As technology reshapes finance and markets evolve, businesses face new opportunities — and new complexities. Ben Blacker, Managing Director of Blacker Consulting, shares his insights into where business finance is heading and how companies can prepare.
A Shift Toward Relationship-Based Lending
While digital applications and AI-driven risk models are becoming standard, Ben believes relationships will remain the foundation of trust.
“Technology speeds things up, but relationships close the deal,” he says.
Businesses that maintain open communication with lenders and advisors will continue to have an advantage.
The Rise of Specialised Finance Solutions
Ben predicts growth in:
- Equipment-specific finance tailored to industries
- Green funding for sustainable initiatives
- Flexible working capital for fluctuating cash cycles
- Cross-border lending as Australian businesses expand globally
The Role of Boutique Consulting
Firms like Blacker Consulting are set to play an even greater role, offering bespoke strategies that traditional banks can’t provide.
“In the future, success will come from combining smart technology with genuine advisory relationships,” Ben explains.
Preparing for What’s Next
To stay ahead, Ben recommends businesses:
- Review finance structures annually
- Diversify funding sources
- Build strong partnerships with advisors and brokers
- Stay agile to changing market conditions
In short, the future of business finance will reward those who plan early and think strategically — a principle that has always guided Ben’s approach.
