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Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia's small to medium sized business sectors showing cashflow issues that many businesses face today, below is one of six key insights f... -
A steady supply of working capital is vital to the success of SMEs. Whether it’s for business expansion, investing in new equipment or any other reason, companies need funding to stay afloat. Unfortunately, ob... -
Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia's small to medium sized business sectors showing cashflow issues that many businesses face today, below is one of six key insights f... -
Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia's small to medium sized business sectors showing cashflow issues that many businesses face today, below is one of six key insights f... -
Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia's small to medium sized business sectors showing cashflow issues that many businesses face today, below is the one of six key insigh... -
Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia's small to medium sized business sectors showing cashflow issues that many businesses face today, below is the first of six key insi... -
Outlined below are the main Federal Budget initiatives targeted at SMEs, along with whether small to medium business owners really wanted the Government to prioritise that initiative. The data comes from a sur... -
Newly released SME Growth Index results Twenty-two percent of survey respondents said Royal Commission fallout, with the banks tightening lending conditions during a year of Commission hearings, had already ma... -
Cohen and Krass is a multidisciplinary practice based in Sydney. Since 2002 Cohen and his solicitor business partner have specialised in providing accounting, legal and business advisory services for SMEs and h... -
Cash flow is by far the biggest stress point for business owners, as clearly shown by the results of our latest Scottish Pacific SME Growth Index. Whether you’re a business owner or an accountant, adviser or b... -
Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia's small to medium sized business sectors showing cashflow issues that many businesses face today, below is the fourth of six key ins... -
The end of the year is fast approaching, and now is a great time to start to think about how you can make 2019 your best business year yet. Difficult economic conditions are bound to arise throughout the year a... -
Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia's small to medium sized business sectors showing cashflow issues that many businesses face today, below is the third of six key insi... -
Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia's small to medium sized business sectors showing cashflow issues that many businesses face today, below is the second of six key ins... -
If you’re a small business owner whose funding is tied to property security, the rumblings in the housing market may be making you uncomfortable about how you’ll fund growth. Growth SMEs say if their cash flow... -
Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia's small to medium sized business sectors showing cashflow issues that many businesses face today, below is the first of six key insi... -
Spring has arrived and while you might be busy de-cluttering your cupboards and dusting down the cobwebs, it is an important time to focus on cleaning up your business too. Use the change of season to refresh y... -
Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia's small to medium sized business sectors showing cashflow issues that many businesses face today, below the last key insight from ou... -
Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia's small to medium sized business sectors showing cashflow issues that many businesses face today, below is the fifth out of the six ... -
Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia's small to medium sized business sectors showing cashflow issues that many businesses face today, below is the fourth out of the six... -
Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia's small to medium sized business sectors showing cashflow issues that many businesses face today, below is three of the six key insi... -
Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia's small to medium sized business sectors showing cashflow issues that many businesses face today, below is the second of six key ins... -
Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia's small to medium sized business sectors showing cashflow issues that many businesses face today, below is the first of six key insi... -
Findings in the latest Scottish Pacific SME Growth Index paint an interesting picture of the SME business landscape, with business owners increasingly turning to non-bank finance to fund growth. SME owners are... -
The life of a small business owner can be busy and challenging, and at times chaotic. It can be easy to fall into a routine of getting too comfortable, staying the same, and never changing or improving. However... -
It’s no secret that getting your clients to pay you on time can often be a real struggle. Not getting payments on time can be damaging to a small business. Not only does it affect your cash flow plan, but it ca... -
The period following on from the festive season is a particularly challenging time for any SME business. It is easy to get caught out after a long, slow period from a cash flow perspective over the post-Christm... -
Debtor finance is a dynamic working capital finance solution for your clients. It can help them to significantly grow their business and improve cash flow. We are often asked by brokers what to look for in dete... -
The end of the financial year can be a stressful time for businesses, winding down from the previous financial year and keeping up with the usual day-to-day operations. It is important for business owners to ta... -
There are three key concerns for small to medium business owners in the building and construction sector – cashflow issues, BAS red tape and employment regulations. These are the findings of the latest Scottis... -
In the transport industry, whether you are a one-truck owner-operator or a national freight company, one of the chief issues is waiting 30 to 60 days, or longer, for clients to pay. While you wait for payment,... -
The Scottish Pacific SME Growth Index for September 2017 looks at growth expectations and key concerns of Australia’s SME owners – businesses with an annual turnover of $1-20 million. Produced in partnership w... -
Growing your business means investing in your dream, but funding that growth means thinking very practically about where the money will come from. Perhaps the most common pathway is to go to the bank and pledge... -
For business owners seeking finance, there are smarter unsecured funding options than using real estate as security. Getting an overdraft secured against personal real estate is still central to the thinking o... -
Receiving cash up front from customers is every business’s ideal scenario. That cash can be put back to work immediately, to invest, pay off creditors and generally help you better navigate the business through... -
It’s no secret that cash-flow – or a lack of it – is a killer for many small and medium-sized enterprises. Less well known is the fact that various market solutions exist which can help businesses better manage... -
The fifth edition of the bi-annual Scottish Pacific SME Growth Index in association with East & Partners have just been released for September 2016. This latest edition polled the owners and leaders of 1200 Aus... -
Most business owners and advisers equate finance with cost. Unless it is intended to generate additional revenue, finance means interest cost which cuts margins and reduces overall profitability. But what if th... -
Everything about the transport sector is big. Big trucks, big distances, big fuel bills – and big risks. In a nation that relies heavily on road transport companies to move goods across vast distances or within... -
Without much doubt, growth is good. However, while every business owner naturally strives for business growth, it requires careful management and planning, otherwise it can pose significant risks for the enterp... -
How do you know when it is time to focus on meaningful growth? It’s hard to imagine there are any businesses out there that don’t want to grow. The potential for growth and expansion (and an associated rise in... -
When you sell, sell well. It is a given that if you want to sell a home and maximize the price, preparation is all-important.The same mentality is required for the sale of a business – in fact, preparation in ... -
A divorce is inevitably an emotional and stressful time that can have a serious impact on people’s lives – and potentially derail a business at the same time. The business is of course a wealth-creation vehicle... -
What do wineries, beauty and healthcare businesses have in common? They are three industries that our trade finance team at Scottish Pacific are hearing from with increasing regularity. These industries, along... -
With an uncertain Christmas trading period approaching, business owners should be extra vigilant in managing their working capital and monitoring cash flow, to stay healthy, and avoid both the dangers of overtr... -
1. No real estate is required as security means lower risk. A key requirement of commercial overdrafts is putting up personal or commercial real estate as security. With debtor finance, the value of the invoice... -
Business growth is built on a cornerstone of great service and great service is built on the foundations of human capital, strong funding and efficient systems. So, when businesses fail during a sharp growth p... -
Debtor Management is critical to ensuring your business has sufficient working capital to reinvest and grow. We have compiled a quick list of 8 steps to ensuring your cashflow management system is as robust as ... -
Choosing a finance facility is one of the most significant and time consuming decisions business owners are likely to make – get it wrong, and it will add cost unnecessarily (particularly switching costs) and c... -
In business, risks can be overt or sometimes insidious and hard to identify. This is the case for what is often termed concentration risk. When this type of risk become realised, the costs can be very severe, s... -
How late payment can really cost your business $19 billion locked away from Australian businesses every year due to late payments Poor cash flow responsible for 90 percent of SME failure Late invoice payme... -
Funding Tools for Business Managers The Business Dream For many business managers the opportunity to own the business they work for and in many cases have helped to build up, is one they would relish. Despit... -
Even brilliant entrepreneurs struggle with cashflow, particularly when they are just getting started. As a leading global cashflow solutions provider, we see many companies struggling to smooth out their cashfl... -
Prepare your business cash flow for the New Year For many businesses there is no more challenging time in the year than the festive season for the management of cash flow. Being a key trading period, demands o... -
Cashflow is the lifeblood of any company, and so it stands that irregular flows of finance can spell potential disaster for a company that fails to implement the systems and processes necessary to maintain a he... -
Business growth requires a solid foundation and a solid foundation is built on powerful risk-management. The single most important thing an SME can do to minimise the risk of failure is to establish a risk man... -
One of the biggest challenges for small to medium enterprises (SMEs) is maintaining positive cashflow. It’s not uncommon for a profitable business to experience cash flow problems, and this is especially true w... -
Here are 10 top tips from Scottish Pacific to help you make the most out of this end of financial year: 1. Pay and clean up any super owing before 30 JuneBusinesses must ensure they are paying employees add... -
As the business community shift focus towards the end of financial year, it is critical that owners take steps to manage their tax affairs particularly as the ATO appears to become more proactive in their manag... -
The current business environment is a challenging one, with difficult economic conditions creating cashflow challenges that can limit business growth. This ten-point checklist outlines how businesses can review... -
12 reasons Debtor finance is Australia’s most versatile business funding solution Businesses are faced with a wide variety of situations as they move through the start-up, growth and maturity stages of their l... -
Partnership disputes are incredibly common and rank just behind death and taxes on the scale of unavoidability. Increasingly directors are discovering the versatility of debtor finance as a strategic tool to ex... -
A little financial forward thinking can pay big dividends For small and medium sized businesses supplying goods, the first quarter of the financial year is often one when many SMEs have already turned their at... -
The baby-boom generation is retiring and Australian businesses are encountering a once-in-a-lifetime opportunity to expand as a stream of solid businesses hit the market.Debtor finance is an incredibly versatil... -
For many people, the summer season is a time to relax and enjoy the long summer days, lazy evenings and a chance to take a long relaxing holiday. However, the reality for many small business owners and managers... -
The Australian economy is dominated by a few big corporate mother ships and, by global standards, a relatively small pool of industries, making concentration risk a serious issue for domestic businesses. Conce... -
The labour hire and recruitment sector is commonly known to be a desirable segment for many invoice financiers, and in fact some 20% of total clients using such facilities are in these sectors, according to DIF... -
Much has been written about the advantages and disadvantages of offering early settlement discounts. The arguments in favour usually focus on the ease of implementation, the benefits of accessing working capit... -
Poor cash flow is one of the main reasons for business failures. For small and medium sized businesses, the real key to success is maintaining a good flow of cash through the business enabling it to purchase ra... -
All businesses aim for a healthy bottom line. But while it is possible to operate a business at a loss, it is not possible to sustain or certainly to grow an enterprise without steady cash flow and the required... -
Succession planning is one of the key issues facing SMEs over the next decade. As the wave of baby boomers owning about 80 per cent of Australia’s SMEs valued at roughly $3.5 trillion retire, it will pose huge ... -
Businesses have clearly delineated life cycles and each stage – from start-up, to the growth phase, to maturity, and the exit of the founder – has a specific risk profile. This article examines just a few of th... -
SMEs in growth mode but find that funding growth is a challenge Scottish Pacific has recently teamed up with East & Partners, a leading, specialist, market research firm in the corporate and investment banking... -
The Financial System Inquiry’s Interim Report, released on 15 July, indicates that access to external debt has become more difficult and more expensive to source for small businesses and SMEs. This, in turn, h... -
Growth in the debtor finance industry as a whole has slowed in recent years (3% from June 2011 to June 2013), but this has not been the case at Scottish Pacific. The growth in our business has been a spectacula... -
Scottish Pacific is celebrating 25 years in business. The commercial landscape in Australia and throughout the rest of the world has changed significantly since we opened for business in 1988, with the advent o... -
Debtor Finance is unique in its versatility, being suitable for a very wide range of business situations. It is most suitable to businesses when they: Are growing and require faster cashflow to inject cash b... -
It’s the beginning of a new year and the optimism that comes with a fresh start to the year should always be matched with a solid business plan going forward. New Years is a period of heightened credit risks du...
