


Recent Insights.

3 November 2020
November 2020 Perth housing market update
The way we work, live and go about our everyday lives has changed quite a bit in recent times. Although Covid-19 continues to have a significant impact the economy, the Perth housing market has been somewhat resilient. Sometimes it pays off to be one of the most secluded states in the world! Australian property market outlook It’s no doubt that Covid-19 has had an immense effect on the Australian housing market. One of the most prominent impacts has been the reduction in new immigrants, with overseas immigration going from around 250,000 people a year to practically zero in just over...

3 November 2020
Guide to setting up a small business in Australia
Have you ever thought about setting up a small business in Australia but have yet to follow through? Now is the best time to become that entrepreneur you have always wanted to be. Business success results from a strong business model and a unique idea purposefully built to solve problems. Let’s take General Motors, Airbnb and Uber as examples. All three businesses were created to solve a problem. What makes them even more interesting is they were founded during economic downturns. The current business climate is challenging to navigate, so it’s essential that you surround yourself with several professional advisors...

2 October 2020
Creating a multi-generational workplace
Did you know that Millennials born between 1981 and 1996 are the largest generation yet? By 2025, most Millennials will be in the workforce, and the next generation, “Gen Z,” will have entered. We are familiar with new generations entering the workforce but what do younger generations have to offer and why should businesses have a key focus on creating a multi-generational workplace? Can you imagine being born into a world where your parents could use Google to search for ‘most popular baby names’? Gen Z has lived and breathed in a digitalised world from the moment they were born,...

2 October 2020
How to improve your business’ credit score
Funding growth, expansion, or other working capital requirements are always something business owners think about. If you are seeking a business loan facility, your business credit score will indicate your ability to repay the loan. In this article, we explain a business credit score, why you want it to be a good score, what influences it, and tips to improve it. What is a business credit score? Financial institutions (banks/lenders) use your business credit score as an indicator of your creditworthiness. It is calculated using the information listed on your company credit file. In addition to financial institutions assessing your...

1 September 2020
Deferred loan payments: Where to next?
The six-month loan repayment deferrals are due to conclude at the end of September 2020 as Banks enter the next phase of support to assist customers. Whether you are a business or an individual who is currently under a loan deferral structure, you need to know what the next phase entails and what this means for you or your business. The next phase, for most banks, will begin on 1 October 2020, where customers who are able to start paying their loans will be required to do so. Those who are still unable to pay due to ongoing financial difficulty...

4 August 2020
Business loan requirements: What you need to know
There are various finance solutions available for businesses, and the role of commercial finance brokers has become more important now than ever before as we support these businesses and create market clarity. What questions should you ask yourself before applying for a business loan? The best business loan option will vary depending on the type of business and its requirements. Several different loan products are available; it’s a matter of choosing an option to achieve the best outcome. At Ledge, we ensure businesses are fully aware of what options may be best suited to them. To achieve this, we ask key...

7 July 2020
The role of a commercial finance broker
Businesses have faced many challenges over the past few years, and there are bound to be more as we continue to navigate changes within our businesses and the wider market. In this article, we will explore the role of commercial brokers and how they can assist businesses through challenging times. 1. Navigate the changing lending environment In recent years, The Banking and Finance Industry has been subjected to enquiry after enquiry, culminating in the Royal Commission. COVID-19 also impacted many businesses, which has, in turn, affected their ability to secure funding to grow their business. Banks are conducting much deeper...

7 July 2020
WAURC new equipment to help with the heavy lifting
WAURC New Equipment to Help with the Heavy Lifting WA Universal Rigging & Cranes (WAURC) is a leading rigging and crane contractor that has been providing high-quality service to the construction, infrastructure, residential, farming, and resource sectors since 1985. The Company’s range of service capabilities and large, diverse fleet enable it to remain at the forefront of its industry. From the supply and installation of structural steel and precast concrete or tilt-up to mechanically aided rigging of heavy units, WAURC can manage large projects in-house. WAURC has been involved in projects such as the Perth Underground Train Station, Perth Stadium,...

1 July 2020
Operating cash flow: The core of your business
What is Operating Cash Flow? Operating Cash Flow (OCF) is cash relating to core business activities over time. Ideally, the money coming into the business generated from your service offering (i.e. sales) should be more than operating costs. OCF is used to evaluate the underlying health of the business and to demonstrate the cash generated from normal operations without taking into account secondary sources of revenue, such as investments, finance or the sale of assets. Operating activities explained The various sources and applications of cash included in your OCF are directly related to providing your goods and services to the...