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We’ll share practical insights, case studies, and myth-busting guides to help non-conforming borrowers take control of their options.
What lenders really look for in self-employed borrowers
Low doc loans explained: fact vs myth
Bad credit? How to position yourself for approval
 Why non-bank lenders are the hidden heroes of the finance world

Tax breaks, rising insolvencies, possible rate hikes and cyber risks – what do they mean for your business? Here are four issues worth having on your radar:

  • $20,000 instant asset write-off becomes permanent

  • Rising insolvencies put cash flow firmly in focus

  • Higher rates ahead? Prepare rather than predict

  • Stronger cyber security could open commercial doors

Keep reading for all the news.

$20,000 WRITE-OFF

BECOMES PERMANENT

Small businesses planning to invest in new equipment now have more certainty about the tax treatment of eligible purchases.
The federal government has made the $20,000 instant asset write-off permanent from 1 July 2026, rather than extending it one financial year at a time.
Around 2.7 million active small businesses with turnover below $10 million may be eligible.
What can be written off?
Eligible businesses can immediately deduct the full cost of assets valued at less than $20,000.
The threshold applies per asset, which means businesses may be able to claim multiple purchases in the same financial year. That could include tools, computers or machinery.
There’s also another potential cash-flow measure. Eligible companies can now carry back tax losses against tax paid up to two years earlier, potentially generating a refundable tax offset.
Tax implications are best discussed with an accountant, while I can help compare funding options if the purchase is already part of the business plan.

INSOLVENCIES PUT

BUSINESSES ON ALERT

Corporate insolvencies have climbed sharply – a reminder that even established businesses need to keep a close eye on cash flow and financial resilience.
ASIC data shows there were 14,004 insolvencies in the year to July 2026, compared with just 5,202 in the year to July 2023.
Australian Industry Group says insolvencies have been growing three times faster than the number of Australian businesses over the past decade. It points to weak economic growth and high inflation as key pressures.

CASH FLOW DESERVES ATTENTION

For business owners, the figures are a reminder to spot financial pressure early rather than wait for a crunch.

That might mean monitoring:

  • Cash-flow forecasts and upcoming expenses.

  • Customer payment times.

  • Debt repayments and other fixed commitments.

  • Whether there is enough working capital to absorb an unexpected setback.

If cash flow is tightening or existing debts are becoming harder to manage, acting early may create more options. I can help review existing finance and explore funding structures that better suit the business’s circumstances.