Research underscores growing role of brokers in guiding business clients through capital, risk and investment strategies

Brokers are playing a more strategic role in helping businesses manage rising costs, global uncertainty and supply chain pressures, according to a new report from NAB.
The research, released in a report today, shows how brokers are supporting business clients with trade and working capital solutions to unlock growth and reduce risk.
Despite challenging conditions, many small and medium enterprises (SMEs) remain optimistic. NAB’s SME Business Insights Report for the first quarter of 2025 shows nearly 60% of SMEs plan to invest over the next year in areas such as hiring, market expansion or equipment purchases. However, many face hurdles around cash flow and trade finance.
Chris Thomas (pictured), NAB executive for commercial broker and equipment finance sales, said the report highlights an opportunity for brokers to provide value beyond the transaction.
“Imagine a business customer returning from the US to find the tariffs have changed overnight. Suddenly, their stockists are rethinking orders, and their cash flow is under pressure,” Thomas said. “In situations like that, business owners are often making tough decisions – sometimes about keeping staff or scaling back operations.
“A broker who understands the full working capital cycle and broader market pressures can offer guidance and perspective at a critical time – helping customers consider their options and make informed decisions.”
The report identifies financing tools such as invoice finance, FX risk solutions and structured short-term lending as vital for businesses operating in sectors like manufacturing, agribusiness, healthcare and construction. These solutions can improve liquidity, reduce funding gaps and support growth.
Jasmine Ashton, NAB executive for specialist banking, business and private banking, believes brokers who understand the broader trade environment will be in a strong position to support client growth.
“Access to specialist skills, knowledge and solutions can make the difference between a missed opportunity versus customers acting with confidence on a well-informed growth strategy,” Ashton said.
“Brokers who understand the global context their clients operate in, can help businesses more effectively utilise cash flow to improve funding for growth – by streamlining the way they manage their working capital cycles and unlocking value through their business operations and improving cost efficiencies.”
The NAB report also explores the role of brokers in succession planning. According to Thomas, brokers are in a unique position to bridge the gap between specialist banking services and local market needs.
“Whether it’s succession planning, managing offshore risk or funding growth, brokers who bring context, clarity and solutions will continue to be vital to their clients’ success,” he said.
“At NAB, we’re committed to being the bank behind the broker, providing deep expertise, long-term partnership, and practical support to help brokers grow their businesses and provide strong outcomes for their customers.”
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