Most finance commentary tells you what happened. These articles focus on what it means for your loan, your business and your next decision, written by JB Fremy from two decades spent across divers industry, technology teams and operating businesses.
Rapid growth can break a profitable SME if structure, funding and systems lag behind. Learn the key warning signs and how to grow safely in Australia's 2026 landscape.
Payday Super starts 1 July 2026. In plain terms, it means super moves from a quarterly task to a payday task. Every time you run payroll, you will need to make a super contribution for eligible employees, and those contributions must be received by, and able to be allocated by, the employee's super fund within 7 business days after payday.
You open your profit and loss statement and it looks healthy. Then you check the bank balance and it feels tight. If that sounds familiar, you are in good company.
Why Profitable SMEs Get Rejected by Banks | JBF Solutions
From home loans to asset finance, discover six ways a licensed broker can save you time, money and paperwork versus going direct to a lender.
Many Australian SMEs do not fail because the business model is unprofitable. They fail because cash timing and cash certainty break down, and the business cannot meet obligations when they fall due, even while the profit and loss statement still looks healthy.
Every RBA cash rate announcement flows through to variable rates, fixed-rate pricing, serviceability and borrowing power — but not always the way the headlines suggest. JB Fremy explains the mechanics, and what's actually worth reviewing after each decision.
On 3 February 2026, the Reserve Bank of Australia (RBA) increased the cash rate target by 0.25 to 3.85. In plain terms, the cost of money has risen again, and many lenders are already passing that increase through to variable business lending products.
From home loans to asset finance, discover six ways a licensed broker can save you time, money and paperwork versus going direct to a lender.
RBA rate updates, lending tips, business finance insights and practical SME advice, delivered when relevant, not on a rigid schedule.
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JB Fremy is the founder of JBF Solutions, with more than two decades of experience in finance, technology and business operations. All articles on this blog are written by JB and reflect practical, experience-based insights, not generic content. Finance-related articles include relevant disclaimers and are intended as general information only.
Articles provide general insights. A strategy call with JB gives you advice specific to your circumstances, no cost, no obligation.