We are excited to bring you the first PMG Pulse for the year.
As we step into 2026, many Australian businesses are approaching the year with a renewed focus and strategic intent. After navigating changing market conditions over recent times, the current landscape presents an opportunity to plan smarter, invest wisely, and position your business for sustainable growth.
At PMG Finance, we remain committed to supporting you with tailored finance solutions that align with your goals, whether that’s upgrading equipment, expanding operations, improving cash flow, or reviewing your current funding structure.
There are important updates and opportunities to be aware of this year, and in this edition, we’ll be sharing insights to help you make informed decisions with confidence.
Here’s to a strong, strategic, and successful 2026.
Happy Reading!
Why 2026 will be the year of asset replacement for small businesses
For many Australian small businesses, equipment, vehicles, and machinery are the backbone of daily operations. And while businesses have spent the past few years navigating rising costs, interest rate changes, supply shortages, and unpredictable markets, 2026 is shaping up to be the year where asset replacement becomes not just beneficial – but essential.
Here’s why thousands of SMEs across Australia are planning major upgrades in 2026, and how smart finance strategies can help businesses stay competitive without straining cash flow.
Full-Doc vs Low-Doc Finance: Which is right for your business in 2026?
In 2026, Australian businesses are moving faster than ever. Opportunities don’t always wait for perfectly prepared financials — which is why choosing between full-doc and low-doc finance matters.
Both options can help fund vehicles, equipment, and machinery, but the right choice depends on your business structure, trading history, cash flow, and timing — not just how much paperwork you can produce.
Your credit score plays a major role in your financial life — influencing your loan approvals, the interest rates you receive, and the finance options available to you. Whether you’re applying for a car loan, equipment finance, personal lending or business credit, your score matters.
Here’s a clear breakdown of what affects your credit score in Australia.
Mid-Year Reminder: Instant asset write-off approved for 2026 — Is your business ready?
Australia’s small businesses are starting the new year with welcome certainty as the Instant Asset Write-Off has been locked in early for 2025–26 — bringing clarity, savings, and planning power to your 2026 strategy.
The Federal Government has officially passed the Instant Asset Write-Off for the 2025–26 financial year, allowing eligible businesses to immediately deduct the full cost of certain assets under $20,000.
Information contained in this document is of a general nature only. It does not constitute financial advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain advice specific to your objectives, financial situation and particular needs before making any decision or acting on any of the information contained in this document. Subject to law, PMG Finance nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability for any person acting, or refraining from acting, on the basis of the information contained in this document.
Peter May Group Pty Ltd | ABN 48 147 057 538 | Australian Credit Licence No. 391868
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