ICS Business & Finance

ICS Business & Finance Consultants and brokers assisting businesses and individuals with their financial needs.

24/06/2026

Choosing the right finance broker is just as important as choosing the right finance product. Here are 5 red flags to watch out for.

🚩 They only ever suggest one lender. A good broker has access to a wide network. If they're always pointing you to the same place, ask why.

🚩 They rush you to sign. Pressure to move fast without giving you time to understand what you're agreeing to is never a good sign.

🚩 They can't clearly explain the fees. You should always know exactly what you're paying and why. Vague answers around costs are a warning sign.

🚩 They disappear after the deal is done. A great broker builds a long-term relationship, not just a one-time transaction.

🚩 They don't ask enough questions about your business. If a broker isn't trying to understand your situation before recommending a solution, they're not working for you.

You deserve a broker who ticks none of these. That's the standard we hold ourselves to.

📩 DM us - we're always happy to have an honest conversation.

MFAA State Excellence Awards 2026 ✨Didn’t take home the prize, but took home a tonne of gratitude for being up there wit...
23/06/2026

MFAA State Excellence Awards 2026 ✨

Didn’t take home the prize, but took home a tonne of gratitude for being up there with some big names in the first place!

Big shout out to ex Director Kelly Aliphon, and ofcourse my amazing fiance, for the constant support - my absolute rocks in this business game!

Buying your first home is exciting. It's also full of things nobody tells you:👉 Pre-approval isn't a guarantee. It's a g...
23/06/2026

Buying your first home is exciting. It's also full of things nobody tells you:

👉 Pre-approval isn't a guarantee. It's a guide. Your full approval happens after the lender assesses the actual property, so don't skip your due diligence.

👉 Your borrowing capacity and your budget aren't the same thing. Just because a lender will give you $800K doesn't mean you should borrow $800K. Know what you can comfortably repay.

👉 The deposit is just the beginning. Stamp duty, legal fees, building inspections, moving costs -budget for all of it, not just the deposit.

👉 Your interest rate isn't fixed forever. Variable rates move with the market. Understanding what a rate change does to your repayments is essential before you sign.

Repost this for anyone who's about to start their first home journey.

22/06/2026

A great finance broker doesn't just find you a loan. They become one of the most valuable people in your business corner. Here's what to look for when you're choosing who to trust with your business finance:

✅ They listen before they recommend. A great broker asks about your business, your goals, and your situation before suggesting anything. Your needs come first.

✅ They're upfront about costs and commissions. No surprises. A trustworthy broker is transparent about how they're paid and what you'll pay from day one.

✅ They bring you options, not just one answer. The right broker presents you with choices and explains the pros and cons of each. You make the decision.

✅ They tell you when something isn't right for you. The best brokers will say "this isn't the right product for your situation" even if it costs them the deal.

✅ They're still there after settlement. Finance needs change as your business grows. A great broker is a long-term partner, not just a one-deal contact.

📩 DM us - we're always happy to have an honest conversation.

Every business has slow seasons. The ones that survive and thrive, plan for them. Here's how:👉 Acknowledge it's coming. ...
17/06/2026

Every business has slow seasons. The ones that survive and thrive, plan for them. Here's how:

👉 Acknowledge it's coming. Most slow seasons are predictable. Map out your business cycle and know when the dips usually hit so you're not caught off guard.

👉 Build a cash flow buffer in advance. The time to build your reserve is during your busy season, not when things have already slowed down.

👉 Review your fixed costs. Slow periods are a good time to audit what you're spending on. What's essential? What can be renegotiated or paused?

👉 Use the downtime strategically. Slow seasons are great for planning, upskilling, reviewing your finance structures, and setting up for the next busy period.

👉 Consider a working capital facility as a safety net. Having access to finance you don't have to use, but can if you need to, is one of the smartest things a business owner can do.

Save this and share it with a business owner who needs it.

Taking out a business loan is a big decision, and too many business owners sign on the dotted line without asking the ri...
16/06/2026

Taking out a business loan is a big decision, and too many business owners sign on the dotted line without asking the right questions first. 🖊️

Save this one before your next finance conversation. And if you're not sure how to evaluate your options - that's exactly what we're here for.

📩 DM us - we'll ask the right questions with you.

15/06/2026

These are the things we tell every business owner who comes to us. The more you know going in, the better your outcome.

Save this and share it with a business owner who needs it. 👇

📩 Questions? DM us anytime.

10/06/2026

Having the right people around you matters so much.

Business lending, home lending, cash flow, investments, structure - they all affect each other.

The right support can genuinely change the trajectory of both your business and personal goals.

What’s your biggest question about business finance? 👇 Let us know in the comments.

Growth is the goal. But scaling without a plan can cost you everything. Here's how to do it right. 👇💫 Know your numbers ...
09/06/2026

Growth is the goal. But scaling without a plan can cost you everything. Here's how to do it right. 👇

💫 Know your numbers before you scale. Revenue is vanity. Profit is sanity. Cash flow is reality. Before you grow, understand which of these is your actual constraint.

💫 Don't fund growth from your operating cash flow alone. Using the money meant to run your business to also fund its growth is one of the fastest ways to create a cash flow crisis.

💫 Separate your growth capital from your working capital. These serve different purposes and should be funded differently. Mixing them creates confusion and risk.

💫 Hire ahead of revenue. Growing your team before the revenue arrives is sometimes necessary. But it needs to be planned and funded deliberately.

💫 Have a finance facility in place before you need it. The best time to arrange a credit line is when your business is healthy. Not when you're already stretched.

💫 Work with people who've helped businesses scale before. Your broker, accountant, and advisors should have experience with growth, not just compliance.

📩 Ready to talk about funding your next chapter? DM us.

Address

Perth, WA

Telephone

+61415952243

Website

Alerts

Be the first to know and let us send you an email when ICS Business & Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to ICS Business & Finance:

Shortcuts

Featured

Share

Category