Home Loans has worked tirelessly to build strong relationships, provide expert advice, and guide clients through one of life’s biggest decisions – buying a home. This award is a reflection of their commitment, professionalism, and client-first approach. Ledge Home Loans was also named a finalist in the Best Boutique Non-Franchise Office category,...

Boom Fitness 2025 Revo Fitness 24hr Swim for Ocean Heroes

Backing a Heroic Cause: Team Boom’s 24-Hour Swim for Ocean Heroes

At Ledge, we’re proud to support initiatives that go beyond business and bring our communities together for a greater cause. Over the weekend, Team Boom from Boom Fitness once again showed us what determination, community spirit, and heart look like – completing the epic Revo Fitness 24hr Swim for Ocean Heroes. When passion meets purpose This year, Team Boom swam a jaw-dropping 91,900 metres. That’s 1,838 laps in just one day. Not only did they take on the physical challenge, but they also raised an incredible $18,247 for Ocean Heroes, securing their spot as the Top Fundraising Team for the...

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

Firstlinks

Welcome to Firstlinks Edition 617

The US is in a debt trap, bond markets will soon break, and private credit is like the US mortgage market in 2005 – these are the pessimistic views of...

Firstlinks

Will young Australians be better off than their parents?

For much of Australia’s history, each new generation has been better off than the last: better jobs and incomes as well as improved living standards. A new report assesses whether...

Firstlinks

The rubbery numbers behind super tax concessions

In selling the super tax, Labor has repeated Treasury claims of there being $50 billion in super tax concessions annually, mostly flowing to high- income earners. This ignores the real...

Firstlinks

A steady road to getting rich

The latest lists of Australia’s wealthiest individuals show that while aggregate wealth has continued to rise, gains by individuals haven’t been uniform. In fact, many may have been better off...

Firstlinks

Would a corporate tax cut boost productivity in Australia?

As inflation eases, the Albanese government is switching its focus to lifting Australia’s sluggish productivity. Can corporate tax cuts reboot growth – or are we chasing a theory that doesn’t...

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