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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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multi-generational workplace

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,...

Industry News

Firstlinks

Welcome to Firstlinks Edition 619

In 2025, the dominant consensus trade has gone from being long US assets to long almost everything else. It’s not often a market narrative changes that fast, so how can...

Firstlinks

9 winning investment strategies

There are many ways to invest in stocks, but some strategies are more effective than others. Here are nine tried and tested investment approaches – choosing one of these can...

Firstlinks

Super, death and taxes – time to rethink your estate plans?

The $3 million super tax has many rethinking their super strategies, especially issues of wealth transfer on death. This reviews the taxes on super benefits and offers investment alternatives.

Firstlinks

Raising the GST to 15%

Treasurer Jim Chalmers aims to tackle tax reform but faces challenges. Previous reviews struggled due to political sensitivities, highlighting the need for comprehensive and politically feasible change.

Firstlinks

The megatrend you simply cannot ignore

Markets are reassessing the impact of AI, with initial euphoria giving way to growing scepticism. This shift is evident in the performance of ASX-listed AI beneficiaries, creating potential opportunities.

Recent Insights.

Business Credit Score

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...

2 founders of Rigsafe, Tanya and Kevin, and Brad from Ledge Finance standing in front of a vehicle and Rigsafe's new warehouse

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...

Business Loan Requirements

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...

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...

2 founders of Rigsafe, Tanya and Kevin, and Brad from Ledge Finance standing in front of a vehicle and Rigsafe's new warehouse

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,...

2 founders of Rigsafe, Tanya and Kevin, and Brad from Ledge Finance standing in front of a vehicle and Rigsafe's new warehouse

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...

Housing Grants

Government housing grants: Support for homeowners

Are you buying, building or renovating? The Government has put a number of stimulus packages in place to support homeowners and prospective home buyers. Here’s what you need to know about the Government grants. WA State Government First Home Owners Grant of $10,000 & Stamp Duty Concessions This is available for First Home Buyers who: have never owned a property in WA in your own name and neither has your spouse; intend to live in the home as your principal place of residence for at least 6 continuous months within 12 months of settlement; enter into a contract to purchase...

COVID-19 Industry health check survey: the impact on WA businesses

Ledge recently surveyed a number of Perth small businesses (mostly clients and other stakeholders) to get a better understanding of and to provide clarity around how industries have been impacted by COVID-19 and its knock on effects. We surveyed businesses from various industries, including infrastructure/earthmoving, construction/engineering, manufacturing, agri/food and professional services. Whilst the effects of COVID-19 have been widespread across all industries, some businesses have been able to operate as per usual, whereas others have had to innovate and think of new ways to deliver their services. Changes in Operations As a whole, 48.3% of WA businesses surveyed have made...

2 founders of Rigsafe, Tanya and Kevin, and Brad from Ledge Finance standing in front of a vehicle and Rigsafe's new warehouse

10 Tips to lead your business through change

SME’s are the backbone of the Australian economy, and the last few years have especially forced business leaders to think creatively and become more innovative and proactive in the way they deliver their services. Here are 10 practical tips that will help you lead your business through change: 1. Be opportunistic This is a great time to look at your business model and how you’re engaging with your customers. Are there any opportunities within your current product offering to explore new service delivery methods? 2. Balance is key Use your financials to help plan and manage your business cash flow....

Show only videos

Industry News

Firstlinks

Welcome to Firstlinks Edition 619

In 2025, the dominant consensus trade has gone from being long US assets to long almost everything else. It’s not often a market narrative changes that fast, so how can...

Firstlinks

9 winning investment strategies

There are many ways to invest in stocks, but some strategies are more effective than others. Here are nine tried and tested investment approaches – choosing one of these can...

Firstlinks

Super, death and taxes – time to rethink your estate plans?

The $3 million super tax has many rethinking their super strategies, especially issues of wealth transfer on death. This reviews the taxes on super benefits and offers investment alternatives.

Firstlinks

Raising the GST to 15%

Treasurer Jim Chalmers aims to tackle tax reform but faces challenges. Previous reviews struggled due to political sensitivities, highlighting the need for comprehensive and politically feasible change.

Firstlinks

The megatrend you simply cannot ignore

Markets are reassessing the impact of AI, with initial euphoria giving way to growing scepticism. This shift is evident in the performance of ASX-listed AI beneficiaries, creating potential opportunities.

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