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12 October 2026
The 10 Commandments of Terms of Trade: Protecting Your Business
In Bill Clinton’s campaign for office, James Carville famously stated “it’s the economy, stupid.” In business “it’s the small print, stupid’. And the ‘small print’ in this case is found in your credit application and terms of trade. Having reviewed hundreds, if not thousands of applications and trading terms, I know just how boring they can be, but I assure you they are critical. Particularly when it comes to ensuring your security for payment and security for the return of your equipment. Why Your Terms of Trade Matter Your terms and conditions of trade establish a contract between you and...

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...

19 July 2026
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,...

10 April 2026
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...
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