Monthly Archives: March 2011

Colorado saga highlights the “rocky road” of bank debt

But, perhaps the most significant contributor to their failures were the high debt levels that the owners used to finance the businesses as part of their financial engineering that is the hallmark of many private equity investments. Continue reading

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SME’s need to ensure the mining boom doesn’t make them go bust

As the mining boom continues in Australia, SME mining services companies need to make sure that over-trading doesn’t make them go bust. Continue reading

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SME’s could get caught in NSW Government’s “Black Hole”

Whether you believe this “black hole” is a major issue or just a political stunt, small businesses who provide services to the NSW government departments should be prepared to wait longer to get paid. Continue reading

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As the Golden Era of Australian Banking fades, to too do the hopes of SME’s for greater access to lending

More troubling for SME’s is his comment the confluence of higher funding costs and “…more conservative funding profiles in response to the GFC and demands of the regulators.” Essentially what this means is that small business loans – because they are inherently riskier as compared to residential mortgages – will become even tougher to obtain. Continue reading

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SME’s take cover…covered bonds won’t help you get a loan

For small businesses, we continue to believe that the potential introduction of ‘covered bonds’ is a non-issue as it does not address the primary concern of accessibility to conventional bank loans. Continue reading

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Yanks take the lead on Government support for small business lending

Let’s face it – small businesses never could rely on much Government help and we probably can’t expect much in the future. Continue reading

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As gold price soars…so do payment days for outstanding invoices

In uncertain times, we know that businesses hold onto their cash for longer. They may put off investment decisions and almost certainly will extend the payment time to settle up outstanding invoices. Continue reading

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Don’t sell the family jewels!

Not only does the small business obtain the cash flow it requires, it also allows the business owner to separate business and personal assets. After all, why sell the family jewels when there is a “diamond in the rough” in the form of invoices already residing in the invoices that waiting to be paid? Continue reading

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SME’s could miss out on sales opportunities from temporary AUD weakness

Australian businesses who export product to overseas market may see even a temporary boost to sales with the recent weakening in the currency. Continue reading

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How SME’s with no link to Japan are affected by the crisis

In speaking with small business owners over the last few days, many have made the comment that their business does not export to Japan, nor do they rely on the importation of Japanese supples, so therefore the tragedy should not really affect their business. However, there are significant secondary factors that very well may hit them… Continue reading

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