Business Finance

A competitor rings and says they’re getting out. They have customers you already understand. Staff you may want to keep. Equipment that could be useful. A patch of the market you’ve been trying to grow into anyway. The asking price looks achievable. Your first thought might be: “Could we buy them?” The next question should

You have found the business you want to buy. It already has customers. There is equipment included. The seller has given you a price. And now the conversation turns to finance. For someone buying an agricultural contracting business, dairy-related operation, transport business or another established rural enterprise around Terang, the purchase price is only the

The overdraft is nearly at its limit. Payroll is due. Fuel and suppliers still need paying. But when you open the debtor ledger, customers already owe the business $180,000. That is a very different problem from a business that has no revenue coming. For agricultural contractors, transport operators and service businesses around Sheffield and the

The work is profitable. The customer is reliable. The invoice has been raised. But they pay in 45 days. Your fuel supplier does not. Your employees do not. Your subcontractors may not. And the truck, machinery or equipment still needs to keep working while you wait for the customer’s money to arrive. For agricultural contractors,

More land can create an opportunity. It can also create a much larger cash requirement than the purchase price or annual lease suggests. A neighbouring block becomes available. Another farm comes onto the market. There is an opportunity to lease additional country. Or the business has simply reached the point where the existing acreage is

Sometimes the issue is not whether a farming business can pay a supplier. It is what happens to the bank account after it does. Around Deloraine and the wider Meander Valley, farming includes dairy, livestock and cropping enterprises, with irrigation supporting productive agricultural land throughout the district. For those businesses, spring can bring several calls

Opening a new location or refurbishing an existing business can involve far more than buying a few pieces of equipment. There may be flooring, counters, electrical work, plumbing, signage, technology, furniture, commercial equipment, labour and dozens of supplier invoices before the doors are ready to open. That creates a finance problem that isn’t always solved

A business can need $100,000 for completely different reasons. One business may repeatedly need cash for wages and supplier bills while waiting for customers to pay. Another may have a specific $100,000 ATO liability it wants to clear. Another might need $100,000 to open a new location. The amount is the same. The finance requirement

A business owner can have strong sales, reliable customers and plenty of work booked in, yet still feel short of cash every time payroll comes around. That has become more important since Payday Super started on 1 July 2026. Employers now pay super in connection with each payday instead of relying on the previous quarterly

A qualified mechanic in Huonville wants to buy the automotive workshop where he works. He’s been a mechanic for: 16 years. He’s worked at this particular workshop for: seven years. The owner is retiring. The proposed business purchase price is: $295,000. The buyer has: $105,000 in genuine savings. He knows: the customers, the employees, the