The Pulse of Private Business…

A Current insight into the world of Property Development

De-risk your Decision

Through the eyes of Property Executive…Jordan Wainer

As banks continue the squeeze on development funding, we are seeing a continued flight to quality assets and developments. For a would be investor in commercial or residential development schemes, the key to securing support lies in careful analysis of project risks and developing a mitigation strategy for those identified. Read More »

G20 global leaders urged to provide more support to SMEs in gaining access to finance

As the G20 Summit in Mexico gets underway, The Association of Chartered Certified Accountants Global Forum for SMEs, calls for more co-ordinated and consistent efforts when it comes to SME financing policy and stresses that initiatives which provide an alternative to bank lending need to be harnessed for the sakes of small business. Read More »

Ten things your customers won’t tell you… but your analytics will

By Netstarter Pty Ltd

Have you ever wanted to ask your customers how they would respond to your new store layout, new product launch, next promotional campaign, or any other aspect of your offering?

Were you really able to test your market in this way, or do you think you can successfully do it next time? You probably can or may have already done so. If you’re in a brick-and-mortar business, the time, effort and money required to conduct this kind of customer survey is both prohibitive and impractical. If you are in a brick-and-click business or 100% online business, you can collect your customer feedback by means of online forms and surveys. But, to what extent do you think your customers will act exactly in the same way they said they would? There are also situations where your customers are not able to give precise answers or accurately predict their behaviour.

This is where you can really count on your web analytics. Below are a number of situations that show how your actual customers’ behavioural data can help you make wise marketing decisions, rather than relying on your own guesswork.

Read More »

Tapping the Next big thing in Emerging-market Banking

Lending to micro-, small, and medium-sized enterprises looks

particularly attractive. Here’s how to overcome the traditional

risks in reaching this market…

Mckinsey and Company 2012

Over the next ten years, an estimated 60 percent of the growth in global banking

revenues will come from emerging markets. New McKinsey research shows that a

particularly attractive segment will be micro-, small, and medium-sized enterprises:

the revenues they generate for banks could jump from $150 billion in 2010 to more than

$350 billion by 2015.

Read More »

Pitfalls of the Personal Property Securities Register

A crash course in the Pitfalls of the PPSR….

Gregory Clayton - one of Australia’s foremost financial Legal experts comments…


On 30 January 2012 the Personal Property Securities Reform commenced.  It has a significant impact on security interests which are taken over personal property.  That is most property except land.

The security interests include not only chattel mortgages, company charges and other traditional security interests, but also arrangements (such as finance leases, some operating leases and factoring facilities) which, in substance, have the same purpose as a security.  A retention of title clause, under which a seller retains title to goods until the price is paid, is also considered to be a security interest in the goods given by the purchaser to the seller. Read More »

Typical types of Investments…how do they stack up?


By Mark Mendel

A quick review of the various types of investments the majority of Australians may consider.

Typical Types of Investments in Australia


When thinking about investing your hard earned cash, it is important to assess all the

options that are available to you. Your options will depend upon:

1. How much you have to invest

2. Your Income and cashflow

3. Your Risk Profile

4. Your time in the investment

5. Your Age Read More »

China’s Economy in A Challenging Future

The secret of the Chinese economy miracle

By  Professor Liu Yuan


In the Years (2001-2005) after accession to the WTO, China’s economy has experienced a golden period of low inflation and high growth. This remarkable record makes governments of all levels believe that China has some kind of peculiar ability for high growth that can’t be found in any other economies, and China will continue to work “miracles”. Nevertheless, the so-called miracle is only possible with following special factors :

  1. Cheap labor costs due to inequality of income distribution and policy-oriented distribution system.
  2. Low resources price and uncounted environmental costs caused by monopolized power.
  3.  strong market demand due to globalization
  4. Strong investment driven by government-led infrastructure projects

When financial crisis swept away all the above-mentioned factors, the true state of the China’s economy began to surface. Read More »

How to be investor ready

By Len McDowall, BlueMount Capital

As corporate advisors, we meet with many companies who seek investment capital to help with the growth of their business. But attracting investor capital depends greatly on whether they are “investor ready” or not.

Recently, a company in the building industry approached us to raise $5 m capital for them. They were well established and profitable and had the opportunity to expand overseas and required the funding to finance their expansion.

After a short period of due diligence, it was apparent to us that they were far from being “investor ready”. We prepared the following check list for them and are now working with them to implement it before we approach any investors. Read More »

Industry Insight : Harley Kruse – Golf Course Architect


China’s Golden Age of Golf Design?


History may tell us that the year of 2009 was seen as a significant time in Asian and particularly Chinese golf.   Firstly there was the historic announcement of golf being reinstated as an Olympic sport. To be played in the Rio Summer Olympics of 2016. Well over one hundred years since George Lyon of Canada claimed a gold medal for golf at the St Louis Olympics in 1904.  A games where only Canadian and American golfers competed.  My how the game has changed. The 2016 Olympics  will see players coming from all over the world including  the Asian countries. Their inevitable golfing successes leading up to Rio could  mean very real  prospects of an Asian Olympic medal winner. Read More »

The stages of a start-up

Building a start-up is a methodical process that can often feel overwhelming. A start-up can be split into three distinct stages. Each stage has unique challenges, time frames and costs. Start-ups have limited resources so it is important to focus your resources on each stage as the idea evolves.

The following applies to software based businesses, and most particularly web and mobile software businesses.

Product Build Stage

The product building stage is all about creating a minimum viable product that you can take to market and use to learn. At this stage much of your decision making is based on hunches and intuition. This phase can take anywhere from three to nine months (sometime longer) depending on what it is you are creating and it is usually the founding team who are responsible for building the product. A strong founding team can be a team of two (someones one person) but usually two, plus some early hires. At this stage the business looks scrappy from out outside. Your team are pulling all nighters, coding and building the product. Read More »