Report
The State of SME Spend in Australia 2025
89% of Australian SMEs report increased business costs in the past year, with utility bills, supplier costs, and staff expenses driving an average 10% rise. Yet 91% are prioritising non-capital operational spending for FY2025-26.
This report covers where the money is going and what finance teams are doing differently.
What you’ll learn:
- Where 91% of SMEs are directing operational spend (upskilling, hiring, product development)
- Why 59% plan to invest despite subdued capital budgets and instant asset write-off uncertainty
- Which sectors and states are feeling the most cost pressure, and which are outperforming
Backed by data from CommBank, ScotPac, MYOB, Visa, and Treasury.