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Tips for managing your Small Business Finances

Tips for managing your Small Business Finances

Mastering the art of managing the finances of your small business is not easy, and that’s why we have prepared for you several tips that might be helpful. 1. Devise and revise your financial goals and targets Make sure you and your team are always working towards a goal. Be

Are You Eligible for the Upcoming Small Business Tax Cuts?

Discover if you qualify for the upcoming small business tax cuts. Get insights on eligibility criteria and maximise your savings at Geared.

Is Australia Different?

In September, the RBA decided to raise the cash rate by a further half percentage point (taking it to 2.35%). It was only in April that the cash rate was 0.1% so the move up has been rapid-fire. The reasons for the aggressive shift in policy are well known:

Housing Market Update: More To Go

Stay informed with the latest housing market update. Explore insights on house prices, trends, and projections with Geared.

Economic Update: We Haven’t Heard the Last of the Good News

Stay informed on the latest economic update. Discover surprising GDP growth, strong sectors, and potential risks. Get insights at Geared.

Interest Rates - What History Can Tell Us

Going into the May RBA Board meeting, economists thought the three possible scenarios were possible: no move, a 0.15 rise or a 0.4 percentage point hike. Financial Markets were fully priced for a 0.15 percentage point move. By moving by 0.25 percentage points (to 0.35%) the RBA obviously wanted

How renewable energy gives your business a competitive advantage

Gain a competitive edge with renewable energy for your business. Discover cost-saving solutions and government incentives with our experts.

National wages up from their 2020 lows

The September quarter wages data was for financial markets the most eagerly anticipated piece of economic data for the remainder of 2021. That is because the RBA made it clear that for interest rates to rise they would need to be satisfied that inflation will sustainably be 2-3%. And

Overcoming the unique challenges facing businesses this holiday season

As many businesses recommence full operations and begin preparations for the Christmas period, the impact of global supply chain disruptions means order fulfilment -the ability to meet customer demand - will require businesses to be agile and prepared for a multitude of scenarios Retailers, wholesalers and dealerships in all industries

Riding the second wave: The economic effects of Delta

The COVID news in a number of the states (and territories) over the past few weeks hasn't been good. The overseas experience suggests that at some stage we would be confronted with another virus 'wave'. Almost all countries in the OECD have been hit by at least 3

Update: Victorian Government's $3 Billion Business Survival & Adaptation Package

Get the latest update on the Victorian Government's $3 billion business survival and adaptation package to support your business. Learn more.

Buying a Competitor: How to Fund a Business Acquisition

Organic growth is great, but it’s slow. Acquiring a competitor, a supplier, or a complementary business allows you to double your revenue overnight.

The Supply Chain Cash Crunch: Mastering Trade Finance

You’ve landed a massive contract with a national retailer. Congratulations! Now comes the panic. You need to manufacture or import the stock now, but your customer won’t pay you for 90 days.

Rent or Buy: The Commercial Property Dilemma in 2026

It’s the ultimate business dream: owning your own premises. No more rent inspections, no more lease renegotiations, and the freedom to fit out the space exactly how you want.

Cybersecurity & Data Protection: The Hidden Cost of Doing Business

If thieves broke into your warehouse and stole $100,000 of stock, you’d claim insurance and upgrade your locks. But what if a hacker locks your servers and demands a ransom?

The Electric Fleet Transition: Is 2026 the Year You Switch?

For years, the "EV vs. Diesel" debate for commercial fleets was theoretical. The range wasn't there, charging was a nightmare, and viable work utes didn't exist.

Financing the Switch to Commercial Solar & Batteries

If you run a manufacturing plant, a logistics depot, or even a large-format office, you know the pain of opening your electricity bill. While wholesale energy prices have stabilised slightly since the peaks of 2024, network charges and peak demand tariffs in 2026 remain a massive, volatile overhead for Australian businesses.

Serving Up Success: A Guide to Financing Your Next Cafe or Restaurant Fit-Out

In the hyper-competitive hospitality world, ambiance and efficiency are everything. You can have the best coffee beans and a world-class chef, but if your cafe is cramped, your kitchen is inefficient, and your atmosphere is forgettable, you’re starting on the back foot.

Uncomplicate Your Finances: When Does Business Debt Consolidation Make Sense?

As a business grows, it’s natural to accumulate different types of debt. You might have a loan for the company ute, another for a piece of machinery, a line of credit for cash flow, and a few credit cards for day-to-day expenses.

Is Your Business Financially Fit? A 10-Point Health Check for Peace of Mind

As a business owner, you're constantly busy. You’re managing staff, serving customers, and planning your next move. It’s easy to fall into the habit of judging your business's health by a single metric: the number in your bank account.

Beyond the Rate: A Business Owner’s Guide to Smart Borrowing

Every business owner reaches a crossroads where an injection of capital is the key to unlocking the next stage of growth. It could be the moment you decide to purchase a new piece of machinery that doubles your output, expand your team, or finally launch that marketing campaign you’ve been dreaming of.

Brewing Success with Ottimo Coffee – A 15-Year Journey of Passion and Partnership

Ottimo Coffee stands as a shining example of a business fueled by passion, dedication, and strong partnerships. The 15-year journey is not just a testament to the excellence of their coffee but also to the power of collaboration and choosing the right allies in

Don’t take our word for it! Hear it from our customers.

Stomping Ground Brewing Co.
I have been working with Geared Finance for over 10 years. During this time, they have helped us with our equipment finance needs and have been a pleasure to deal with. The team is responsive, fast, and easy to work with. They go above and beyond, even liaising with suppliers to streamline the process.
Guy Greenstone
Guy Greenstone
Stomping Ground Brewing Co.
Guy Greenstone
Stomping Ground Brewing Co.
Guy Greenstone
Sodexo
We have been working with Geared Finance for the past 4 years and always found their service attentive and prompt. Geared provides a high level of customer service and works with us to create bespoke solutions that suit our business. They are always professional, supportive, and ready to assist.
Sandra Giannakopoulos
Sandra Giannakopoulos
Sodexo
Sandra Giannakopoulos
Sodexo
Sandra Giannakopoulos
Fabulous Catering
Geared Finance has supported our business in many ways. From equipment and solar to software and vehicles, they offer solutions across the board. With competitive rates and fast service, they provide advice and experience that help our business grow. We’re proud to be a loyal client of Geared Finance.
Adam Pope
Adam Pope
Fabulous Catering
Adam Pope
Fabulous Catering
Adam Pope
Alphington Grammar School
Geared Asset Finance has financed our school’s IT equipment over the years. As a school, we need flexibility and an understanding of financial cycles, which they provide. Their support and service are reliable, and we’ve always felt confident working with them. We highly recommend them to others.
Manuel Pappos
Manuel Pappos
Alphington Grammar School
Manuel Pappos
Alphington Grammar School
Manuel Pappos
Geelong Collision Care
The team at Geared Asset Finance has been phenomenal. They handle our business finances from start to finish and are always available to help. Their long-term support has made a real difference to us. We’ve trusted them for years, and we’re sure we’ll continue to work with them well into the future.
Mark Clarke
Mark Clarke
Geelong Collision Care
Mark Clarke
Geelong Collision Care
Mark Clarke