What Consumers Are Valuing Most In 2018

Value is somewhat of a buzz word in marketing, often used to describe the benefits of a product or service, and what one company can offer that another cannot. What creates value in the minds of consumers has adapted over time, as new technology is released and consumer trends and preferences change.

In 2018, there are some clear trends for what consumers are valuing most. With major market disruptions and the rapid rate at which new technology is being produced, here is what consumers are expecting from their goods and service providers.

  1.       Convenience

For many years convenience has been king and nothing much has changed as 2018 rolled around. However, the concept of what convenience means to consumers now is distinctly different to that of the past decade. Many years ago, drive-throughs were the height of convenience, but now as food delivery apps have become widely available, anything that involves leaving the house is a bother to most consumers.

This trend isn’t confined to the food service industry however, with almost all major retail brands and even boutique stores adopting an online shopping platform, consumers are expecting click of a button service across all areas of the market.

Another industry that is booming as a result of adapting to provide the convenience that consumers value so much is the fitness industry. One would be hard pressed to find a gym that didn’t offer 24/7 access to its members and an extensive class schedule that catered to a flurry of different lifestyles.

  1.       Real Time Service

Off the back of the convenience trends come consumer’s expectations for real time service and feedback from brands. With social media now a part of everyday life for almost 80% of Australia’s, no longer do consumers expect to wait in que whilst trying to call through to a company’s call centre.

The game changed dramatically with the introduction of social media platforms like Facebook, as they became a channel for consumers to reach out to brands and receive a prompt response. As instant replies became the norm, brands searched for a way offer their customers this level of convenience without the huge manpower required to deliver it. Introducing chatbots: a form of artificial intelligence that can respond to most customer queries. Chatbots eliminate the need for an enormous customer service team and frees up employees to focus on more complex work.

  1.       Digital Integration

Consumer offerings have morphed greatly as people around the world turned to technology to read their news, talk with friends and buy their goods. As a reflection of this societal shift, newspapers are now offered as online subscriptions and banking is almost always done online. Though small, these changes reflect a wider demand from consumers for all aspects of their life to have some level of digital integration.

We Are Social Identified that 55% of Australians prefer to do tasks digitally wherever possible. With thousands of Australians waking up to ask Google Home what the weather is today, and taking recommendations from Siri about where to get their morning coffee, it is clear that brands who fail to adapt to the digital landscape will quickly fall behind.

The rise in popularity of apps from major retails brands including ASOS and The Iconic are matched by the introduction of apps from major QSR providers such as McDonalds and KFC. For those who aren’t on a scale where they can build their own app, many brands are turning to intermediary apps like Uber Eats to reach out digitally to consumers.

  1.       Personalisation

Mass produced products are no longer golden in the eye of consumers, despite offering a lower-price point and often widespread availability. As marketers employed strategies centred on individualisation to capture consumers attention, this level of personalised service has become the norm.

What started at as an EDM that Read: Dear Michelle, rather than: Dear Reader has now become a widespread obsession with ultra-personalised offerings on both the goods and services fronts. With brands such as The Daily Edit offering consumers monogrammed products through to companies that allow you to handcraft a whiskey to suit exactly your tastes, anything that seems remotely standard is lost amongst the sea of tailor made products. Whereas on the service front concepts such as personalised learning begin to take centre stage.

The popularity of personalisation doesn’t have to be seen as an extra expense to brands however, with this trend providing an opportunity for brands to learn more about their customers and their preferences, strengthening their relationship with the client.

  1.       An Experience

Finally, something that has been slowly integrating itself into almost every aspect of a brands service offerings is the concept of an experience. There was no one point over the past few years where the atmosphere of a restaurant become almost as important as the food, but rather this was something that happened over time.

Fuelled by a more widespread change of consumers valuing experiences over things, characteristics including aesthetics, service and atmosphere have become just as important as food quality and range. Brands that can offer an experience that is unique and iconic will see great success, with many consumers seeking authenticity in the brands they choose to spend with.

This trend is not limited to the food service industry, with millennials taking a different path than those before them and opting to value experiences that make them happy over material goods. This has resulted in an increasing in spending across travel, leisure and entertainment, with these same experiences often used as a tool for people to define themselves to their friends on social media.

The Take-away

It is clear that no matter what industry you are in, what consumers want is changing, and brands value propositions must change to reflect that if they want to stay competitive in the market. No doubt that in three years’ time consumer preferences will have seen another major shift, and one again, brands will have to follow suit.

Why Mobile Franchising Is Having a Moment In The Spotlight

Many looking to break into the world of small business ownership through franchising a seeking an option with low initial investment but opportunity for future growth. For a long-time mobile franchises have offered the solution.

Mobile franchising offers a broad range of benefits to its owners and operators. Initially, the buy in is often low and start-up costs are minimal without the need for a large initial fit-out. In the long term the lack of a lease and few secondary employees to pay produces lower overheads, allowing franchisees to maximise on profit. In addition to the financial perks, mobile franchising is often considered a lifestyle choice, allowing for more flexible working hours and more control.

Mobile franchisees also report having strong customer relationships, and invest little into marketing as their mobile business offers great exposure. Considering long-term growth, mobile franchisees can expand into a broader geographic market without having to invest in a second location, a known limitation of the traditional bricks and mortar model.

With all these benefits it is no surprise that mobile franchises are becoming a popular choice among aspiring franchisees. While Mobile franchises may be limited in the minds of consumers to portable dog washes or home cleaning services, this micro-sector of franchising has seen a wealth of innovation and growth.

Consumer demand for convenience is driving industry growth, and as a result the goods and services offered by mobile franchises are expanding. With pop-up markets and mobile events appearing frequently on consumers marketing calendars, the industry has responded with food trucks and and bars. Other fresh ideas to the mobile franchise market include group finesses classes, home improvement service and even innovative concepts such as within the hour alcohol delivery for parties.

Mobile Franchises offer a unique opportunity for franchisees to invest in a business that can be flexible to their lifestyle, sensitive to their budget and move with them wherever they may go. On top of this, the mobile model is better able to adapt to changing trends and consumer preferences, without the confines of a bricks and mortar model that required significant financial investment to adapt.

Food Delivery & The Changing Landscape Of The QSR Industry

Food Delivery & The Changing Landscape Of The QSR Industry

Since the rise of independent food delivery services such as Uber Eats and Deliveroo, the Australian market has seen the disruption of its traditional dine in and take away models. With consumers investing millions in food delivery there is speculation over where the future of the food industry is heading. Over time consumers preferences have changed from dine-in to drive-through and now as eating in becomes the new eating out, food delivery is becoming king.

Australian restaurants have been quick in adopting the use of food delivery apps, as it broadens their potential market and provides another channel to get food into the customers’ hands. Another driving force behind the rapid uptake is fear of being left behind, as many of those who don’t get on board face a drop in business.

As a result of the growing demand placed upon restaurants to adopt one of the many food delivery services, some restaurants are opting to open a separate kitchen in a more affordable industrial area. Often referred to as ‘Black Kitchens’ or ‘Dark Kitchens’, these locations are not customer facing and operate purely to meet the demand for food delivery whilst offsetting the costs.

However, for Quick Service Restaurant (QSR) Franchises there are more barriers to entry, with the implications of adapting their service models often proving costly. Many QSR franchise systems are keen to get on board the food delivery trend, and for individual franchisees, apps such as Uber Eats offer a more affordable option than employing their own full-time delivery drivers.

Despite the image of convenience and affordability these services offer to businesses, with franchisees already required to pay royalty on their sales, the concept of paying a fee to a food delivery service can mean a significant cut to profits. Although it is not officially published, most businesses say that they are being charged between 25-35% of the order total for the delivery service.

This is where the issues arise, as franchisees often have to pay royalty on the full price charged to a customer, and for sales made through a food delivery app, the cost of the service fee to the delivery company isn’t taken into consideration. As a result, franchisees profit is being reduced dramatically and this can pose a threat to the long term operation of the business.

As this dilemma places many franchisees in a battle between generating profits and adapting to meet customers’ needs, there has been a call for franchisors to take a second look at their franchising agreements, and make changes to address these rapid movements in the food service industry.

As independent food delivery services continue to gain popularity, it is clear that consumers’ preferences are changing, and whilst challenging, it is vital that businesses in the QSR industry move quickly to reflect this.

Big Names Take On The QSR Model


Is there a trend for big name restaurants to delve into the QSR industry?

As the dining options available to Australian consumers continue to expand both in terms of food variety and service models, is Hogs Breath the first of many in the trend of big name dine-in restaurants jumping across to the quick service model?

After the successful launch of the very first Hog’s Express in Brisbane’s Myer centre late last year, the second of its kind is opening at Mandurah Forum, WA. The new fast food-esque version of the classic Australian brand is set to roll out across the country throughout the year.

Hog’s Express allows customers to get their favorite menu items but without the wait time. The Mandurah Forum location also offers a wealth of entertainment with a multimedia suite to watch the game, a PlayStation and playground for the kids. Along with the offer of ‘Kids Eat Free’ it’s hard to see why customers would go back to the more traditional table-service locations.

CEO Ross Worth speaks of the change saying “We know that consumers are increasingly busy and looking for quick, accessible and inexpensive food options, so we’re excited about the future of this model…”

Worth also notes the versatility of the new model, suggesting that it will allow the Hog’s bran04d to reach consumers in locations that were not realistic before, continuing to say they may “pop up anywhere from shopping centre and petrol stations, to airports and cinemas.’

Looking at this trend on a larger scale, the Australian restaurant industry is moving towards this new concept. Dubbed ‘fast casual’, the model allows restaurants to offer their same high quality food to consumers but in a faster no-wait service environment.

Why You Should Consider Local Area Marketing

Why You Should Consider Local Area Marketing

Local area marketing (LAM) is the activities undertaken by franchisees to market and advertise within their local communities. Unfortunately, many franchisees choose to cap their marketing efforts at their contribution to their franchises national marketing fund, failing to realise the impact LAM can have on their business.

Whilst LAM can be vital to the success and growth of an individual franchise, franchisors often make it difficult for franchisees to feel as though they can undertake such activities, due to strict terms in their Franchise Agreements and a lack of support and guidelines. Often such agreements stipulate that franchisees must gain approval to conduct LAM, which isn’t without reason, as franchisors have worked hard to create and maintain a particular brand image. However, franchisees often find themselves lacking any guidance or materials to take the next step without potentially compromising the brands national image.

Nevertheless, LAM can be the element that makes or breaks an individual franchise, and franchisees should develop a plan to appeal to their local area and seek approval from their franchisor to launch it.

LAM has a wide range of benefits, including increased awareness, engagement and reach amongst the local community. It also aids in building customer loyalty and gaining repeat business. For franchisees, establishing a positive brand image within their local market is what will help the business survive long-term.

Often, especially with the rise in popularity of independent small business, consumers are turning away from the concept of large national chains, and feel driven to support local business. This is why it is key that franchisees are able to make this connection with their local community, and ensure that consumers can see they are one in the same.

Whilst LAM can be done through many channels, social media pages continue to prove the most popular form of community outreach. However, involvement in local events can be a highly effective awareness building tool, and sponsoring of local clubs and sporting teams can further cement customer relationships.

The good news is, LAM doesn’t just benefit the individual franchise, but can help build upon the reputation of the brand as a whole. Research by The Nieman Journalism Lab shows that social media posts targeted to smaller geographic locations are six times more successful than globally targeted posts. The high levels of success achieved through LAM suggests that franchisors should be taking action, encouraging their franchisees to invest in LAM, and providing the support and materials to help them do so in line with the national brand image.

In the start-up and expansion stage of a franchise, the majority of capital often goes to funding equipment and fit-outs, leaving very little capital left to invest in Local Area Marketing. If you’re starting your first franchise, or expanding to more locations, Cashflow It provides equipment financing so that you can channel your capital into marketing and advertising, to help grow your business.

Cashflow It provides various financial solutions, so if you want to hold onto your capital to invest in Local Area Marketing, apply online now. 

Wrap Up: FRI Field Manager Boot-camp

As a proud partner of the Franchise Relationships Institute, Cashflow It regularly attends events and workshops hosted by the company. Most recently, the team enjoyed a two day boot-camp designed for field managers, to give them the tools they need to drive positive outcomes with their franchisees.

Hosted by FRI’s Jewli Turier, the two day interactive boot camp brought together field managers from different brands and of different expertise to share their experiences and knowledge about their role in the field, whilst learning some new skills.

Kicking off with an FRI favorite, the Group Scoop, the room was able to share what they hope to gain from the experience, setting up the discussions for the coming days. Following this, the group undertook some exercises to better understand the franchise relationship through a holistic approach, and the values on which the relationship is built. We continued to discuss strategies to manage the franchisee and franchisors expectations and what the responsibilities of each party are.

Later in the day, Jewli delved into the FRI’s most successful models, The Franchisor and Franchisee Wheel of Excellence and The Franchisee Business Journey. Next we moved onto some of the attendees favorite topics of the two day boot-camp, with an in course on utilizing Solution-Focused Coaching and the DISC Model, which built the basis for the following days activities.

Day two kicked off with a group discussion on how field managers can add value to their franchisees and how to conduct effective field visits through joint preparation, process agreements and positive follow-up. Covering another important topic, Jewli encouraged field managers to be aware of the emotional state of their franchisees and how to offer the right support at different stages of their journey as a franchise owner. In addition to this, she urged field managers to take some time to manage their own vitality in order to avoid burning out in what can be a stressful role.

Wrapping up the boot camp with a series of round tables, Jewli delivered an engaging session touching on a wide range of topics that are vital to the field manager role. All attendees felt as though they gained something from the experience, and left with renewed energy to drive positive change within their franchise network.

Franchising As A Path To Self-Employment

Franchising as a path to Self-Employment

In recent years we have seen a notable change in the way we work, with a shift away from more traditional 9-5 jobs, and a move towards more innovative employment solutions. In addition to this, there has been a spike in the popularity of entrepreneurial ventures as the concept of self-employment captivates the mind of the young workforce.

Franchise Business identified ‘Adaptive Entrepreneurs’ as one of the top 10 consumer trends for 2018, going on to say that ‘There’s a strong trend for self-employment as consumers reject traditional 9-5 working models and are prepared to take risks.’ Other sources have also noted that it is likely a lack of available jobs in more traditional sectors of the market that is causing people to look into these alternative paths.

The franchise industry presents itself as a great opportunity for those looking to be their own boss and have more control over their employment situation. Despite slow economic growth across the country, the franchising sector continues generate solid results, employing approximately 472,000 people and pouring almost $150 billion into the economy, says Eden Exchange.

Furthermore, looking at a smaller segment of the Australian market, Raghu Rajakumar, director of the Eden Exchange, notes a 50% increase in franchise applications in Victoria compared to this time last year. Figures like this make it clear that whether it be an opportunity to launch into a new career, or the appeal of being one’s own boss, the franchise industry is booming as Australians make the move.

Taking the step from employee to self-employed can be daunting, and the cost of opening a franchise can require a lot of capital. If you’re looking at making the move but are a start-up franchise business who cannot obtain government funding, or doesn’t have the backing of private investors and don’t want to give away a controlling share of your business, debt finance could be the path for you.

Instead of purchasing the equipment you need outright at the start and using up valuable capital which may be needed at a later stage to promote or expand the business, get franchise equipment funding through a company like Cashflow It.

At Cashflow It we aim to take the confusion and the hassle out of your asset financing. We do this through our simple and fast application process, transparent contract, manageable payments, excellent customer service and solutions to suit your needs.

Top EOFY Tips

As End of Financial Year (EOFY) quickly approaches, we look at 3 ways in which businesses can prepare, and 3 things consumers can do to make the most out of tax time. No matter if you’re running a business, or working for one, EOFY can be a stressful time. Here we discusses some simple things you can do to make the process as smooth as possible.

For Businesses:

Seek Expert Advice
No matter if you’ve been in the game for years or if this is your first financial year wrap-up as a business owner, it is always important to seek expert advice. If you’re ever unsure, the best choice is to consult someone who can look over your paperwork and make sure everything is compliant.

Claim Your $20,000 Asset Write-Offs
The Australian government offers an instant write-off scheme to qualified small businesses at EOFY. Any new assets purchased that are under $20,000 and installed by June 30 can be written-off instantly, and there is no limit to the number of assets. This is a great opportunity for start-ups or small businesses looking to upgrade their equipment and don’t want to wait the usual 5 years to see the return.

Get Everything In Order
Potentially our number one tip for businesses come tax time is to make sure everything is in order. Review your cash flow to ensure any big ticket items are accounted for and take some time to look at employee contracts and superannuation to make sure everything is up to date. Whilst this might seem like a minor thing, it can help avoid any major surprises come the EOFY, and also allows you to lodge your tax ASAP and realise the returns sooner.


For Consumers:

Contribute To Your Superannuation
Not only is paying a little extra into your superannuation account a great strategy to reduce the tax you pay this June, but will help set-you up in the long-term if you make it a yearly habit. Talking with your employer about salary sacrificing some of your income pre-tax can put more dollars in your pocket for retirement and reduce the income you’re taxed on. If you can’t salary sacrifice, not to worry, you can claim post-tax contributions as deductions!

Donate To Charity
If you’ve already given a little extra to your future self-through your superannuation, why not consider giving a little something to others through a charitable donation. Doing so is not only going to help a good cause but can even have a positive impact on your tax bill. Donations are often tax-deductible and can therefore help reduce your debt or grow your refund.

Make That Big Purchase You’ve Been Thinking Of
Just as you are trying to better your position come EOFY, so are business owners. Clearing out old stock has been a long-time strategy to help businesses get a better outcome during tax time and they are not the only ones who benefit. As a consumer you can score a big discount on a range of big-ticket items in the lead up to June 30. Whilst most people think this is limited to cars and white-goods, you can even get discounts on items such as holiday packages.

Health & Wellness In The Franchise Industry

Health & Wellness In The Franchise Industry

Over the years the franchise industry has seen a number of trends come and go, but one that has been on a steady growth path from its beginning is health and wellness. Business Franchise Australia states that ‘Over the next two decades, no market is likely to see better growth in Australia than preventative health and wellness services.” To no surprise the franchise industry is reflecting this, with 24/7 gyms and health-centric eateries popping up on every corner.

Influential sources ranging from social media to the Government are stressing the importance of maintaining a healthy lifestyle, and in response business owners are adapting in order to accommodate this ever-growing consumer demand. It’s no secret that businesses who are able adopt the healthy living mantra will see great success and potential for growth in coming years, and the good news is, it’s easy to get on board.

With a wealth of new and fresh, alongside trusted and established brands, there is every opportunity for entrepreneurs to expand into the health and wellness market. Through the Cashflow It Franchise Accreditation System, accredited franchise partners have access to pre-approved funding so that they can get their franchise up and running without delay.

Experiencing great success in the health and wellness market is Cashflow It’s accredited franchise, Coco Bliss. With a simple mantra of – eat pure, nutritious and raw whole-foods, Coco Bliss embodies everything consumers love about healthy and mindful eating, and is looking for franchisees to help bring their offerings to even more consumers.

Through Cashflow It’s Franchise Accreditation System, Coco Bliss’s existing and aspiring franchisees are able to access finance to fund equipment and site fit-out through a simple application process that reduces the challenges of securing funds.

Accreditation is a powerful tool to assist in the growth of franchise networks, simplifying the process for both franchisors and franchisees. As Australia’s experts in Franchise Equipment Finance, Cashflow It offers pre-approved finance for a wide range of accredited brands.

As specialists in the franchise financing industry, Cashflow It aims to make the process as simple, fast and transparent as possible with an easy online application, quick service and easy to understand contract.

Looking To Refresh Your Franchise Front?

Looking To Refresh Your Franchise Front?

Whether it is fitting out your first franchise, or refurbishing an existing one, funding new equipment can be a big hit to a franchisees financing and draw vital capital away from other facets of the business. Fortunately, there is alternate options to financing fit-outs and refurbishments with your hard earned capital. Financing the equipment is the smart solution that provides minimal asset risk and allows you to retain your money to invest in other elements of your franchise.

Cashflow It® can finance just one item of equipment or provide entire fit-outs and store refurbishment financing for serialised and non-serialised assets. We also finance custom-made equipment.

In the past we have financed full store refurbishments for hospitality businesses, gyms and pharmacies. Some examples of equipment financed include fridges, freezers, furniture for full store fit-outs, point of sale systems and even display cabinets. Funding your new commercial equipment is a smart alternative to purchasing the equipment outright at the start, which would involve outlaying a substantial amount of money that could be funneled into other aspects of the business to fuel growth.


Some of the benefits of having your new commercial equipment financed through us include:

  • Retaining your capital during your start-up and expansion phases. Having this capital available will benefit your business’ marketing and expansion.
  • We offer competitive rates with our rental, leasing or business loan option. Payment options are simple and manageable.
  • Unrivalled customer service available 24 hours a day, every day of the week.
  • In most cases, no personal security is required.
  • You can choose between contract terms ranging from 1 to 5 years.
  • Repayments can be 100% tax deductible.
  • The process is quick and convenient. 
  • On our rental solution, there is an option to return the equipment.

We are specialists in the franchise financing industry and our directors have more than 2 decades of experience in the sector. We aim to make the process as simple, fast and transparent as possible with an easy online application, quick service and easy to understand contract.

Store refurbishments financing, for one or more pieces of equipment or the entire store fit-out can be applied for online via our website. The process is simple and fast.

  • To begin, find the equipment you need at a reputable supplier or shopfitter in Australia.
  • Then apply online on our website, sending us the quote/invoice and selecting the option that best suits you from our rental, lease or business loan solutions.
  • We will assess your application and have you approved, generally within 24 hours.
  • We’ll raise the contracts and email them to you. We’ll also pay the supplier so that the goods can be delivered to you. It’s that simple.

Whether you’re store needs a full face-lift, or just one piece of equipment replaced, Cashflow It can help.