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Empowering SMEs

How to say 'Adios' to your Bank Loans & Guarantees

Issue 030

How often do you have people telling you how lucky you are that you own your own business? If only they knew the half of it! Most small and medium sized businesses these days are heavily supported by bank loans or overdrafts. Then, there are always those times, when being in business feels like you’re living inside a pressure cooker. You know what it’s like. Customers put the squeeze...

Getting Pressured to Repay "Bank of Mum and Dad" Loans?

Issue 029

A recent report by the Australian government’s Small Business Ombudsman, Kate Carnell, indicated that more than 25% of small and medium enterprise loans are being funded by the parents of small and medium enterprise owners. The “Bank of Mum and Dad” is being forced to fund a significant amount of the loans to small and medium enterprises because of the credit crunch which has been...

15 Step Checklist for Crowd Sourced Funding Equity Raising

Issue 028

Are you a naturally sceptical person? Most of us are a little, I guess, especially when we hear about new ideas involving access to money. Well, Crowd Sourced Funding Equity Raising isn’t a scam or a ‘get rich quick’ scheme, and it’s not ‘crowdfunding’ that we hear so much about on social media. 'Crowdfunding' is when people are asked to donate money to a worthy cause, like a...

Crowd Sourced Funding Can Assist "Scaling Up"

Issue 027

Doesn’t it really‘frost your cookies’  that medium-sized business always seems to get left out of the most important decisions? Well, as it turns out, the sector has finally scored a big win! Many medium-sized companies will be perfect candidates for a concept that’s going to revolutionise capital raising for Australian business and it’s already underway. This is not a...

A New Concept to Revolutionise SME Businesses!

Issue 026

Every so often, a new concept comes along that completely revolutionises the way we do things in small/medium enterprise businesses. This... is one of those times. As of now, Crowd Sourced Funding Equity Raising for Small Proprietary Companies (group turnover under $25 million per annum, group gross asset value under $25 million, not listed on a stock exchange anywhere in the world) is legal...

What's Your Next Goal?

Issue 025

As the owner of a small/medium sized business, let me ask you what’s your next goal? Do you need funding to lift your company up to the next level, or perhaps you’re thinking about retiring and want to get rid of those personal guarantees on your current loans from your bank. With all the problems circling around the banking sector at the moment, getting a loan for small and medium-sized...

Want To Get A Shark's Advice?

Issue 024

Frustrated with the way your business is performing? Can’t get everyone to see where you want to take your business? Working too many hours for very little reward? Has your team developed the right mindset for selling? Does your team sell with purpose? Does your business create and give value? Is your workplace “safety alert”? Do you employ casual staff? – Have you considered...

What Is Your Next Goal

Issue 023

As the owner of a small or medium size business…Let me ask you…What is your next goal? Do you need funding to lift your company up to the next level, or perhaps you are thinking about retiring and want to get rid of those personal guarantees on your current loans from the bank. With all the problems circling around the banking sector at the moment, getting a loan for small and medium size...

Crowd Sourced Funding Can Help Achieve Goals

Issue 022

What do you want your business to look like in two to three years’ time? You might have developed a new technology or a product through to the prototype stage. What is your goal for two to three years’ time? Would it look something like this? Turnover - $5 million Net profit before tax - $1.5 million External shareholders’ investment - $1 million Current shareholders’...
If you want to grow your business, stay ahead of competitors and offer a wide range of solutions to your clients – solutions that: provide you with “new income streams” – through new businesses; generate a variety of interesting work for your team, resulting in improved team morale, productivity and team retention; enable management to improve their business skills; you will...
By 30th June 2019 company directors/committee members participating in the Corporate Governance Network will have gained new knowledge relative to their duties and responsibilities as directors/committee members together with a better understanding of how the various components of a company/organisation interreact to enhance business performance. If you are a company director/committee member...

Directors - A Positive Culture Is Vital!

Issue 019

Directors - A Positive Culture Is Vital! If you want your company/organisation to be successful, directors/committee members have to embrace the development of a “positive culture”. In this article we have summarised comments made by Andrew Geddes, the recently retired Chairman of Greencross Limited, whilst commenting on Greencross’ journey from a small company (founded by Dr Glen...

Key Taxation Issues!

Issue 018

Directors of SME companies/committee members of not-for-profits, charities, sporting and social organisations need an understanding of taxation matters for the performance of their duties. Some of the key taxation issues that are applicable to this group of people include: Small Business Entity Businesses with an aggregated turnover of less than $10,000,000 can obtain some benefits...

Budgets and Cash Flow Forecasts Help!

Issue 017

Budgets and Cash Flow Forecasts are an intricate part of a sound financial system for every company, business and organisation.  Directors of SME companies and committee members of not-for-profit, charities, sporting and social organisations should have an understanding of the budgeting and cash flow forecast systems that are being utilised in their respective organisations. Budgets...

What 3 things Do You Need to Nail This Quarter

Issue 016

Hello, I’m Peter Towers, Managing Director of ESS Small Business and ESS BIZTOOLS.  Welcome to Empowering SMEs. Directors of SME companies, business operators, committee members of not-for-profits, charities sporting and social organisations need to be able to write these three things down. Have you formulated your plan for the next three months?  If not, let me help you. Could...

Future Proofing is Vital for SME Company Directors

Issue 015

Hello, I’m Peter Towers, Managing Director of ESS Small Business and ESS BIZTOOLS.  Welcome to Empowering SMEs. Creating “future proofing” for a SME company and not-for-profits, charities, sporting and social organisations is an important issue for directors of SME companies and committee members of organisations.  ESS Small Business’ “Corporate Governance Network” is...

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