With summer on the way, it’s not just the temperature that’s rising, so are the conversations business owners are having.

From refinancing and compliance headaches to generational change and the Christmas countdown, we’ve broken down the hot topics for business owners right now. Watch below, or if reading’s more your thing, keep scrolling!

 

 

1. business investment slowing down

 

Business investment activity is still soft. There are fewer business sales, mergers and major equipment purchases on the books.

Whilst R+D spend is also down, the focus has shifted toward productivity, with most investment now going into AI and digital transformation [the practical kind that helps owners streamline and future-proof operations].

As confidence returns, this quieter period could create openings for those ready to move.

 

2. refinancing on the rise

 

With inflation easing and rates stabilising, refinancing is back on the table.

Business owners are less tied to long-term banking relationships these days and more interested in results or a relationship with someone, not locked into one particular bank]. Working with brokers to secure better terms is becoming the norm for those wanting more flexibility and stronger cashflow heading into 2026.

 

3. tightening up debtor management

 

Despite lower inflation, cost pressures remain. Labour, insurance and energy prices continue to squeeze margins.

As a result, we’re having more conversations with owners about working capital, especially the cash locked up in debtors. A few quick wins in debtor management can make a real difference to productivity and ultimately business value [a commonly misunderstood impact of a lazy Balance Sheet].

 

4. property prices

 

Rising property prices are giving many owners a small confidence boost.

For some, it sparks decisions about buying, selling or even helping family get into the market – whether it be for a commercial property to operate out of, for investment purposes or to buy their first home. That feeling of being “a bit wealthier” often translates to renewed business momentum and planning.

 

5. succession + generational change

 

Many long-time business owners are thinking about what’s next… and who’s next.

We’re seeing more people hand over control or capital much earlier than traditionally.  Preparing the next generation to step-up while you can still guide from the sidelines can have a big impact of the future success of a family business.

In business, it’s about continuity, not just an exit at all costs. Outside of business, it can be personally rewarding to share the fruits of your hard work while you can see the impact it has on your family’s lives.

 

6. red tape + compliance overload

 

The list of changes keeps growing; tax rules, payroll compliance, workplace laws, and soon the expanded anti-money laundering regime.

Small business owners, without the luxury of large compliance teams, are feeling stretched. Staying across the essentials and getting advice early is key to staying out of hot water.

 

7. Christmas countdown already on

 

Yes, it’s only spring, but Christmas is already part of the conversation.

Business owners are juggling rosters, cashflow and plans to actually take a break. Whether it’s a sign of burnout or just a long year, it’s a timely reminder to plan ahead… and take time to reset.

 

staying cool

 

There’s plenty happening, but the message is simple: think ahead.

Whether it’s improving cashflow, planning for succession or staying compliant, taking action now sets you up for a stronger end to 2025 and start of 2026.

If any of these topics are on your mind, reach out to your usual contact in the team, email oneplace@businessdepot.com.au or give us a buzz on 1300 BDEPOT.

 

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