Start Fresh Finance

03/11/2026

The Reserve Bank has lifted interest rates to their highest level in 18 years, as it attempts to dampen inflation.

It has increased rates by 0.25 percentage points, which lifts the cash rate target to 4.85 per cent, up from 4.60 per cent.

The cash rate has not been this high in Australia since late 2008. It is the fifth time the bank has lifted rates in 2026.

The RBA board's decision to lift rates was not unanimous.

Six members voted to increase the cash rate target by 25 basis points to 4.85 per cent, while three members voted to leave the cash rate target unchanged at 4.60 per cent.

The majority decision will be another blow to households with mortgages, but individuals who have high-interest savings accounts will see their savings accruing more interest after today's decision, if their bank applies higher rates to their accounts.

29/09/2026

The Reserve Bank's Monetary Policy Board has lifted interest rates by 0.25 percentage points.

It lifts the cash rate target to 4.60 per cent, up from 4.35 per cent. It is the highest rate since late 2011.

20/08/2026

💰 Is your business prepared for a cash-flow squeeze?

Looking at working capital funding options before you need them gives your business more room to act if late payments start putting pressure on cash flow.

A couple of questions to consider:

Are your debtor days increasing?
Are customers who regularly pay late now taking even longer to pay?
Could your business comfortably cover 2+ months of operating costs while waiting for outstanding invoices?

B2B payment arrears have reached their highest level in six years, with more payments moving beyond 60 days overdue. For many business owners, that can mean funding wages, suppliers and operating costs long after the work has been completed.

Over the past few months, we’ve been talking with our clients about having a “back-up” finance option in place — whether it’s to manage a temporary cash-flow squeeze or cover an unexpected repair to machinery or equipment.

Having a plan in place before you need it can make all the difference.

📞 If this sounds like something you need to look at for your business, call Jan today for a chat. 0468 371 449

Call now to connect with business.

11/08/2026

The Reserve Bank of Australia (RBA) has left the cash rate unchanged at 4.35% following its August monetary policy meeting. Read the full statement here. https://www.rba.gov.au/media-releases/2026/mr-26-19.html

At its meeting today, the Board decided to leave the cash rate target unchanged at 4.35 per cent.

24/07/2026

Sum up your week in one word 👇
And go!

05/07/2026

01/07/2026

💼 New superannuation payment regulations are changing the way businesses manage cash flow.

With super to be paid at the same time as employee wages, it's more important than ever to stay ahead of your cash flow needs.

Don't let these changes put unnecessary pressure on your business. Whether you need additional working capital or a tailored finance solution, Start Fresh Finance is here to help.

📞 Contact us today to discuss your cash flow requirements and keep your business moving forward with confidence.

16/06/2026

Australian homeowners have been spared further mortgage pain after the Reserve Bank held the cash rate steady at 4.35 per cent, following three hikes this year.

05/06/2026

Non finance related just a bit of fun