15/10/2026
Interest rates have already risen three times this year. Could your business comfortably handle another increase?
The Reserve Bank of Australia (RBA) has three cash rate decisions remaining in 2026, so another increase remains a possibility.
With underlying inflation still above the RBA’s 2–3% target range, and demand and consumer spending remaining relatively resilient, businesses with variable-rate debt should be thinking about what higher borrowing costs could mean for them.
Prepare rather than predict
No business owner can know exactly what the RBA will do next.
But you can work out what another rate increase would mean for your business.
That could involve:
Stress-testing loan repayments at a higher interest rate
Checking how much breathing room you have in your cash flow
Reviewing your existing loans and their current structure
Considering whether your current finance arrangements still suit the business
The goal isn’t to make changes simply because rates might rise.
It’s to make sure you’re not caught off guard if they do.
If higher repayments could put pressure on your business, I can review your existing finance arrangements and explore whether a different structure may be more suitable — helping you manage borrowing costs while protecting cash flow.
solutions
