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Australian SMEs are more polarised than ever about their short-term outlook, with the gap between the most optimistic and pessimistic six-month revenue forecasts hitting an all-time high. The September 2025 edition of ScotPac’s bi-annual SME Growth Index Report reveals that 59% of SMEs expect revenue to rise in the six months to March 2026, forecasting […]
Read moreThe new financial year opens amid geopolitical tensions, a tariff war and an uncertain economic landscape that makes planning difficult. The Reserve Bank of Australia (RBA) says these developments could hurt global economic activity, particularly if households and businesses delay expenditure until there is greater clarity on the outlook. The good news is that inflation […]
Read moreThe gap between the most positive and negative six-month revenue growth forecasts for Australian SMEs has stretched to an astonishing 48 percentage points, from +18% to -30%. The divide – the largest in the 11-year history of ScotPac’s bi-annual SME Growth Index Report – exposes the sharp contrast in SME confidence across borders and business […]
Read moreAustralia’s economy remains resilient despite high interest rates and costs with many small and medium-sized enterprises planning to grow and invest. In its September Financial Stability Assessment, the Reserve Bank of Australia (RBA) notes that budget pressures from high inflation and interest rates continue to be felt across Australia but highlights that the share of […]
Read more90% of Australian SMEs have declared they are open to partnering with a non-bank lender, a remarkable turnaround from 2018 when 44% of SMEs said they would not consider non-bank lending. In the near-term, more than half of those SMEs planning to invest in their business in 2024 will partner with a non-bank lender. This […]
Read moreBy Zilla Efrat Australian businesses faced tough operating conditions in the first quarter of 2024 and can expect little relief this year unless interest rates fall. The NCI Trade Credit Risk Index rose 13 per cent in the first quarter with business insolvencies reaching a record high on the back of marked weakness in the […]
Read moreBy Zilla Efrat ScotPac’s most recent SME Growth Index reveals that four in every five small and medium businesses have a secondary working capital provider, and the proportion with all their lending in one place continues to dwindle. The many benefits of nonbank lending are luring most businesses away from traditional lenders. The research suggests […]
Read moreIn the recent ScotPac SME Growth Index, researchers found that fewer than one in seven Australian small and medium-sized businesses have either implemented AI technology or will soon do so. In contrast, 85% had no plans to use AI soon and 28% knew nothing about it. And more than half of respondents were aware of […]
Read moreBy Zilla Efrat Market conditions remain uncertain as we enter 2024 which means it’s crucial to stay on top of your business’s finances. Here are 10 tips on how to do this. 1. Boost your cash flow Improving your cash flow can free up money to fund growth, ensure you can pay your bills and […]
Read moreKnowing how to manage risk in business is extremely important. In the world of business, uncertainty is a constant companion and the risks facing a business can be unpredictable in both type and impact. Business finance can encompass everything from planning and monitoring of cash flow to controlling financial resources and achieving strategic organisational goals. […]
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