Direct Blog

Pressing reboot on 2018: What small businesses need to know about financing in 2019

anthony.roberts@eclipx.com (Anthony Roberts) — Wed, 20 Feb 2019 23:05:14 GMT

What’s changed over the last 12 months in the world of SME funding – and what should small businesses look out for in 2019? Anthony Roberts, Managing Director of equipment finance specialist Eclipx Commercial, investigates.

Addressing the three common cashflow challenges

anthony.roberts@eclipx.com (Anthony Roberts) — Wed, 03 Oct 2018 03:47:12 GMT

Apparently, poor cashflow management and understanding is a contributing factor in 82 per cent of small businesses failures. And last year, almost half of small businesses in Australia were found to have negative cashflows.

How to prepare your SMB for IFRS16: the new lease and rental regulations

anthony.roberts@eclipx.com (Anthony Roberts) — Fri, 21 Sep 2018 06:06:00 GMT

Recent changes to the rules around the way businesses lease products could impact your small or medium business. The new ruling, known as IFRS16, is designed to increase balance sheet transparency by more accurately reflecting the use of leases and asset finance and comes into effect January 2019. Is your business ready?

Is the cost of medical equipment making you sick?

John Russell — Thu, 20 Sep 2018 06:10:00 GMT

Six questions to ask yourself when considering equipment financing

When it comes to financing medical equipment, there’s one question that needs answering above all others: “What is the useful life of this equipment?”.

Getting finance right is all about matching the structure of the asset to the structure of the finance – which means understanding when it would be better to buy and when to lease, as well as the structure of your lease and its effect on your practice’s bottom line.

Funding your business, facilitating your growth

anthony.roberts@eclipx.com (Anthony Roberts) — Tue, 18 Sep 2018 06:11:00 GMT

Getting the capital structure right is crucial.

Don’t make your life any harder than it has to be.

Getting the mix of debt, equity and asset finance right, or in other words, optimising your capital structure, will make a substantial, and potentially critical, difference to the success of your business.

The golden rules for balancing capital structure

anthony.roberts@eclipx.com (Anthony Roberts) — Thu, 23 Aug 2018 06:09:00 GMT

In Inside Small Business, Anthony Roberts writes that cashflow keeps a lot of SMEs up at night - which is what makes optimising their capital structure so key.

Capital structure is the mix of debt, equity and asset finance that is used to fund a business - and can make a huge difference to the sustainability and success of a business.

Setting up a business: 6 things to consider

anthony.roberts@eclipx.com (Anthony Roberts) — Mon, 09 Jul 2018 06:13:00 GMT

Transitioning from employee to business owner

Whilst there is a multitude of reference material available from small business and government websites (e.g. business.gov.au), the decision to make the change from a Pay As You Go employee career to a business owner can be quite a project. Like all projects, the initial success of the business can be influenced heavily by good planning, good advice, having access to experienced sponsors and limiting the number of unknowns.

3 common reasons businesses face cash flow problems (and how asset finance can help)

anthony.roberts@eclipx.com (Anthony Roberts) — Mon, 09 Jul 2018 06:12:00 GMT

Even with strong sales revenue, long accounts receivable terms means you are being treated like a bank which offers interest free loans. Consequently, most small to medium businesses understand that well managed cash flow makes the difference between just surviving and really thriving. So, with short-term cash flow being the number one reason cited for accessing financing, and access to finance the most common barrier to innovation according to ABS data, a successful business needs to manage cash flow tightly and leverage it for growth. To help ensure your business falls into the “thriving” category, here are the most common reasons you might be experiencing cash flow difficulties and how asset financing can help.

New year, new growth goals for your healthcare/fitness business? Having the right equipment can be a huge assist

John Russell — Mon, 09 Jul 2018 05:49:00 GMT

Desperately seeking business growth?
If you are an allied health or fitness business, asset finance could be the answer.

Traditional financial institutions, like banks, are often not small business friendly. They don't understand it, they see it as intrinsically risky, and without a track record of profitability, they are unwilling (and unlikely) to lend money or finance equipment. And if you have the added challenge of being a start-up, you may be finding that access to the finance you need is holding you back.

Flexibility, reliability and trust: Non-bank lenders take on the big banks

anthony.roberts@eclipx.com (Anthony Roberts) — Mon, 02 Jul 2018 05:48:00 GMT

Assessing the options in asset finance for medium sized businesses

According to the Australian Government’s Financial System Inquiry, Australia’s two million small and medium sized businesses employ almost 70% of the workforce and are major drivers of economic growth. They account for over half the output of the private sector, and are a significant source of innovation in the economy.