Each week, we distil the most important Australian business stories into a clear, time‑saving wrap. Expect concise headlines, context on policy and regulation, notable industry moves, technology shifts, and trends shaping operations and growth. Designed for owners, entrepreneurs and decision-makers, you’ll get what matters, why it matters, and practical takeaways to act with confidence. A trustworthy, industry‑specific summary you can rely on, delivered consistently and straight to the point.
This Week:
This week: Treasurys trust tax consultation flags a 30% baseline tax for discretionary trusts from July 2028, prompting SMEs to plan for potential restructure and stamp duty costs. Innovators warn proposed R&D Tax Incentive changes could hit refunds and cash flow, so founders should stress‑test runway and consider bridging finance. An EMDG review recommends ending ‘first in, first served and adding AI checks, so exporters should prepare early and treat grants as part of a wider funding mix. And with Payday Super now in effect, some contractor arrangements may still require super; tighten payroll and consider short‑term facilities to smooth cash timing.
EPISODE 2331 | Business Loans Australia Weekly News Briefing | Fri, 10th Jul 2026
11 Jul 2026 | Paige Estritori
00:00:00
00:00:00
1x
Read Full Transcript:
Hello and welcome to Business Loans Australia Weekly News Briefing, Im Paige Estritori, and its Friday, 10 July 2026.
First, the federal government has released a consultation paper on trust tax reform. It proposes a baseline tax of about 30 per cent on discretionary trusts from 1 July 2028, with limited rollover relief to help businesses restructure. Stamp duty isnt addressed, so moving assets could still trigger state costs. If you trade through a trust, speak to your advisers this month, model the cash flow impact, and line up flexible funding so any restructure doesnt stall your growth while rules are finalised.
Next up, deep‑tech and med‑tech groups have warned that proposed changes to the R&D Tax Incentive, or RDTI, could dent cash flow for innovators. Two ideas on the table are limiting refundable offsets to companies under ten years old and narrowing what counts as supporting R&D. If you rely on RDTI refunds, stress‑test your runway now and consider bridging options like working capital or equipment finance to keep projects moving while policy is clarified.
Meanwhile, a review of the Export Market Development Grant, or EMDG, says the scheme should move away from “first in, first served” and consider using AI to assess applications. Industry voices back improvements but worry smaller exporters could miss out if criteria tighten. If exporting is on your roadmap, get your documentation in order early and treat grants as one leg of a broader funding mix, not the only source of cash.
And finally, contractor arrangements are in the spotlight as new superannuation obligations bite from 1 July. Payday Super means super should be paid with each pay run, and some contractor setups may still require super, regardless of ABNs or invoice wording. Tighten payroll processes now and, if timing mismatches create cash gaps, use a short‑term facility with clear, manageable repayments rather than juggling bills.
Thats the wrap. For tailored loan options, flexible terms and fast online applications backed by an independent broker network, head to business-loans.com.au. Im Paige Estritori; thanks for listening, and Ill see you next week.
The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.
Welcome to the world of boating! Whether you've just bought your first boat or are considering making a purchase, it's essential to understand the importance of regular maintenance. Proper upkeep not only extends the life of your boat but also ensures safety while out on the water. - read more
Securing financing is a pivotal step for any startup looking to establish itself and grow. In Australia, the startup lending landscape is buoyant, offering a mix of traditional and innovative financing options. The financial ecosystem is robust yet competitive, and understanding how to navigate it is crucial for new business owners. - read more
Cash flow is the lifeblood of any business, signifying the money that flows in and out of your operations. It's essential for covering daily expenses, paying employees, and capitalizing on growth opportunities. Maintaining a healthy cash flow ensures that a business can meet its obligations and invest in its future. - read more
In the entrepreneurial world, securing the right type of financing can be the catalyst for substantial business growth and success. Commercial property financing in Australia encompasses a range of options tailored to meet the diverse needs of businesses, each with its own set of advantages and intricacies. This article delves into the heart of strategic financing, providing Aussie entrepreneurs with guidance on navigating this vital aspect of their business ventures. - read more
For many Australian entrepreneurs, a business loan is a vital step towards achieving growth and success. Access to capital can fuel expansion, help manage cash flow, and provide the necessary resources to capitalize on new opportunities. However, navigating the journey from application to approval, and eventually, to expansion, presents its own set of challenges. - read more
When it comes to starting or expanding a business in Australia, securing funding is often a top priority. However, traditional funding options, such as bank loans or government grants, can be difficult to obtain for small businesses. - read more
In the ever-evolving landscape of Australian business, equipment leasing has emerged as a pivotal financial tool for companies across the spectrum. Whether you're a small start-up or a well-established corporation, the agility to pivot and adapt to market changes is critical. This introduction seeks to shed light on the concept of equipment leasing and its significance in bolstering the operational efficiency of Australian businesses. - read more
Australian small businesses may soon face a more disciplined tax debt collection environment, after the Australian National Audit Office found the ATO needs clearer targets for reducing collectable small business debt. The issue is substantial: small business collectable tax debt stood at $35.9 billion in 2024-25, representing about two-thirds of total collectable tax debt. - read more
Australian small businesses are showing another sign of financial strain, with commercial credit card debt reaching a record level at the end of June. New analysis from Credit 2024 and Primara Research indicates total commercial card debt has climbed to about $2.26 billion, with almost a quarter of that sitting in high-interest balances rather than being cleared quickly. - read more
The Reserve Bank of Australia’s decision on 16 June 2026 to leave the cash rate unchanged at 4.35% marks the first pause after three consecutive increases this year. For Australian business owners, the hold is not exactly relief, but it does create a short window to review debt settings before the next policy move. - read more
In a significant ruling, the Federal Court has imposed a $7 million fine on Cigno Australia and BSF Solutions for operating an illegal payday lending scheme that contravened Australian credit laws. Each company has been ordered to pay $3 million, while their respective directors, Mark Swanepoel and Brenton Harrison, have been fined $500,000 each. - read more
In April 2026, the Australia and New Zealand Banking Group (ANZ) achieved the highest monthly growth in business lending among the nation's major banks. According to the Australian Prudential Regulation Authority (APRA), ANZ's business lending portfolio increased by $1.9 billion, reaching a total of $152.9 billion, marking a 1.24% growth for the month. - read more
Recent data from non-bank lender Banjo Loans indicates a decline in borrowing activity among Australian small and medium-sized enterprises (SMEs) during the final quarter of 2025. The Banjo Barometer for Q2 FY26 reports a 5% decrease in SME loan applications, following a 14% spike in the previous quarter. - read more
Non-bank lenders are urging the Australian government to include them in the $1 billion Economic Resilience Program, emphasizing their crucial role in providing financing to small and medium-sized enterprises (SMEs). This program aims to bolster businesses affected by economic challenges, and non-bank lenders argue that their participation would enhance the program's effectiveness. - read more
