Just under a year ago, we wrote an article about how interest rates affect borrowing capacity. Given the rate at which interest rates were climbing at the time, it highlighted how much the increase in rates over the preceding 12 months had eroded borrowing capacity. Since that time rates quickly climbed ~0.75% higher and have […]
Effective management of the supply chain cycle is crucial to a successful business. The supply chain cycle is essentially a sequence of processes and activities involved in the production, distribution, and delivery of goods and services from suppliers to customers. It encompasses the entire journey of a product or service from its raw material sources […]
With interest rates continually climbing, most of the commentary focuses on how much more it will cost borrowers each month. Whilst it is important to understand this impact, it also very worthwhile to assess how much an interest rate increase restricts further borrowing through debt capacity &/or LVR restrictions. Our analysis below demonstrates the significant […]
Dealing with the Big 4 Banks over the last five years and in particular post royal commission has been slow and a time-consuming process. The rates are low, so most clients are just used to “playing the game” to finally get some sort of approval (Sometimes). Is Non-Bank Lending the way forward? Recent data has […]
As most people in business would know, cash is king. No matter how profitable a business is, unless that profit is converted into cash, the business will eventually run out of money. And given the raft of external factors currently impacting trading conditions (supply chain constraints, ballooning electricity prices, tightening of the labor market, and […]
We see a lot of advertisements around mentioning don’t pay the banks too much “loyalty tax” i.e. another way of saying – Let’s find the cheapest interest rate. Commercial and corporate lending facilities are not home loans; sometimes cheaper isn’t always better. When we are engaged by clients to tender their banking arrangements and/or market […]
