COVID-19 Support Options Available for Your Business

As at 25th September, 2020

We have compiled a comprehensive list of support available to Social Entrepreneurs, Not-for-Profits and SMEs in Australia.

VICTORIA Sole Trader Support Fund

The $100 million Sole Trader Support Fund provides support to non-employing Victorian sole traders operating out of commercial premises or locations within specific sectors. Eligible sole traders will receive a grant of $3000.

Click here for more information and to apply.

JobKeeper payment – UPDATED

On 21 July 2020, the Government announced an extension of the JobKeeper Payment until 28 March 2021, targeting support to those businesses and not-for-profits who continue to be significantly impacted by the Coronavirus.

  • The existing JobKeeper Payment will remain in place until 27 September 2020. Information about the operation of the JobKeeper Payment until 27 September 2020 is available on the ATO website. From 28 September 2020, the JobKeeper Payment will be extended for businesses and not-for-profits that have been most significantly impacted, the payment rates will be stepped-down and two tiers of payment will be introduced.

The JobKeeper Payment rate is to be reduced and paid at two rates:

    • From 28 September 2020 to 3 January 2021, the payment rate will be $1,200 per fortnight for all eligible employees who, in the four weekly pay periods before the reference period, were working in the business or not-for-profit for 20 hours or more a week on average and for business participants who were actively engaged in the business for more than 20 hours per week, and $750 per fortnight for employees who were working in the business or not-for-profit for less than 20 hours a week on average and business participants who were actively engaged in the business less than 20 hours per week in the reference period.
    • From 4 January 2021 to 28 March 2021, the payment rate will be $1,000 per fortnight for all eligible employees who in the four weekly pay periods before the reference period, were working for 20 hours or more a week on average and for business participants who were actively engaged in the business for more than 20 hours per week, and $650 per fortnight for employees who were working for less than 20 hours a week on average and business participants who were actively engaged in the business for less than 20 hours per week in the reference period.

Further changes were announced on 7 August 2020 to adjust the reference date for determining employee eligibility and make it easier for organisations to qualify for the JobKeeper Payment extension.

From 28 September 2020, businesses and not-for-profits seeking to claim JobKeeper Payment will be required to re-assess their eligibility for the JobKeeper extension with reference to their actual turnover. The JobKeeper extension will be available to qualifying businesses and not-for-profits from 28 September 2020 until 28 March 2021.

More information on eligibility can be found here on the Australian Government Treasury website.

The ATO is administering the JobKeeper Payment and detailed information and guidance on JobKeeper is available on the ATO website.

Original JobKeeper program detials below:

If your business has been significantly impacted by the Coronavirus you will be able to access a wages subsidy to continue paying your employees. Under the JobKeeper program, you will be able to claim a fortnightly payment of $1,500 per eligible employee from 30 March 2020, for a maximum of six months. This assistance will help you keep staff and will help you restart when the crisis is over.

Eligibility

  • Employers (including not-for-profits) will be eligible for the subsidy if, at the time of applying:
    their business has an aggregated turnover of less than $1 billion (for income tax purposes) and they
    estimate their turnover has fallen or will likely fall by 30 per cent or more; or
  • their business has an annual turnover of $1 billion or more (for income tax purposes) and they
  • estimate their turnover has fallen or will likely fall by 50 per cent or more; and
    their business is not subject to the Major Bank Levy.
  • Self-employed individuals will be eligible to receive the JobKeeper Payment where they meet the relevant
  • For charities registered with the Australian Charities and Not-for-profits Commission (ACNC), they will be eligible for the subsidy if they estimate their GST turnover has fallen or will likely fall by 15 per cent or more relative to a comparable period.

For more information, click here.

ATO Relief – “Boosting Cash Flow” and PAYGW Refunds

Legislation has passed to provide temporary cash flow support to small and medium businesses and not-for-profit organisations that:

  • employ staff between 1 January 2020 and 31 October 2020
  • have a turnover of less than $50 million
  • have been affected by the economic downturn associated with COVID-19 (novel coronavirus).

Eligible businesses and not-for-profit (NFP) organisations will receive between $20,000 to $100,000 in cash flow boost amounts by lodging their activity statements up to the month or quarter of September 2020.

  • 100% of PAYG withheld between March 2020 and June 2020 (minimum of $10,000 and maximum of $50,000) will be credited to a maximum of $50,000 for the six month period.
  • An additional payment for June — September 2020 period, equivalent to the to the total PAYG withheld for March to June 2020, will provide a total refund of up to $100,000 per entity.

To access the cash flow boost, you must lodge your activity statement for PAYGW.

PAYGW credits will apply on a per entity, ABN basis. Therefore, if you have two entities conducting business in your group structure each entity may be eligible for PAYGW BAS credits.

For more information, click here for the ATO details, and here for the Treasury Fact Sheet.

Business Support Fund (Vic Only) – NEW FUNDING ROUND

The Victorian Government has released a third round of the Business Support Fund. Eligible businesses will receive grants of $10,000, $15,000 or $20,000, depending on the business’ annual payroll. There is a list of eligible sectors here, and in addition business must:

  • operate a business located within Victoria; and
  • participate in the Commonwealth Government’s JobKeeper Payment schemeExternal link (opens in same window); and
  • employ people and be registered for Workcover InsuranceExternal link (opens in same window) with WorkSafe Victoria; and
  • have had an annual payroll of less than $10 million in 2019-20; and
  • be registered for Goods and Services Tax (GST); and
  • hold an Australian Business Number (ABN); and
  • be registered with the responsible Federal or State regulator.

For more information, click here.

Round 2 Details:

The package included:

  • The Business Support Fund – Expansion program providing $10,000 for employing businesses in metropolitan Melbourne and Mitchell Shire and $5,000 for employing businesses in regional Victoria (except Mitchell Shire.)
  • $30 million dedicated fund for Victoria’s night time economy to support the hardest hit businesses in hospitality.
  • $26 million in mental health support will ensure Victorians dealing with the compounding challenges of running a small business can get the support they need as they navigate their way through the crisis.
  • $10 million business mentoring program, pairing small business owners with experienced professionals who can help them navigate their way through the crisis.
  • $40 million capped fund for regional tourism businesses to cover the costs of refunds.
  • $20 million fund to support small businesses in Melbourne’s CBD that are faced with a large and sustained shock to their trading environments.

Businesses will also benefit from an extended and expanded payroll tax deferral. Eligible businesses with payrolls up to $10 million can defer their liabilities for the first half of the 2020/21 financial year.

More information can be found here.

The original package details are outlined below:

The Victorian Government has launched the $500 million Business Support Fund to help small businesses survive the impacts of the coronavirus (COVID-19) pandemic and keep people in work.

Funding of $10,000 per small business is available and will be allocated through a grant process. To be eligible they must:

  • Have been subject to closure or highly impacted by shutdown restrictions announced by the Victorian Government to-date; and
  • Employ people; and
  • Have a turnover of more than $75,000; and
  • Have payroll of less than $650,000; and
  • Hold an Australian Business Number (ABN) and held that ABN at 16 March 2020 (when the State of Emergency was declared); and
  • Have been engaged in carrying out the operation of the business in the Australian State of Victoria on 16 March 2020.

For more information, click here.

The Victorian Government has launched the $500 million Business Support Fund to help small businesses survive the impacts of the coronavirus (COVID-19) pandemic and keep people in work.

Funding of $10,000 per small business is available and will be allocated through a grant process. To be eligible they must:

  • Have been subject to closure or highly impacted by shutdown restrictions announced by the Victorian Government to-date; and
  • Employ people; and
  • Have a turnover of more than $75,000; and
  • Have payroll of less than $650,000; and
  • Hold an Australian Business Number (ABN) and held that ABN at 16 March 2020 (when the State of Emergency was declared); and
  • Have been engaged in carrying out the operation of the business in the Australian State of Victoria on 16 March 2020.

For more information, click here.

COVID-19 National Funding Platform

  • Australian Communities Foundation and Philanthropy Australia have partnered to provide a national funding platform to coordinate the philanthropic response to the COVID-19 pandemic.
  • The platform empowers a centralised and coordinated funding approach to supporting the community through the pandemic, with one point of contact to assist with brokering support across the board.
  • Visit it here: https://www.communityfoundation.org.au/making-a-difference/granting-opportunities/

Retail and Commercial Leases

The National Cabinet has released a Mandatory Code of Conduct on SME Commercial Leasing Principles During COVID-19. The code and its principles will be implemented and regulated by each state or territory, and is still as at 29 April being finalised and not yet legislated across Australia. You can find more information on the code and its principles here.

If you are still waiting in your state or territory for the regulations to be released, click here for some tips / potential traps to help you to identify issues and opportunities around your businesses lease.

Supporting our Creative State (Victoria Only)

A $16.8 million Victorian Government funding package will provide immediate support to Victorian creative organisations and individuals to sustain employment, develop new works and provide opportunities for creative community participation, in the face of the global coronavirus pandemic.

This includes the Sustaining Creative Workers initiative which seeks to support the continued work of Victoria’s independent creative practitioners who have been negatively impacted by coronavirus (COVID-19).

Applications will be accepted for requests:

  • Up to $5,000 for individuals, sole traders and freelancers
  • Up to $10,000 for collectives, micro-organisations and businesses*
  • Up to $2,500 in additional access funding for applications from Deaf and Disabled creatives, artists, arts workers and disability-led organisations/businesses

* Micro organisations/businesses are those that employ less than 5 Full Time Equivalent staff.

For more information click here.

Bank Care Package

  • The Australian Banking Association (ABA) has announced a relief package that includes a deferral of principal and interest repayments for all term loans and retail loans for six months for small business customers with less than $3 million in total debt owed to credit providers.
  • At the end of the deferral period, businesses will not be required to pay the deferred interest in a lump sum.  Either the term of the loan will be extended, or the level of loan repayments will be increased. The package applies to all ABA member banks who agree to participate (listed below). Funders outside of the (ABA) who are providing support are also listed below:
       ABA Members        Non ABA Members
  • ANZ
  • Commonwealth Bank of Australia
  • Macquarie Bank
  • National Australia Bank
  • Westpac
  • Bank of Melbourne
  • Suncorp Bank
  • ING
  • Bankwest
  • ME Bank
  • Judo Bank

Coronavirus SME Guarantee Scheme

The Government will provide eligible lenders with a 50 per cent guarantee for new loans with the following terms:

  • SMEs, including sole traders, with a turnover of up to $50 million.
  • Maximum total size of loans of $250,000 per borrower (effectively a guarantee of $125,000)
  • Loans will be up to three years, with an initial six month repayment holiday.
  • These conditions apply only to new loans, not refinanced loans.
  • Unsecured finance, meaning that borrowers will not have to provide an asset as security for the loan.

The Scheme will be made available by participating lenders until 30 September 2020.

Click here for more information.

Payroll tax

Victoria
  • Full payroll tax refunds for the 2019-20 financial year to small and medium-sized businesses with taxable wages of less than $3 million per member entity of a group.
  • Payments will start flowing next week and the assistance is a refund, not a loan or deferral.
  • Eligible businesses must continue to lodge returns but do not need to make further payments for this financial year.
  • The State Revenue Office will directly contact eligible businesses in relation to reimbursement for payroll tax already paid in the financial year.
  • The same businesses will also be able to defer any payroll tax for the first three months of the 2020/21 financial year until 1 January 2021
  • For more information click here.
New South Wales
  • The NSW Government has announced the waiver of payroll tax for businesses with payrolls of up to $10m, for the months from April to June 2020.
  • Also, the payroll tax threshold will be raised to $1m in 2020/21, thereby bringing forward another round of payroll tax cuts for eligible businesses.
  • For more information click here.
Western Australia
  • Businesses paying payroll tax, with a payroll between $1m and $4m will receive a one-off grant of $17,500.
  • In addition, the increase of the payroll tax threshold to $1m will be fast-tracked to 1 July 2020, six months before the originally planned date. This means smaller businesses will potentially be able to fall out of the payroll tax regime sooner than before.
  • Small and medium-sized businesses, who pay $7.5m or less in Australian taxable wages and have been affected by COVID-19, can apply for a deferral of their 2019/20 payroll tax payment until 21 July 2020.
  • For more information click here.
Queensland
  • The QLD Government are offering a deferral of March to June payroll tax returns until the 3rd of August 2020.
  • For more information click here.
ACT
  • There will be a 6-month waiver on payroll tax for the hospitality, creative arts and entertainment industries.
  • There will also be access to interest-free deferrals of payroll tax commencing on 1 July 2020 for all businesses up to a payroll threshold of $10m in Australian taxable wages.
  • For more information click here.
Tasmania
  • Payroll tax for the last four months of income year 2019/20 will be waived for businesses in the hospitality, tourism, seafood and exports sectors
  • Affected businesses in other sectors with an annual payroll not exceeding $5m in Australian wages, can apply for a waiver of payroll tax for the three months of April, May and June 2020.
  • 12 month payroll tax rebate to approved employers for new youth employees (aged 24 years and under) employed at a point between 1 April and 31 December 2020.
  • For more information visit: https://www.sro.tas.gov.au/about-us/covid-19
South Australia
  • Six month payroll tax waiver for eligible businesses with Australian grouped wages up to $4 million (for the return periods of March 2020 to August 2020).
  • Businesses with annual Australian grouped wages above $4 million that can demonstrate they have been significantly impacted by COVID-19 will, upon application, be able to defer payroll tax payments for the 6 months from April to September 2020.
  • For more information click here.

Land Tax Deferral

  • Landowners due to pay 2020 land tax that have at least one non-residential property and total taxable landholdings below $1 million have the option of deferring their 2020 land tax payment until after 30 June 2020.
  • The State Revenue Office will contact all taxpayers who are eligible for this deferral.

ATO Relief – Tax Payment Deferral Options

  • Deferring by up to four months the payment date for BAS amounts due (including PAYG instalments), income tax assessments, FBT assessments and excise.
  • Allowing businesses to vary PAYG instalment amounts to zero for the March 2020 quarter; businesses that vary their PAYG instalment to zero can also claim a refund for any instalments made for the September 2019 and December 2019 quarters.
  • Remitting any interest and penalties, incurred on or after 23 January 2020, that have been applied to outstanding tax liabilities.
  • Working with affected businesses to help them pay their existing and ongoing tax liabilities by allowing them to enter into low-interest payment plans, and
  • Allowing businesses on a quarterly reporting cycle to opt into monthly GST reporting in order to get quicker access to GST refunds they may be entitled to.

More information can be found here.

Instant Asset Write Offs and Accelerated Depreciation

  • Applicable to assets purchased after the 12 March 2020
  • An increase in the instant asset write off threshold from $30,000 to $150,000 and expanding access to these write-offs to include businesses with aggregated annual turnover of less than $500 million until 30 June 2020.
  • For assets with a purchase price of more than $150,000 or purchased after 30 June 2020, businesses with aggregated annual turnover of less than $500 million, in addition to the standard depreciation a claim for assets, will be able to deduct 50% of the asset cost in the year of purchase via a time limited 15 month investment incentive through to 30 June 2021.
  • See more information here.

Liquor Licence Fees

Victoria
  • Waiving of liquor licensing fees for 2020 for affected venues and small businesses.
  • Businesses that have paid for a renewable liquor licence for 2020 will be reimbursed their licence fee and this yet to pay will have the fee waived.
  • The State Revenue Office will administer the reimbursement, regardless if whether the liquor licence fee was paid to it or the Victorian Commission for Gaming and Liquor Regulation.
Tasmania

Provide a 50% discount in liquor licensing fees and waiver of application fees for the entire 2020 calendar year

Superannuation & Social Security for Individuals and Sole Traders

Early release of superannuation
  • The Government will allow individuals in financial stress to access up to $10,000 of their superannuation in the 2020 financial year and a further $10,000 in the 2021 financial year.
  • To be eligible for early release of superannuation you must be either have:
    1. Been unemployed, or
    2. Been eligible to receive Jobseeker payment, Youth Allowance for job seekers, Parenting Payment, Special Benefit or Farm Household Allowance, or
    3. Been made redundant on or after 1 January 2020, or
    4. Had your working hours reduced by 20 percent or more, or if you were a sole trader had your business suspended or experienced a reduction in your turnover of 20 percent or more
  • Those who are eligible are able to apply through the myGov website www.my.gov.au from mid April 2020 to access the funds before 1 July 2020 for the first $10,000 and have three months after this date to access more.  These funds will not be taxed and will not affect Centrelink or Veterans’ Affairs payments.
No Relief for Employer Super Obligations

Employers will still need to meet their ongoing super guarantee obligations for their employees.

Income Support For Individuals & Sole Traders

  • Two $750 stimulus payments to pensioners, social security, veteran and other income support recipients and eligible concession card holders.  The first of these payments was announced on 12 March 2020 and the second will be automatically made on 13 July 2020.   The payment will be tax-free and will not count as income for social security, farm household allowance, and veteran payments.
  • From 27 April 2020, the Government is also temporarily expanding eligibility to income support payments to include sole traders and and establishing a new time limited Coronavirus Supplement to be paid at a rate of $550 per fortnight for the next 6 months on top of existing entitlements.
  • The Coronavirus Supplement will be paid to both existing and new recipients of the JobSeeker Payment, Youth Allowance, Parenting Payment, Farm Household Allowance and Special Benefit and be in addition to the payments made on under these allowances.
  • The Jobseeker payment is currently $550 per fortnight and the addition of the Coronavirus Supplement increases this payment to $1,100 per fortnight.
  • Sole traders and casual workers who are currently making less than $1,075 a fortnight will be eligible to receive the full supplement.

Apprentice Relief

  • The government has introduced a wage subsidy to support small businesses to retain their apprentices and trainees.  Businesses may be eligible to receive 50 per cent of their apprentice’s wages, capping at $21,000, per apprentice, for the nine months from 1 January 2020 to 30 September 2020.
  • Employers will be able to access the subsidy after an eligibility assessment is undertaken by an Australian Apprenticeship Support Network provider. Like other assessments, this is expected to be completed via a SmartForm on the Australian Apprenticeship website.
  • Employers can register for the subsidy from 31 March 2020, and final claims of payment must be lodged by 31 December 2020.

Staff considerations

The World Health Organisation (WHO) declared Coronavirus (COVID-19) a pandemic on 11 March 2020.   With the impact of COVID-19 changing the business landscape daily, it is unsurprising that sole traders have been left asking “but what does this mean for me, my business and workforce?”

 

Workcover & working from home

Fair Work Requirements

  • We have attached a link to the Fair Work Ombudsman website that addresses Coronavirus and Australian Workplace Laws.

https://www.fairwork.gov.au/about-us/news-and-media-releases/website-news/coronavirus-and-australian-workplace-laws

Displaced workers

Working for Victoria Fund
  • Under the $500 million Working for Victoria Fund, displaced workers will be eligible to apply for different types of work. This presents opportunities for paid work and an opportunity to contribute to Victoria’s ability to manage this event and support the community.
  • Some displaced workers will have skills that can be readily transferred to new roles. The Government can also assist skills development or help people in obtaining immediate accreditation to commence work.
  • The Government will work across the public sector, local government, the not-for-profit sector and key private sector employers to facilitate job matching.
  • For more information visit: www.vic.gov.au/workingforvictoria

Insolvency – Temporary relief for financially distressed businesses

23 March 2020 the Government announced temporary changes on insolvency laws (Corporations Act 2001). These proposed changes are designed to give businesses time to assess their solvency, implement restructuring plans where needed and take advantage of the safe harbour provisions under the Corporations Act 2001.”

Most notable changes are:

  1. A temporary increase in the statutory demand threshold to $20,000;
  2. An increase in the time to comply with a statutory demand from 21 days to 6 months;
  3. A temporary increase in the size of the debt required to issue a creditor’s petition to $20,000;
  4. An increase in the time to comply with a bankruptcy notice from 21 days to 6 months;
  5. The moratorium on action against a debtor following the presentation of a declaration of intent to present a debtor’s petition is increased to 6 months; and
  6. A six-month moratorium on directors’ insolvent trading liability, for debts incurred in the ordinary course of business.

To see the full details of the Government’s announcement click here

Retail and Commercial Leases (cont’d)

The National Cabinet has released a Mandatory Code of Conduct on SME Commercial Leasing Principles During COVID-19. The code and its principles will be implemented and regulated by each state or territory, and is still as at 29 April being finalised and not yet legislated across Australia. You can find more information on the code and its principles here.

If you are still waiting in your state or territory for the regulations to be released, here are some tips / potential traps to help you to identify issues and opportunities around your businesses lease.

Ask for a rent concession / discount / abatement (different terms – same meaning!)

Have the conversation with your landlord now. Asking for a 50% rent reduction for a 2 to 3 month period is not unreasonable.  Landlords will want their tenants to have viable businesses on the other side of this pandemic or they face the possibility of empty shops, months with no rental income, paying costs that they would usually pass on to tenants.   It is also worth reviewing the terms of the lease to check for any terms that the tenant could use as leverage to swing a rent reduction in their favour.

How could Coronavirus cause a tenant to breach their lease?

Infection disease obligations
Tenants may have reporting obligations if the premises (or its occupants) come in contact with an infectious disease and leases often includes clauses which require tenants to advise landlords in these circumstances.   Tenants can also be required to comply with directions given by government authorities; i.e. clean-up measures, at the tenant’s expense.   If tenants fail to comply with the directions of their landlord or authorities, they may be in breach of their lease and also liable for costs including the landlord’s losses or damages.

Stopping trading
Most leases require tenants to operate their businesses from the premises during normal business trading hours, with limited exceptions.  If a tenant closes a shop without the landlord’s consent during times when it is required to trade, it may be in breach of the lease.  Tenants could face losing security deposits, bank guarantees and in some situations, individuals could be personally liable for the tenant’s breach. A nationwide or state-sanctioned lockdown may override a trading obligation, but it would have to be considered on a case-by-case basis.

    1. When would a tenant be entitled to compensation as a result of the Coronavirus?
      Tenants have legal rights to compensation in circumstances where landlords interfere with a tenant’s use of the premises and the tenant suffers a loss.   A tenant may have a claim against their landlord if the landlord forced the tenant to shut their store.   There are exceptions; i.e. if a landlord causes the interference in response to an emergency or at the direction of a government authority.

2. Is there an opportunity to change the terms of a lease?

There’s always an opportunity if discuss it the right way but a crisis can provide opportunities to negotiate terms which can benefit both parties.  Whatever the parties decide, the agreement should be documented in writing so there is clarity on what has been agreed and it’s binding.  The economic climate is too uncertain to do deals on a handshake, despite how good the relationship might be.   The following are examples of renegotiation options:

      1. If the lease is due to expire and the tenant does not have an option to renew the lease, it could agree to renew the lease for a further term (giving the landlord comfort that it will have continuous rent income), subject to the landlord agreeing to a short-term rent abatement.
      2. If a tenant runs a strong-performing business from the premises, it could negotiate a reduced base rent and agree to top it up with turnover rent (a percentage of the tenant’s turnover which exceeds a threshold amount).
      3. If there are still a number of years left in the term, a tenant could agree to carry out refurb works at the premises (preferably at a deferred date), subject to the landlord agreeing to a rent abatement.

YuMi Tourism Partners (Alotau) – Milne Bay Organics

“Coconut has been incredibly embedded in the Milne Bay tradition – from the food consumption through to the traditional dancing.” Last year, the YuMi pilot program took us to Alotau in Papua New Guinea, where we worked with difference maker, Rhona.

Indigenous tourism is key to economic recovery

Long-time friend, and associate of TDi, Ash Bartley has just started a new role with Visit Victoria.  We caught up with her recently to celebrate her new role and ask about the opportunity for Indigenous tourism in Australia’s economic recovery.

YuMi Tourism Partners (Alotau) – VilLink Tours & Expeditions PNG

“With what I’m doing, I want to encourage the other young women out there, that they can also have the chance to make a difference.  Not only in earning money, but sharing what they know, and getting other communities involved.”

Flexible and responsive coaching is key to sustaining women’s economic empowerment during a crisis

While each business owner faces their own set of challenges in response to the uncertainty and upheaval of COVID-19, we are observing a series of consistent coaching requirements emerge.

When life gives you lemons… pivot your business model

Nemika Brunton is based in Alotau, Papua New Guinea.  We met her during the YuMi Tourism Partners Pilot program.  The program addressed starting small, testing and learning, and how to adapt and respond to market needs.  These lessons have certainly helped Nemika shift her business focus in response to COVID-19. Tourism is a key industry for the town and many of the local businesses were tourism based.  So, the impact of COVID-19 hit the town hard.  Many locals – including Nemika – have adapted quickly to totally new businesses and customers.

Supporting Social Enterprise during COVID-19

Following a tumultuous year of bushfires, COVID-19 and recent floods in Southern NSW, lots of small businesses and the families and communities they serve, are doing it tough.  One way we’ve seen people showing their support for these local businesses is through the #shoplocal #shopvictoria and #buyfromthebush movements.  We’ve been inspired by this and wanted to share a #shopsocialenterprise guide based on some of the businesses we’ve been working with over the last 18 months.

Resilience, at what cost?

Over the past six months we as a team have navigated our own business and helped hundreds of others to do the same. We went from having a clear business model and ready to write our best year ever to having nothing as certain and many parts of our own business model under threat.

Finding motivation to continue business during COVID-19

As the current economic climate evolves with COVID-19, we have been sharing some perspective from both our own work and the continual conversations and support we’re offering others. Initially, we shared a metaphor about what this first felt like – like our house was...

Pivoting during COVID: responses from Fiji

Recently, we caught up with Deb Sadranu at Essence of Fiji to see how things are going for her, her business, and Fiji in the face of COVID-19.  Tourism is a key industry for Fiji, and Essence of Fiji usually serves the tourists. As a result of COVID-19, Deb’s whole business model has pivoted from predominantly local, in-store sales, to predominantly international, online sales.

A letter to my daughter about Black Lives Matter and racial inequality

Dear Willow,  I’m writing to you because I want to share some rumblings in my gut that have troubled me.  You are at an age now, where it is time for you to step into a conversation that for us as Australians is long overdue. I have tried to teach you about love,...