The Valiant Blog

The latest financial news, hints & tips for Aussie small businesses.

Explore our latest blog posts

Assets worth over $150K approved despite credit issues

Poor credit? Here’s how we helped our client secure $150K with a credit score of 200.

Our top tips for managing cash flow this Christmas

Christmas doesn’t have to equal chaos. Check out our top tips for managing cash flow this silly season.

9 realistic mental health tips for the busy SME owner

One in three small business owners struggle with their mental health. Here’s what you can do to keep yours in check.

How to apply for asset finance in 5 steps [2020]

Every business needs the right tools to grow. Click here to learn more about applying for asset finance, or better yet—leave it to our friendly experts.

Commercial loan criteria: How lenders assess your eligibility

Here’s the key criteria lenders look for when deciding whether to approve your commercial loan.

7 tips for creating momentum in business, and why it's key to success

Ever hit a wall and not know where to go next? Here’s the key to building momentum in business (and in life).

Valiant officially partners with Australia Post!

Valiant has partnered with Australia Post to offer business customers a streamlined solution to accessing the right business finance. Click to learn more.

Industries hit hardest by COVID-19: Where does your business sit?

Which industries were hit hardest by Covid? Find out where your business sits according to the RBA.

What will work-life balance look like after the pandemic?

Does working remotely work? The stats are in! Here’s how our idea of work-life balance has changed, and whether it will stick.

What the 2020-21 budget means for your business

What does the 2020-21 budget mean for your business? Click to find out.

The future of Aussie SMEs: What can we expect?

What does the future of small business look like? Click for our thoughts on recent RBA findings.

Hair salon owner with credit issues approved for unsecured loan of 35K

Despite credit issues on her account, this Aussie hair salon owner settled an unsecured loan of $35K in just one week. Here’s how.

Has COVID-19 made it harder to access finance as an SME?

Has the pandemic made it harder for SMEs to get a loan? Click to find out.

Unsecured business loan documentation: Assessing eligibility

Find out how lenders assess your eligibility for unsecured finance based on the documentation you give them.

Valiant partners with Qantas Business Rewards to support Aussie SMEs

Valiant has partnered with Qantas Business Rewards to offer members a streamlined solution to finding the right business finance. Here's how it works.

Aussie nurse faces rate hike due to age: how we helped her push back

How we helped our client increase cash flow within her business, lower her interest rate and extend her loan term despite being knocked back due to her age.

Is a merchant cash advance a good idea?

Wondering if a merchant cash advance is a good idea? Click to find out how it works, how much you can expect to pay and whether it’s right for you.

7 factors that determine your unsecured business loan interest rate

Which factors determine your unsecured finance interest rate? Click to find out.

Leasing vs business vehicle finance: What you need to consider

To lease, finance or buy your next business vehicle? Click for pros, cons and considerations.

Your guide to unsecured business loans [2020]

No time for lengthy finance applications? Unsecured finance cuts through most of the red tape—here’s what you need to know before you apply.

New storefront and revenue stream for takeaway joint with just 10k

The Butter Chicken Shop faced huge challenges thanks to Covid, but with a term loan of 10k, we had the solution. Read the full story.

Which assets are best for securing a business loan?

Secured loans require assets for security, but which assets make the cut? Click to find out.

Unsecured vs secured loans: Which is best for your business?

You’ve decided: it’s time to grow your business. There’s one last call to make. Secured or unsecured finance?

New product, extra revenue: How we helped this dairy supplier thrive

With stock drying up on supermarket shelves as a result of Covid, our client knew he needed to grow the business quickly. Here's how he did just that.

How retail businesses can benefit from a Merchant Cash Advance

Grow your business with a little help from your future sales. Find out more about merchant cash advances, a unique form of business finance.

Should you refinance your business loan? Here's what you need to know

Refinancing could help you lock in a lower interest rate, on better terms. But should you do it? Here’s everything you need to know before sealing the deal.

Equipment lease financing: Is it really the best of both worlds?

Get the facts before signing on the dotted line.

Should you freeze your repayments? Pros, cons and considerations

Finances hit hard by Covid? Click to learn more about hitting pause on your mortgage repayments, and other ways to relieve financial pressure.

Customer Story: Back on the road to help beat Covid

After securing 60k with us, Wayne is back on the road helping Australia beat Corona. Read his story.

The best type of equipment finance for your business

Wondering what type of equipment finance suits your business best? This quick guide covers it. Click to find out and compare finance from 80+ lenders.

Key dates for businesses this EOFY [2020]

Tax time taking a toll? Here are your key dates (and incentives) for the next three months, made simple.

5 Ways to keep your team motivated (and productive) while WFH

Who saw 2020 turning out like this? No one. But that can only damper our spirits for so long.

Customer Story: How we helped Pop Gaming kickstart growth with 50k

Don’t let a temporary cash flow issue get in the way of your business’ long-term success. Click to find out how we helped a new gaming arcade take off…

Top 6 questions we get from clients on COVID-19

Check out the top six questions about Coronavirus we had from clients last week. Here's how Covid could impact your ability to get a loan.

Do you qualify for the Government’s cash flow boost?

The cash flow boost for employers is helping hundreds of Aussie businesses beat COVID-19. Click to find out how it works and if you’re eligible.

Coping with COVID-19 and changing business needs

COVID forcing you to rethink your business model? Here are five practical steps you can take to cope with new challenges and changing needs.

What the Government’s response to COVID-19 means for your business

While no one planned for COVID-19, there’s a plan in place to keep SMEs afloat. Here's what you need to know.

Unsecured business lending: Are you eligible?

Your chances of getting approved for unsecured business finance depends on these 12 factors. Click to learn more.

Guide to franchise finance [2020]

Click here to learn about your franchise finance options, and compare loans from 80+ Aussie lenders.

What to look for in a business lender: 7 factors to consider

Choose wisely with these 7 green flags to look out for.

Your guide to the Instant Asset Write-Off updates [2020]

Find out about the recent updates to the Instant Asset Write-Off, and how you could benefit from them today.

Time is money: What you need to know about bank business loans

Time is money. That’s why you should think twice about which bank to go with for your business loan. Or whether you should go to a bank at all...

How we helped 3 inspiring female entrepreneurs grow their gigs in 2020

In the lead up to International Women’s Day, we reflected on our favourite success stories from female entrepreneurs. Here’s a glimpse into our world.

4 Factors that impact your equipment finance interest rate

Don’t miss these 4 crucial factors that affect your equipment finance interest rate in Australia… Click here to compare and save on equipment finance.

Denied business finance? Why Aussies are turning to non-bank lenders

Denied business finance? What now? Here’s why Aussie business owners are turning to non-traditional lending solutions, and succeeding.

Top 3 reasons businesses choose secured finance

Take advantage of lower interest rates and greater borrowing power with secured business finance. Click to learn more.

Too old to start a business? This will change your mind.

You’ve been dreaming of that grand business idea for years, maybe even decades. These 5 famous entrepreneurs will inspire you to finally get started!

5 Reasons to take out a business line of credit

A line of credit can take a huge load off your shoulders as a business owner. Click to learn why.

Unsecured vs. secured business loans: Which one is best?

Click to find out whether a secured or unsecured loan suits your business best, and easily compare finance solutions with competitive rates.

Pros and Cons of Unsecured Business Loans: Are they right for you?

Find out whether an unsecured business loan is right for your business, and compare loans from 80+ lenders.

No Collateral? Here's How Unsecured Business Loans Work

Need cash but don’t have collateral? An unsecured business loan might be your answer. Click here to learn more and make your best business move yet.

What is commercial finance and which type is right for you?

Click here to find out which type of commercial finance is right for you, and contact a product specialist to get funding, fast.

What You Need To Consider Before Financing Vehicles For Your Business

Need a vehicle for your business? How does equipment financing work? Click to learn about your options and compare quotes from over 80 lenders.

Announcing Valiant's $12.5m Series B Funding

Valiant Finance are pleased to announce that we have secured $12.5 million in our Series B equity funding.

Excel Physiotherapy's Debt Consolidation Loan Changed Their Business

Valiant Finance's commercial loan team brought Excel Physiotherapy back on track with a debt consolidation loan saving them time and money on repayments.

Your Guide To The Instant Asset Write-Off 2019

This year’s Federal Government’s instant asset write-off initiative is even better than ever before.

Business Brokers: How To Build a Loyal Client Base

What do successful brokers have in common? A loyal client base.

Brush Up On Your Broker Business Plan

Don't get caught out. Get ready for 2019 with a tailored business plan that puts you on a growth trajectory.

Business Loan Checklist: 5 Things Every Small Business Owner Should Do

Don't get caught out. Here's your Business Loan Checklist to put you in the best position to find funding for your business.

Don't Let Small Business Setbacks Get In The Way Of Success

A minor setback can be challenging, but there's no reason to let it derail your business goals. Here are a couple of coping strategies to keep you moving.

Sweets Treats On The Road To Success

We helped Retreat Bar with an equipment finance solution that got them on-the-road with a new vehicle to reach new customers.

How To Engage SME Clients And Make It Profitable

Over 95% of Australian businesses are small businesses. We can help you boost your business by supporting great Australian small-to-medium enterprises.

How To Apply For An Unsecured Business Loan

Your guide to applying for an unsecured business loan and helping your business grow.

How To Boost Your Business As A Small Business Broker

Grow a larger, happier client base by helping your clients with their every financial need.

Applying For A Business Loan? Be Ready To Answer These 4 Questions

Put your best foot forward by preparing strong answers to these 4 questions.

Small Business Success Stories: Snog The Frog

We sat down with Mel, owner of Snog The Frog, Surry Hills. What did we learn? If you hire from her, your chances of winning best dressed instantly doubles.

5 Trends In Small Business Lending That We're Excited About

Smarter technologies are helping small business owners stay ahead of the game. Here are 5 key trends to keep an eye on.

How To Set SMART Goals To Succeed In Broking

How often do you step back from the daily rush and map out your professional career? Here are some quick tips for goal-setting success.

Small Business Success Stories: Buds And Bowers

What's it like to own a floristry business? We caught up with the owner of buds&bowers in Surry Hills to find out.

How To Find A Great Loan For Your Small Business

A little preparation goes a long way. Get ahead on the finance front with our quick tips to help you with the 3 key areas of your loan application.

Claiming The Small Business Income Tax Offset

EOFY is here. Are you making the most of the benefits available to your small businesses?

What Does Your Credit Score Mean For Your Business?

Cut through the confusion. There's so much talk around credit scores and what they mean; it can be hard to seperate fact from fiction.

How Valiant Helped An Exciting Vintage Retailer Fast-Track Growth

Don't let a cash-flow gap get in the way of a growth opportunity.

Take Advantage of the $20,000 Instant Asset Write-Off

Tax time is fast approaching. Are you getting the most out of the benefits available to small businesses?

What Is A Fixed Price Agreement And Is It Right For Me?

Are you billing for client happiness? Or are you time-billing for your convenience? There's a shift in the industry; don't get left behind!

Getting Your Business Finance Ready by James Carey

The time arrives in most small businesses when you’re required to borrow money. So, how do you get 'business finance ready'?

The Essentials: What Is Equipment Finance?

If you're thinking about purchasing new equipment, an unsecured loan isn't your only option. Learn more about equipment finance here.

What Accountants Need To Know About The Online SME Lending Market

We sat down with Neil Slonim, The Bank Doctor, to find out what he thinks about Australia's fast-growing online SME lending market.

Case Study: Order-In Pty Ltd expand their fleet!

Valiant helped Australian-owned catering business, Order-In Pty Ltd, find finance to buy a new van and grow their customer base.

Case Study: Mark’s Wholesale Steel Business

Finding the right business loan doesn’t have to be difficult. See how we helped Mark’s Wholesale Steel Business find the right business loan for them.

Case Study: How Valiant helped a business owner buy a drone

Here's how our Product Specialist, Graeme, helped a small business owner purchase a drone.

Case Study: unsecured loan to repair and register a removal truck

Here's what we did for a small business owner who needed to repair and register one of their removal trucks.

Take Your SMB Marketing Strategy To The Next Level in 2018

How do you attract new customers to your business? Where do loyal customers come from? It all starts with your SMB online strategy.

Making The Leap: Transitioning from PT to Gym Owner

The path from personal trainer to business owner can be both challenging and rewarding. Check out our top tips for making the transition.

How To Get Your Business Set-up on Social Media

Want to reach your customers online? Are you ready to digitise your small business? First up: get smart about social.

Real Talk: Does Work/Life Balance Exist?

Spoiler: it definitely exists. Make 2018 your best year yet by using these 5 tips to strike a work/life balance.

How To Handle Complaints With The Service Recovery Paradox

Don't let angry customers stay angry. Protect your business' reputation with these simple tips and tricks for delivering exemplary customer service.

How To Find The Right Loan For Your Small Business

Every business is unique. Every business loan is different. What features are most important to you? Consider these 4 things before applying for finance.

Ready To Take Your Business Global?

Have you explored your trade finance options? Premiering your business on the world stage may be within reach.

How To Use Equipment Finance To Grow Your Business

Getting equipment finance is one of the simplest and quickest ways to grow your business – and the equipment becomes the security!

Don't Get Caught Out: Top Tips For Smart Inventory Management

Your guide to smart inventory management for every season.

5 Hidden Business Loan Fees To Watch Out For

Don't get caught out. Here are 5 hidden fees and charges that could apply to your small business loan.

3 Great Ways To Drive Sales Through Customer Loyalty

Get more customers and keep them. Here's the low-down on setting up your very own customer loyalty program.

How To Compare Business Loans Across The Market

You've explored your business finance options. What do you do next? How can you be sure you're comparing loans effectively and getting the best deal?

How To Make Great Hiring Decisions For Your Small Business

Want to expand your team but don't know where to start? Here's our guide to hiring great employees, featuring tips from industry leaders.

How To Unlock The Cash In Your Unpaid Invoices

Are unpaid invoices causing cashflow problems for your small business? Invoice financing may be the answer.

How To Develop Your Unique Selling Proposition

A Unique Selling Proposition (USP) is fundamental for any business looking to grow. Learn how to develop your USP and stand out from the crowd.

What Is A Director’s Guarantee And Why Is Everyone Asking Me For One?

You're applying for loans, you start getting positive responses, and suddenly you're asked for a guarantee. Don't sign until you read this!

Could Debtor Finance Solve Your Cash Flow Concerns?

Are you invoicing your B2B customers with longer payment terms? Is it hurting your cash flow? Debtor finance could be a lifesaver between payments.

Here's What Working Capital Can Do For Your Business

With so many business finance options to choose from, how do you know whether working capital is right for your business? Start by reading this.

Time To Refinance? Here's What You Need To Know

Are you ready to refinance? Reviewing your business loan every 2 - 3 years can save your SME a lot of money. Here's what you need to know.

7 Tips For Managing Business Debt

2018 is your year. Here are 7 quick tips and tricks to get back in the driver's seat when it comes to battling business debt.

19 Business Funding Mistakes To Avoid

Improve your chances of locking down the perfect business loan. Here are 19 business funding mistakes to avoid when you're applying for commercial finance.

12 Business Set-Up Costs You Need To Know About

Setting up a business is hard enough, without getting stung with unexpected costs. Here are the things you should be thinking about before you dive in.

5 Must-Ask Questions When Applying For A Small Business Loan

Getting the best rate is all about asking the right questions. Have you done your research? Here's where to start and why.

Part 2: Claiming The R&D Tax Offset

"Ok, I'm eligible for the R&D tax incentive. But how do I actually claim it?" Here's what you need to know.

Part 1: Are You Eligible For The R&D Tax Incentive?

You could be missing out on a tax offset of 45 cents in every dollar. Check your eligibility for the R&D tax incentive today.

Debt Or Equity: What's Best For Your Business?

Need to raise cash for your business? We explore the use of debt versus equity, and how to decide which one is best for your business.

Here’s Why You Should Consider A Cafe Refurbishment

A cafe refurbishment could keep you ahead of the competition, and you may not need to fund it yourself. Explore your finance options using Valiant today.

Are The Rewards On Your Business Credit Card Worth The Higher Fees?

Reward points can add value to your business, but it's not one-size-fits all. Here's what you need to know.

Company v Sole Trader: What's The Verdict?

Here's the million dollar question: will you start up a company or will you establish yourself as a sole trader? Get the full story.

10 Lessons We Learned From Starting Our Small Business

Valiant Finance is a small business dedicated to supercharging the growth of other small businesses through access to funding. Here's what we've learned.