Business Update – 27 Jan 2026
What Australian businesses need to know (Jan 2026)
Intro / summary
Interest-rate moves, rising insolvencies and fresh superannuation reforms are shaping Australia’s business landscape in 2026. Here’s a short, practical briefing for accountants, brokers and small-business owners — with the actions you can take now to protect cashflow and retain customers.
1. What the RBA is watching — and why it matters for your clients
The RBA is weighing stubborn inflation and labour market data as it decides whether to hold or nudge the cash rate in early 2026. That decision affects mortgage costs, consumer spending and business borrowing — so plan for potential rate volatility when forecasting cashflow and lending exposure.
2. Business investment still resilient — opportunity for advisers
Despite headwinds, business investment has shown pockets of strength. This keeps demand for commercial finance and advisory services strong — a point worth highlighting in your outreach to SMEs looking to invest or restructure.
3. Productivity, competitiveness and the investment risk
A major Business Council report warns that Australia’s productivity growth has lagged, which could make the country less attractive for long-term investment. For advisors: emphasise efficiency improvements (process automation, cost control, pricing strategy) when pitching to clients.
4. Superannuation reforms — practical takeaways
Recent government reforms affecting the retirement/superannuation phase introduce changes advisers and bookkeepers must factor into retirement planning, tax estimates and client communications. Review client balances, contribution strategies and compliance triggers so nothing slips through at tax time.
5. Business failures are rising — what to do now
Business failure rates have climbed back to levels last seen during the pandemic. That trend makes credit checks, cashflow forecasting, and earlier intervention essential for suppliers and advisers. Offer free cashflow reviews or short survival-strategy sessions to prospects — those lead magnets convert.
Get in touch
Contact us if you have any questions or want to discuss the next steps for your business.
Phone:07 3863 3933
www.profitwise.com.au