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16 October 2026
The Financial Cost of a Cyber Breach for Australian SMEs
Cyber security threats remain an ongoing concern for Australian businesses, regardless of their size or industry. From operational downtime and lost revenue to recovery expenses and reputational damage, the financial impact of a cyber breach can continue long after your systems are back online and secure. Understanding the potential cost of a cyber breach is an important part of maintaining operations and protecting cash flow. What is a Cyber Breach? A cyber breach involves unauthorised access to a business’s systems, networks or data. It can expose confidential information, compromise accounts, or disrupt operations. Cyber breaches can stem from various incidents,...

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...

24 August 2026
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...
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