Speaking Finance Melbourne

08/09/2026

One thing I don’t think gets talked about enough…

Being a business owner can be bloody lonely.

Not because you don’t have people around you.

You might have great staff, clients, suppliers and referral partners — but sometimes you’re still the only person carrying the weight of the decisions that need to be made.

And business owners aren’t exactly great at stopping either. 😂

We hit one target, chase the next opportunity, solve the next problem… and immediately start looking at the next mountain.

I started my business about six months before COVID, so I learned pretty quickly that the rulebook can change without much warning.

One thing I’ve become much better at is occasionally stopping and asking:

“Hang on… how far have we actually come?”

Find other business owners you can talk to. 🤝
Celebrate some of the wins. 👏
And every now and then, give yourself a bit of credit.

Because building a business is bloody hard.

We spend so much time staring at the mountain in front of us…

Sometimes it’s worth turning around and looking at how far we’ve already climbed. 👊

🎥 I talk about one simple calendar trick in the video that helps me do exactly that.

07/09/2026

There’s an old plumber story I love to tell - Ask anyone and they would've heard me tell it many times. 🔧 A bloke’s at home, the toilet’s blocked, the pipes are cooked and things are starting to get… pretty bloody urgent. 💩 He calls a plumber, who walks in, looks around for two minutes, pulls out a wrench and gives one particular spot a tiny tap. Problem solved.

The plumber hands him the bill: $300. The customer looks at him like he’s just been robbed in broad daylight. 😳 “$300?! You were here for two minutes and all you did was tap a pipe!”

The plumber says: “Correct. The tap was free. The $300 is because it took me 15 years to learn which pipe to tap, where to tap it, how hard to hit it and which wrench to use.” 😂 And that’s the bit people sometimes forget when they’re paying for professional advice.

Finance is exactly the same. 💰 Sometimes a good broker might look at a deal and know within 10 minutes which lender is likely to approve it, how it needs to be structured and which lenders you shouldn’t waste an enquiry with. You’re not paying for the 10 minutes. You’re benefiting from the years spent learning lender policy, making mistakes, solving difficult deals and knowing exactly where to tap.

🎯 Because in finance, hitting the wrong pipe can be a hell of a lot more expensive than calling the plumber. 😂

24/07/2026

Did you Know....

From 1 July 2025, ATO interest charges like GIC and SIC were made no longer tax deductible. That means tax debt is not just a compliance issue, it can place even more pressure on business cash flow when funds are already being stretched across wages, super, suppliers, and day-to-day operating costs.

The ATO is also taking firmer action on unpaid debts, including garnishee notices, Director Penalty Notices, and legal recovery.

In addition, significant tax debt can make it harder to access finance unless there is a clear plan in place and regular repayments being made.

At Speaking Finance, we help businesses put structure around cash flow pressure with financial solutions tailored to their needs.

So, if tax debt is starting to affect your cash flow, now is the time to act early and get expert guidance.

23/07/2026

With super now paid at the same time as wages, many businesses are feeling added pressure on day-to-day cash flow.

For small business owners, that can mean tighter payroll cycles, less flexibility, and more stress when other operating costs fall due at the same time.

At Speaking Finance, we help businesses manage that pressure with smarter financial solutions tailored to their needs. Whether it is equipment finance, business loans, or funding that helps smooth working capital, our team can help you find a structure that supports cash flow without slowing down growth.

The right finance strategy can help you stay current with obligations, preserve working capital, and keep your business moving with confidence. If these changes are putting pressure on your cash flow, we are here to help with expert guidance and a free consultation.

03/07/2026

Financing your next business vehicle? Here's why a broker beats going it alone.

Buying a vehicle for your business shouldn't mean guessing your way through lender policies, paperwork, and fine print.

An asset finance broker does the heavy lifting for you:

• Saves you time, your most valuable asset

• Compares multiple lenders instead of relying on just one bank

• Finds flexible loan options built for business

• Works around less-than-perfect credit history

• Matches funding to your actual business goals

Every lender has different rules. Having someone who knows them all, and knows how to compare them, can be the difference between an average deal and the right one.

We've put together a full guide on using asset finance brokers for vehicle loans, covering everything from lender selection to understanding your options.

Read it here: https://speakingfinance.com.au/business-finance-how-to-use-asset-finance-brokers-for-vehicle-loans/

01/07/2026

🎉 We're excited to announce that Speaking Finance is expanding and looking for a dynamic and relationship-focused Business Development Manager to join our team. 🎉

If you have a passion for building authentic relationships, enjoy networking, and are eager to create new business opportunities while being rewarded for your achievements, we want to hear from you.

This role is not your typical BDM position.
You will be actively involved in the community, building strategic partnerships, attending networking events, leading client and community initiatives, and assisting Australians in accessing the right finance solutions.

What we offer:
• Competitive base salary
• Uncapped commission
• Car allowance
• Business expenses covered
• A supportive team and positive culture
• Genuine career progression within a growing finance brokerage

If you're ready to advance your career, apply now via SEEK:
https://au.seek.com/job/93045848?ref=cm-ui

If you know someone who would be a great fit, feel free to tag them or share this post with your network.

Drive business growth, build lasting partnerships and enjoy uncapped commission with a growing finance brokerage.

22/06/2026

Want to save money and safeguard your Working Capital??

Insurance renewals are landing in inboxes and large upfront premiums can put unnecessary pressure on your cash flow.

Insurance Premium Funding lets you spread the cost, keep your cash working for your business, and even save 5% on upfront payment.

We can assist with the funding and with low doc options available, we're here to make the process simple.

If you'd like to explore your options, get in touch with the team at Speaking Finance

18/06/2026

At Speaking Finance, we believe that creating better futures goes beyond finance—it means investing in our communities and the next generation.

Tonight, our own Steven Emms will be spending an evening behind bars at Pentridge Prison as part of the Big Brothers Big Sisters Australia – Bail Out 2026 fundraiser.

While it's only for one night, the event is designed to raise awareness of the challenges many young people face and the incredible impact that mentoring can have on changing lives.

One statistic really puts it into perspective:
It costs approximately $3,635 per day to keep a young person in detention, compared to just $9.78 per day to provide a young person with a volunteer mentor.

We're proud to support an initiative that focuses on prevention, guidance and opportunity. Every dollar raised helps connect young people with mentors who can make a lasting difference.

Donate here:
https://lnkd.in/gh7zDSAC

Your generosity, no matter the amount, will help make a real difference in the lives of local young people. Thank you for your support.

hashtag hashtag hashtag hashtag hashtag hashtag

11/06/2026

It's that time of year again…

Insurance renewals are landing in inboxes and large upfront premiums can put unnecessary pressure on your cash flow.

Insurance Premium Funding lets you spread the cost, keep your cash working for your business, and even save 5% on upfront payment.

We can assist with the funding and with low doc options available, we're here to make the process simple.

If you'd like to explore your options, get in touch with the team at Speaking Finance

09/06/2026

⏰ Last chance to register!

If you're a business owner ready to scale, tomorrow morning is one you don't want to miss.

Join us for Capital Meets Capability — a complimentary breakfast seminar hosted at Brunetti's Carlton, 380 Lygon St.

📅 Thursday, June 11

🕗 8:00 am – 9:30 am

📍 Brunetti's Carlton, Carlton VIC 3053

Our panel — Dianne Semmens from Acacia Consulting Services and Steven Emms from Speaking Finance — will be sharing exclusive insights on finance needs and ERP solutions to help you grow smarter and faster.

Contact us on 03 9075 0050 or Reserve your place today 👇

📧 [email protected]