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The Valiant blog

Smart business finance tips to help your SME grow.

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Business loans

Choosing an asset finance broker: What matters beyond the rate

The right broker can change which lenders you’re matched with and how your loan is structured.

choosing-an-asset-finance-broker
News

28 Valiant brokers named in Australia's top 100 for asset finance

What this experience can mean when you’re financing your next vehicle or equipment.

valiant-brokers-named-in-elite-broker-ranking-2026
Business loans

Worried you'll be declined? Here's what's behind most knock-backs

Most recorded declines in our data came down to debt, account conduct or loan size, and all three can change.

will-my-business-loan-be-declined
News

Your buffer decides what this hike costs you

Today's RBA rate hike to 4.60% is the fourth this year, meaning small businesses are once again having to rework their prices, supplier terms, and investments.

your-buffer-decides-what-this-hike-costs-you
Business tips

8 things to do before the new no-surcharge rules hit in October

What to check, what to calculate and what to update.

things-to-do-before-new-no-surcharge-rules
News

A bruised credit score isn't the dealbreaker it used to be

Credit score is losing its grip as the make-or-break number.

a-bruised-credit-score-isnt-the-dealbreaker-it-used-to-be
Business loans

Multiple business loans? When refinancing could improve cash flow

As your business evolves, managing multiple repayments and due dates can make your finances harder to predict.

refinance-business-loan
Business loans

Need cash flow fast? Find the right funding option for your business

The right funding option depends on what’s causing your cash flow pressure.

fast-business-funding-options
Business loans

Why was my business loan declined? (and what you can do next)

A declined application often means the lender's criteria didn't line up with your circumstances.

why-was-my-business-loan-declined
Business tips

Small business tax debt hits $35.9 billion. What should business owners do now?

Delaying a tax payment usually doesn't stop the business operating, so it often gets pushed back.

small-business-tax-debt-australia
Business tips

The first 30 days of a new financial year: What strong SMEs do differently

The first 30 days of a new financial year always come with a lot of noise about "fresh starts."

first-30-days-financial-year-smes
Business loans

Invoice finance vs merchant cash advance: Which cash flow solution fits your business?

Where each option works well and how to decide which one actually fits the way your cash flow operates.

invoice-finance-vs-merchant-cash-advance
Business loans

Overdraft vs line of credit: Which funding option suits your business?

They behave very differently and choosing the wrong one will quietly drain money over time.

overdraft-vs-line-of-credit
Business tips

From retail to trades: How could payday super impact your industry?

Ultimately, how much pressure payday super creates comes down to how long money takes to arrive after work is completed.

how-could-payday-super-impact-your-industry
Business tips

EOFY cash flow pressure: How to get invoices paid before 30 June

In June, treating every overdue invoice the same way slows everything down.

how-to-get-invoices-paid-before-30-june
Business tips

EOFY 2026: What to do if your cash flow is tight at year-end

If things feel tight right now, the goal isn’t to “push through” it, but to get control of the sequence.

what-to-do-if-cash-flow-is-tight-at-eofy
Business tips

Should your business invest in new equipment before EOFY 2026?

If you were already planning to invest, EOFY can be a good time to pull the trigger.

should-your-business-invest-in-new-equipment-before-eofy
Business tips

What should I prepare financially before EOFY 2026?

Don't let June catch you by surprise.

sme-what-to-prepare-before-eofy
Partners

Industries most exposed to payday super (and how partners can support them)

Every employer will need to adapt, but the impact won’t land evenly across industries.

industries-most-exposed-to-payday-super-and-how-partners-can-support-them
Partners

7 warning signs a client may struggle under payday super

For many businesses payday super won’t create new problems, but expose existing weaknesses.

signs-a-client-may-struggle-under-payday-super
Business tips

How the new trust tax rules could affect small business owners

The first shift is usually subtle: obligations stay the same, but cash timing shifts.

how-the-new-trust-tax-rules-could-affect-small-business-owners
Business tips

Loss carry-back rules are back: What SMEs need to know

Eligible companies could offset current losses against profits from previous years.

loss-carry-back-rules-smes
Business tips

Federal Budget 2026: Winners, losers and the big shifts for SMEs

The Budget doesn't bring a big structural shake-up for SMES, but the small changes stack up.

federal-budget-2026-winners-losers-and-big-shifts-for-smes
Partners

4 Federal Budget changes your SME clients need to know about

Several updates will impact your SME and self-employed clients over the coming years.

federal-budget-changes-your-sme-clients-need-to-know-about
Partners

What we’re seeing across SME lending in 2026

In 2026, SME lending is moving faster, with businesses prioritising flexibility and speed.

what-were-seeing-across-sme-lending-in-2026
Business tips

Instant asset write-off is now permanent: Here's what that means for SMEs

Removing annual extension uncertainty makes it easier to plan equipment purchases.

instant-asset-write-off-permanent
Business tips

75 SMEs reveal the biggest cost pressures hitting Aussie businesses right now

The biggest cost pressures facing SMEs right now are concentrated in essential operating costs.

smes-biggest-cost-pressures-australia
Business tips

Late-paying clients? Here’s how to keep super on time

Under payday super, late customer payments could become a much bigger cash flow problem.

late-paying-clients-super-on-time
Business tips

Rising inflation in 2026: What SMEs need to know about cash flow and finance

Inflation jumped to 4.6%. What does that mean for SMEs?

rising-inflation-2026-what-smes-need-to-know-about-cash-flow-and-finance
Partners

ATO pressure is rising: What accountants should watch in 2026

For a while there, the ATO gave everyone a bit of breathing room. But in 2026, that era is over.

ato-pressure-is-rising-what-accountants-should-watch-in-2026
Partners

How Alissa Childs built Two Birds, One Loan around family life

When Alissa Childs co-founded, she was building a business that actually fit her life, not the other way around.

valiant-partner-stories-alissa-childs
Business loans

Payroll and super coming up but cash flow is tight? Here are your options

There are some expenses SMEs just can’t skip, and payroll is a big one.

business-loans-for-payroll-and-super
Business tips

Beyond EVs: 7 ways businesses can reduce fuel costs today

You don’t need a brand-new fleet to see a change.

ways-to-reduce-fuel-costs
News

Australia’s small businesses are heading towards a cash flow perfect storm

Australian SMEs may be heading into one of the most challenging cash flow environments in years.

australias-small-businesses-are-heading-towards-a-cash-flow-perfect-storm
Business tips

What happens if you miss a super payment?

The short answer: it triggers additional reporting requirements and penalties through the ATO.

what-happens-if-you-miss-a-super-payment
Business tips

Why going electric makes sense for your business in 2026

Rising fuel costs are giving many Aussie business owners a headache.

business-evs-saving-on-fuel-2026
News

RBA interest rates 2026: How SMEs should respond to 4.60%

In 2025, the RBA gave us some breathing room with three rate cuts, but 2026 kicked off with a change in direction.

rba-2026-rate-moves
News

33% of SMEs wait 14–30 days to get paid: What that means for cash flow

Here’s how to navigate the gaps between sending an invoice and receiving funds.

australian-sme-invoice-payment-gaps
Business loans

How to compare business loan options in Australia

Finding the right business loan can feel like taking on a second full-time job. Here’s how to make sense of it all.

how-to-compare-business-loan-options-in-australia
Partners

How Ben White built a legacy and now coaches the next gen of brokers

When it comes to living the full broker journey, few stories are as inspiring as Ben White’s.

partner-stories-fyi-business-coaching
Business tips

How to build a payday super-proof cash buffer

With a buffer, you won’t be caught off guard because you know upcoming super is covered.

how-to-build-payday-super-cash-buffer
Partners

Payday super is coming: How to help your clients navigate the shift

For partners, payday super is a conversation starter, particularly around cash flow and funding strategies.

how-to-help-your-clients-navigate-payday-super
News

43% of women say gender affects access to finance: How we can close the gap

We surveyed Australian business owners about the barriers that shape their borrowing decisions.

gender-gap-in-business-lending
Business tips

What does payday super really mean for my cash flow?

Starting 1 July 2026, the way you pay superannuation guarantee (SG) is changing.

payday-super-cash-flow
Partners

How accountants can support commercial lending (without crossing lines)

With the right approach and the right support, you can guide clients toward commercial lending solutions.

how-accountants-can-support-commercial-lending
Business loans

How fast can you get a business loan in Australia?

It depends on who you go to, how prepared you are, and what type of loan you’re applying for.

how-fast-can-you-get-a-business-loan-in-australia
Business loans

Business finance broker vs going to your bank: which is better?

An honest comparison of going direct to your bank vs using a broker, and what to check before choosing.

should-you-apply-for-a-business-loan-yourself-or-use-valiant
Business tips

How should SMEs forecast super to avoid payroll stress?

With a little planning, you can stay ahead of obligations and keep cash flow steady.

how-to-forecast-superannuation-obligations
Partners

How Victoria Coster built a credit repair business that truly makes a difference

Victoria's mission is simple yet powerful: to help people transform their lives.

partner-stories-creditfix-solutions
Business tips

ATO debt & GIC in 2026: What every business owner needs to know

Running a business is rewarding, but managing taxes can be a juggling act.

ato-debt-gic-in-2026

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Business tips

Why cash flow could feel tighter for SMEs this Christmas

Higher rates and new super rules are changing the maths this Christmas.

Read more
heres-how-to-keep-cash-flow-steady-during-tighter-christmas-season
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Business tips

Get your cash flow ready for Black Friday and the holiday rush

A little planning now means fewer surprises in January.

Read more
holiday-cash-flow
A person typing on a laptop
Business loans

Worried you'll be declined? Here's what's behind most knock-backs

Most recorded declines in our data came down to debt, account conduct or loan size, and all three can change.

Read more
will-my-business-loan-be-declined

Business loans

Practical guides to help you fund your business with confidence.

Man sitting at a desk using a laptop, focused on work, with potted plants and a notepad, in a modern office setting related to business finance.
Business loans

Business finance broker vs going to your bank: which is better?

An honest comparison of going direct to your bank vs using a broker, and what to check before choosing.

Read more
should-you-apply-for-a-business-loan-yourself-or-use-valiant
A person typing on a laptop
Business loans

Worried you'll be declined? Here's what's behind most knock-backs

Most recorded declines in our data came down to debt, account conduct or loan size, and all three can change.

Read more
will-my-business-loan-be-declined
A casually dressed finance broker speaking on the phone at a desk in a bright, relaxed home office, with a notebook and laptop nearby.
Business loans

Choosing an asset finance broker: What matters beyond the rate

The right broker can change which lenders you’re matched with and how your loan is structured.

Read more
choosing-an-asset-finance-broker
View all

Business tips

Actionable tips to help you grow and future-proof your business.

Man in grey crew neck t-shirt smiling at woman at store counter, engaging in a transaction with a smartphone, reflecting customer service and retail interaction.
Business tips

Why cash flow could feel tighter for SMEs this Christmas

Higher rates and new super rules are changing the maths this Christmas.

Read more
heres-how-to-keep-cash-flow-steady-during-tighter-christmas-season
A Woman Looking at Clothes Hanging in the Rack
Business tips

Get your cash flow ready for Black Friday and the holiday rush

A little planning now means fewer surprises in January.

Read more
holiday-cash-flow
A woman in a grey suit smiles with arms crossed.
Business tips

Small business tax debt hits $35.9 billion. What should business owners do now?

Delaying a tax payment usually doesn't stop the business operating, so it often gets pushed back.

Read more
small-business-tax-debt-australia
View all

News

Company milestones and industry news, all in one place.

News

A bruised credit score isn't the dealbreaker it used to be

Credit score is losing its grip as the make-or-break number.

Read more
a-bruised-credit-score-isnt-the-dealbreaker-it-used-to-be
Man in workshop smiling and looking at smartphone, surrounded by wooden materials, illustrating positive engagement with technology for SMEs.
News

33% of SMEs wait 14–30 days to get paid: What that means for cash flow

Here’s how to navigate the gaps between sending an invoice and receiving funds.

Read more
australian-sme-invoice-payment-gaps
Group of women collaborating around a table, discussing project details, with one woman presenting information on a board, reflecting teamwork and empowerment in a business setting.
News

43% of women say gender affects access to finance: How we can close the gap

We surveyed Australian business owners about the barriers that shape their borrowing decisions.

Read more
gender-gap-in-business-lending
View all

Case studies

Real stories from real businesses—how funding helped them grow.

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Case studies

Can you get a business loan with bad credit? A hair salon owner did

Bad credit? Unsecured financing is still possible. Here's how we helped a small business do the 'impossible.'

Read more
hair-salon-owner-with-credit-issues-approved-for-unsecured-loan-of-35k
Car side mirror
Case studies

How a small business got an unsecured truck loan fast

The owner of a removalist company needed a financial boost to pay the registration and complete some maintenance work on a truck.

Read more
case-study-unsecured-loan-to-repair-and-register-a-removal-truck
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Case studies

How Pop Gaming secured a $50K business loan to grow

After years of working in business development and management, Vicky Mezzapesa, owner of Pop Gaming, decided to start her own business.

Read more
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Partners

Expert insights and trends to help you add value and grow.

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Partners

Proactive partnering: How to prepare clients for seasonal cash flow swings

By preparing your clients in advance, you can help them turn seasonal surges into real growth.

Read more
how-to-prepare-clients-for-seasonal-cash-flow-swings
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Partners

A quick checklist to help clients get the right funding

With so many loan types, lender requirements, and complex paperwork, it’s easy for clients to feel overwhelmed.

Read more
a-quick-checklist-to-help-clients-get-the-right-funding
Two professionals collaborating at a laptop, with one woman holding glasses and focusing intently on the screen, illustrating teamwork in business finance decision-making.
Partners

Objection handling guide: The ARC framework

Learn how to handle objections using the ARC framework and step through a library of real-world experiences.

Read more
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