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4 February 2020

Is your business ‘fit’ for finance in 2020?

As changing markets create a new lending environment there continues to be a trend of increased risk aversion by mainstream financial institutions (banks/lenders). In this article we explore how businesses can ensure they are ‘fit’ for finance in 2020 and beyond. Prepare your business’ financial statements It is essential for businesses to have up-to-date financial statements as it provides visibility on the overall performance of the business. Having accurate and timely financial statements can also assist in getting your business ‘fit’ for finance. When applying for finance, financial institutions (banks/lenders) require up-to-date financial statements. Getting these organised can take some...

Industry News

Stockspot Blog

19 December 2025

Meet David Franey

David, a first-time investor and grandfather, shares how he turned Christmas shopping into a chance to create a lasting financial head start for his grandkids. The post Meet David Franey...

Stockspot Blog

17 December 2025

Should you invest in property or shares?

Property and shares are the two most common ways of building wealth in Australia. Find out which one is better for you. The post Should you invest in property or...

Firstlinks

17 December 2025

Welcome to Firstlinks Edition 642

It’s the season for 2026 market forecasts. Predicting the short term is tough though, and it’s often best to look at long-term data to guide your investment decisions. A new...

Firstlinks

16 December 2025

Australian stocks will crush housing over the next decade, 2025 edition

Two years ago, I wrote an article suggesting that the odds favoured ASX shares easily outperforming residential property over the next decade. Here’s an update on where things stand today.

Firstlinks

16 December 2025

Property versus shares – a practical guide for investors

I’ve been comparing property and shares for decades and while both have their place, the differences are stark. When tax, costs, and liquidity are weighed, property looks less compelling than...

Recent Insights.

cash flow

4 February 2020

Why is cash flow so important for businesses?

When it comes to running a business of any size, managing its cash flow is crucial. So, why is cash flow so important for businesses and how can you ensure you successfully manage it? In this article we will explore: What is cash flow? Why is cash flow so important? How to analyse cash flow How to finance your cash flow What is cash flow? Put simply, cash flow is the money moving/flowing in and out of your business. Cash flows in from customers who purchase goods and services, money from investors, interest on savings or investments, and so on....

Perth Commercial Business Centre cityscape at dusk

3 December 2019

Prepare your business for the new year

Now is a great time for businesses to reflect on achievements and challenges they faced over the past year and prepare for what’s ahead. To help you prepare for the new year we have put together a few tasks to add to your to-do-list: Review and create new goals This time of year, is a perfect time to review your short-term goals achieved throughout the year, as well as looking at the challenges or negatives you incurred along the way. It’s important to understand when these challenges took place and what you did to resolve them, to give you the...

Business Finance solutions with Ledge Finance

6 November 2019

5 Lifestyle hacks to improve your energy at work

There is a vast amount of readily available information on how you can increase your health and improve your energy levels, so much so that it can become confusing or in some cases controversial. An article published by the Australian Institute of Company Directors caught our attention, as it explores how a few simple lifestyle hacks can improve your energy at work. The article features Dr Joanna McMillan who explores the idea of “lifestyle medicine” and how it has the power to make a real difference to how you feel, your performance and energy levels for work and leisure, your...

Corporate team strategy meeting in a boardroom.

4 November 2019

Ledge Finance: 3-Way forecasting for SME & large businesses

Perth Commercial Business Centre cityscape at dusk

Growth in the WA mining & resources sector

Australia is starting to see an upturn in the mining and resources sector after ending 2018 with a record-breaking year and continuing this growth into 2019. [1] Western Australia plays a huge part in this success, but there are plenty of discussions around the current skills shortage. Growth in the resources and mining sector The Resources and Energy Quarterly report June 2019, released by the Australian Government, Department of Industry, Innovation and Science reported: “In recent years, we have predicted commodity export earnings would peak in 2018 – 19. As recently as March 2019, we suggested record earnings of $278...

Perth Commercial Business Centre cityscape at dusk

3 September 2019

CAFBA Annual Conference & Awards Night 2019

CAFBA Annual Conference & Awards Night 2019 The CAFBA (Commercial and Asset Finance Brokers Association of Australia) Annual Conference and Awards Night 2019 were held last Friday and what a fantastic day and night of events it was. The main focus for the conference was on innovation and change which is extremely topical in the current market conditions. CAFBA President, David Gandolfo, opened the annual conference by highlighting the role of CAFBA and the key points that would be discussed throughout the morning. These topics included, political and regulatory policies affecting the market, disparity in the market, responsible lending laws...

Perth Commercial Business Centre cityscape at dusk

Bunbury Drilling Company’s newest asset

Bunbury Drilling Company’s newest asset Bunbury Drilling Company (BDC) is a third-generation family business, which has been providing drilling services to the mining, agricultural and public water supply industries for over half a century. Established in 1955, BDC is one of the oldest and most experienced specialist drilling contractors in Australia today. BDC recently took delivery of a new Schramm T130 Fury mobile drill rig to further complement and expand the company’s fleet and service capabilities. This new drill rig is a quantum leap for water well rigs in Australia with its high mobility, agility, power, and serviceability, with 130,000...

Ledge Finance & Norwest Crane Hire

Perth Commercial Business Centre cityscape at dusk

How does the cash rate impact banks interest rates?

How does the cash rate impact banks interest rates? The RBA conducts Australia’s monetary policy which includes setting the cash rate on overnight loans in the money market. The cash rate influences the banks’ interest rates, however there are many other factors which also affect rates including overall cost of funds, lending risks, competition etc. In June 2019, the RBA announced a 0.25% (25 basis points) cut to the cash rate to a historical low of 1.25%. Not all banks followed suit which provoked the usual media outcry. Closer analysis would have revealed that the bank which passed on the...

Show only videos

Industry News

Stockspot Blog

19 December 2025

Meet David Franey

David, a first-time investor and grandfather, shares how he turned Christmas shopping into a chance to create a lasting financial head start for his grandkids. The post Meet David Franey...

Stockspot Blog

17 December 2025

Should you invest in property or shares?

Property and shares are the two most common ways of building wealth in Australia. Find out which one is better for you. The post Should you invest in property or...

Firstlinks

17 December 2025

Welcome to Firstlinks Edition 642

It’s the season for 2026 market forecasts. Predicting the short term is tough though, and it’s often best to look at long-term data to guide your investment decisions. A new...

Firstlinks

16 December 2025

Australian stocks will crush housing over the next decade, 2025 edition

Two years ago, I wrote an article suggesting that the odds favoured ASX shares easily outperforming residential property over the next decade. Here’s an update on where things stand today.

Firstlinks

16 December 2025

Property versus shares – a practical guide for investors

I’ve been comparing property and shares for decades and while both have their place, the differences are stark. When tax, costs, and liquidity are weighed, property looks less compelling than...

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