As easing monetary policy and improved business conditions spark a 3% rise in commercial credit demand, Australian SMEs stand at a crossroads. While the macro environment is warming up, the landscape is far from uniform. For business owners considering finance, the difference between success and stagnation isn't just about getting approved—it is about having a strategy before  you apply. A Tale of Two Economies The latest data reveals a "deep divide" in the SME sector. On one