Guides
Guides for every industry
Researched, plain-English guides on the things that shape a business loan whatever you do — and honest about what lenders look at. New guides are added regularly.
Buying a businessTax, credit & low docApplying & refinancingProperty-secured loansBuying & building a businessCash flow & working capitalAsset & equipment financeTrade & invoice financeStock, orders & franchisesIndustry deep-diveComplianceApplyingNumbersSecurityCash flowTough times
Rent Roll Finance: How Much Will a Lender Lend You?
Rent roll finance explained: how fee income becomes a price, the share a lender will fund, and the retention clause that quietly changes your deposit.
22 October 2026
ATO Audit Bill: How to Pay an Amended Assessment
An ATO audit or review ended with an amended assessment you can't cover? See what's in the bill, the 21-day deadline, and how a business loan can clear it.
17 October 2026
ATO Failure to Lodge Penalty: What It Costs in 2026
ATO failure to lodge penalty explained for 2026: the new $364 penalty unit, how each overdue BAS adds up, when it can be remitted, and why lenders care.
17 October 2026
ATO Payment Plan in a Debt Consolidation: In or Out?
On an ATO payment plan and consolidating business debts? When to pay the ATO out, when to leave the plan alone, and the timing trap that can default it.
17 October 2026
Bridging Loan With ATO Debt: Can You Still Buy Premises?
Owe the ATO and need a bridging loan to buy before you sell? How lenders view tax debt on a bridge, how the ATO can reach sale proceeds, and how to plan it.
17 October 2026
Business Owner Sick or Injured? Funding the Gap
Owner off sick or injured and takings dropping? The first calls to make, how lenders view a business run by someone else for a while, and when a loan helps.
17 October 2026
Business Partner With Bad Credit? Can You Still Borrow
Co-director or business partner with bad credit? How lenders weigh each owner's credit file, who has to sign, and the structures that still get a loan approved.
17 October 2026
Is Interest on a Business Purchase Loan Tax Deductible?
Borrowing to buy a business? See when the interest is deductible, why the use of the money beats the security, and the ATO change that caught owners out.
17 October 2026
Buying a Business With Staff: Leave Entitlements and Funding
Buying a business with staff? Learn what happens to their annual leave and service under Fair Work rules, how it moves the price, and what to borrow for.
17 October 2026
Buying a Business With No Industry Experience: Loans
Want to buy a business in an industry you've never worked in? How lenders weigh missing experience, the four things that offset it, and when property decides.
17 October 2026
Buying the Family Business From Your Parents: Funding It
Taking over the family business from Mum and Dad? How to set a fair price, fund a payout they can retire on, and keep siblings and lenders on side.
17 October 2026
Cash Flow Loans for Franchisees: Already Trading, Need Cash
A cash flow loan for an operating franchise: how lenders treat royalties and marketing levies, a franchisor-required refurb, and what's left on your term.
17 October 2026
Paid Only on Completion? Cash Flow Loans for Big Jobs
Paid only when the job's finished? How a cash flow loan bridges the gap, how lenders read lumpy deposits, and the payment-terms fix that cuts what you borrow.
17 October 2026
Caveat Loan for Payroll Tax Debt: When Property Equity Helps
Behind on payroll tax? How a caveat loan or second mortgage can clear a state payroll tax debt, what revenue offices can do first, and how to plan the exit.
17 October 2026
Changing EFTPOS Provider With Card Finance Still Owing
Want a cheaper EFTPOS terminal while still repaying card-based finance? How collection methods affect switching, the clause to check and a safe order of steps
17 October 2026
Chattel Mortgage Early Payout: Costs and Steps
Thinking of paying out a chattel mortgage early? What a payout figure includes, why it can be higher than you expect, and the steps to clear the PPSR.
17 October 2026
Check a Builder Before Your Development Loan
Construction lenders vet your builder before funding a draw. Here are the free checks to run yourself first: ASIC records, licence, warranty and red flags.
17 October 2026
Clearance Certificates: The Developer's Settlement Trap
Selling finished townhouses or lots? Without an ATO clearance certificate the buyer withholds part of the price, which can leave your construction loan short.
17 October 2026
Clearout Default on Your File? Business Loan Options
A clearout default stays on your credit file for seven years and reads worse than a normal one. What it means, how to challenge it, and how to still borrow.
17 October 2026
Co-Director Won't Sign the Business Loan? Your Options
Co-director refusing to sign the loan or personal guarantee? Why lenders need them, the compromises that often work, and what to do if you're truly deadlocked.
17 October 2026
Co-Owner Died? Borrowing Against the Property for Business
Co-owner of your property has died and the business needs funds? How joint tenancy or tenancy in common changes what you can borrow, and the first title step.
17 October 2026
Commercial Property Loan With a Short Lease Left
Buying or refinancing a commercial property whose lease ends soon? Why lenders get nervous about short leases, and five ways to strengthen your application.
17 October 2026
Company-Owned Property as Business Loan Security
Your company owns the property, so can it secure the business loan? Who signs, what lenders check on ASIC records and the group structures that need care.
17 October 2026
Premises Compulsorily Acquired? Funding the Move Early
Government acquiring your business premises? How the NSW acquisition timeline works, when compensation is paid, and how bridging finance funds the move early.
17 October 2026
Consolidating Debt Across Two Companies or a Trust
Business debts spread across two companies or a company and a trust? How lenders consolidate across a group, who signs, and the question to settle first.
17 October 2026
Construction Loan Expiring Before the Build Is Done?
Build running late and the construction loan term is nearly up? How extensions work, what lenders ask for, and when a refinance or top-up makes more sense.
17 October 2026
Construction Loan Variations: Will the Lender Pay?
Changing the build halfway through? How construction lenders treat variations, why unapproved changes freeze your next draw, and how to keep money moving.
17 October 2026
Contaminated Land and Commercial Property Loans
Buying or borrowing against a former workshop, servo or factory site? How contamination risk affects commercial property loans, and the checks to do first.
17 October 2026
Coolroom Finance for Cafés and Restaurants: What's Fundable
Funding a coolroom or freezer room? Why lenders treat panels and refrigeration differently, how your lease affects it, and the cheaper fix owners often miss.
17 October 2026
Custom-Built Equipment Finance: Funding the Deposit
Ordering a machine that must be built first? Why asset lenders fund on delivery, how businesses cover the deposit, and how to protect what you pay.
17 October 2026
Customer in Administration? What Happens to Your Invoices
Customer gone into administration owing you money? What happens to unpaid and financed invoices, the dates that matter, and how to keep your cash flow moving.
17 October 2026
Cyber Security Upgrade Finance: What You Can Fund
Firewalls, backups, new devices and setup: which parts of a cyber security upgrade can be financed, which can't, and how small businesses spread the cost.
17 October 2026
Daily vs Weekly Business Loan Repayments: Which Fits?
Daily or weekly repayments on a short-term business loan? How each rhythm hits your account, who it suits, and the quiet-week test to run before you sign.
17 October 2026
Debtor Finance Documents: The Checklist Lenders Use
Debtor finance documents checklist: aged debtors, sample invoices, customer contracts, tax status and PPSR. What lenders ask for and how to get set up faster.
17 October 2026
CBCT Scanner Finance for Dental Practices: The Full Cost
Financing a CBCT scanner? What lenders fund beyond the machine, how they treat imaging as security, the licences to sort first and how to test the payback.
17 October 2026
Disputed Invoice? Keeping Cash Moving While You Wait
A disputed invoice can freeze cash for months and invoice finance often won't touch it. How to split it, how long each step takes and how to bridge it.
17 October 2026
Easements and Covenants: Do They Affect a Business Loan?
Found an easement or covenant on your title? Which notations property lenders shrug off, which change the deal, and how to read your title before you apply.
17 October 2026
GST Debt for Online Sellers: Why It Builds, How to Fix It
Online store owing GST to the ATO? Why ecommerce GST debt builds faster than owners expect, and the ways to clear it without starving stock or ad spend.
17 October 2026
How Much EFTPOS Finance Can Your Takings Really Handle?
How big an EFTPOS or revenue-based advance can your takings carry? A simple quiet-week test, the costs owners forget, and why the biggest offer isn't safest.
17 October 2026
EFTPOS Finance Documents: What Lenders Ask You For
The documents lenders want for EFTPOS and revenue-based finance: terminal reports, bank statements, BAS and ID, plus the one report owners forget to download.
17 October 2026
Employee Theft Discovered? Funding the Hole It Left
Found out a bookkeeper or staff member has been stealing? The first steps, how to rebuild the numbers, and how lenders view a business recovering from fraud.
17 October 2026
Equipment Finance on an ATO Payment Plan: Is It Possible?
On an ATO payment plan and need a new machine or vehicle? What asset lenders check, why a plan in good standing helps, and how to present it.
17 October 2026
Equipment Finance in a Debt Consolidation: Keep or Pay Out?
Consolidating business debt? When your ute, excavator or coffee machine loan belongs in the new facility, and when equipment finance is better left alone.
17 October 2026
Equipment Finance for a Trust: Who Signs and What's Needed
Buying equipment through a family or unit trust? Who the borrower really is, what lenders ask for, and the invoice mistake that holds up settlement.
17 October 2026
Sale and Leaseback Valuations: What Your Gear Is Worth
Planning a sale and leaseback? How financiers value used machinery and vehicles, why the figure is lower than you paid, and the paperwork that lifts it.
17 October 2026
Exit a Debtor Finance Facility: Step-by-Step Guide
Want to exit a debtor finance facility? The notice periods, payout figure, PPSR clean-up and refinance options that let you leave without a cash crunch.
17 October 2026
Insurance on Financed Machinery: What Lenders Require
What insurance do lenders require on a financed truck, excavator or tractor? Interested party notes, agreed value, theft cover and the gap that bites owners.
17 October 2026
Fit-Out Over Budget? How to Fund the Gap Mid-Build
Fit-out blown out mid-build and the builder wants paying? How to size the real gap, what lenders need mid-project, and the mistake that makes it worse.
17 October 2026
Fixed-Price Job Over Budget? Funding the Gap to Finish
Materials jumped after you quoted and the fixed-price job is short. How to size the gap, which working capital fits, and what lenders ask before they help.
17 October 2026
Fixed-Price vs Cost-Plus Contracts for Construction Loans
Fixed-price vs cost-plus building contracts for small developers: why construction lenders prefer a fixed price, Victoria's limits, and how to handle PC sums.
17 October 2026
Flood or Bushfire Zone Property as Business Loan Security
Can flood, bushfire or cyclone-prone property secure a business loan? What lenders and valuers check, how to find overlays, and the insurance proof to have.
17 October 2026
Floor Plan Finance for Dealers: How It Works in Australia
Floor plan finance for car, caravan, boat and machinery dealers: how each unit is funded, repaid and audited, and the one mistake that ends facilities.
17 October 2026
Franchise Finance Timeline: How Long Does It Take?
How long buying a franchise with finance really takes: the 14-day disclosure rule, the 42-day transfer window, cooling-off and where your loan fits in.
17 October 2026
Franchise Refurbishment Finance: Funding a Required Refit
Franchisor asking for a refurbishment, rebrand or equipment upgrade? What the 2025 franchising code says about capital spending, and how franchisees fund it.
17 October 2026
Freight Surcharges Up? Working Capital While You Reprice
Carrier fuel surcharges hit this month, but your price rises take weeks to land. How to measure the squeeze, reprice fast and bridge the working capital gap.
17 October 2026
Gas to Electric Commercial Kitchen: Costs and Finance
Going induction? What a gas-to-electric commercial kitchen conversion involves, the hidden power upgrade, and how cafés and restaurants fund the switch.
17 October 2026
GST on Unpaid Invoices: Getting It Back From the ATO
Paid GST on an invoice your customer never paid? See when the ATO's bad debt adjustment applies, the 12-month rule, and how to cover the cash gap meanwhile.
17 October 2026
GVM Upgrade Finance: Can You Finance a Ute Upgrade?
Can you finance a GVM upgrade on a work ute? Why timing before or after rego changes everything, the 4.5 tonne licence line, and what lenders need to see.
17 October 2026
Heritage-Listed Property as Business Loan Security
Heritage-listed property as business loan security: how listings and overlays affect value, what lenders ask about permits, and how to avoid a slow valuation.
17 October 2026
Hire or Finance Seasonal Equipment? Doing the Sums
Need a machine for only a few months a year? A simple break-even test for hiring versus financing, the hidden costs on both sides, and the middle road.
17 October 2026
Holiday Home as Business Loan Security: What Lenders Check
Can the beach house or short-stay rental secure a business loan? What lenders check, how the tax side works and why it can beat risking the family home.
17 October 2026
Home Equity Business Loan and CGT: Main Residence Rules
Borrowing against your home for the business? Why the mortgage itself doesn't touch your main residence exemption, and the home-office detail that can.
17 October 2026
Home Equity Business Loan: Your Name or the Company's?
Using your home to fund your company? Whether the company or you should be the borrower, who signs what, and the record-keeping that saves pain at tax time.
17 October 2026
Home Warranty Insurance and Your Construction Loan
Why construction lenders want the home warranty certificate before the first draw, the NSW, Victorian and Queensland thresholds, and what stalls small projects.
17 October 2026
Hospitality Equipment Finance With Bad Credit: What Works
Bad credit and a kitchen that needs new gear? How lenders weigh defaults and ATO debt for cafés and restaurants, and the moves that improve your odds.
17 October 2026
Import Finance When a Shipment Is Held at the Border
Import finance when a shipment is held or delayed: how holds hit your repayment clock, the costs that pile up, and the funding moves that keep stock flowing.
17 October 2026
Interstate Property as Business Loan Security: How It Works
Using interstate property as business loan security: which state's rules apply, how settlement works without travel, and the caveat detail that varies.
17 October 2026
Invoice Finance With an ATO Debt: Can You Still Get It?
Invoice finance with an ATO debt: when lenders say yes, why a garnishee on your customers worries them, and how a payment plan changes what's on offer.
17 October 2026
Are Invoice Finance Fees Tax Deductible? A Plain Guide
Are invoice finance fees tax deductible? How discount fees, service fees and set-up costs are usually treated, the GST wrinkle and the records to keep.
17 October 2026
Invoice Finance for Government Contracts: Worth It?
Invoice finance for government contracts: how Commonwealth payment terms work, why suppliers still run short of cash, and what lenders check first.
17 October 2026
Invoice Finance for Supermarket Suppliers: Fund the Wait
Invoice finance for supermarket and grocery suppliers: how the food and grocery code affects payment, why big orders strain cash, and what lenders check.
17 October 2026
Invoice Finance for Labour Hire: Pay Weekly, Bill Monthly
Invoice finance for labour hire firms explained: how it covers weekly payroll while clients take 30-60 days, what lenders check and the licence trap to avoid.
17 October 2026
Landlord Called Your Bank Guarantee? What to Fund Next
Landlord drew on your lease bank guarantee? How the money flows back to your bank, the top-up your lease may demand, and how to fund it and keep the premises.
17 October 2026
Landlord's Works vs Tenant's Works: Who Pays in a Fit-Out?
Before you sign a lease, know which fit-out works the landlord pays for and which land on you. The disclosure traps, the cost cap, and what to borrow for.
17 October 2026
LED Lighting Upgrade Finance for Business: Subsidies First
Upgrading a shop, warehouse or office to LED? Check state subsidies before you borrow, then see how lenders fund the balance so savings help with repayments.
17 October 2026
Line of Credit Bookkeeping: Draws, Interest and GST
Draws aren't income, repayments aren't expenses and interest has no GST. How to record a line of credit or overdraft so your BAS and your lender agree.
17 October 2026
Line of Credit for Private Bills? The Tax Catch
Paid school fees or a holiday from your business line of credit? How the ATO splits the interest, why repayments can't undo it and the cleaner set-up.
17 October 2026
Can You Lose Your House Over a Business Loan?
Worried your home is on the line for a business loan? When it really is at risk, how enforcement unfolds step by step and how to protect it before you sign.
17 October 2026
Low Doc Equipment Finance: Buying Gear Without Tax Returns
Need a ute, machine or kitchen gear but your tax returns aren't done? How low doc equipment finance works, what replaces financials and what lenders check.
17 October 2026
Low Doc Business Loans for a Family Trust: What to Provide
Trading through a family trust with tax returns behind? How low doc lenders assess a trust, who signs, what the deed must show and what replaces financials.
17 October 2026
Low Doc Loan With Only One or Two BAS Lodged
Just registered for GST with only one or two BAS lodged? How low doc lenders read a short BAS history and what fills the gap until you have a full year.
17 October 2026
Medical Equipment Finance Documents: The Practice Checklist
The documents lenders ask for when a clinic finances medical equipment, how the list changes for new practices, and the small gaps that slow approvals.
17 October 2026
Missed a Line of Credit Repayment? What Happens Next
A missed line of credit or overdraft repayment is rarely fatal, but silence makes it worse. What lenders do, what hits your credit file and the 48-hour plan.
17 October 2026
Can't Make a Seasonal Machinery Repayment After Harvest?
Poor harvest and an annual header or tractor repayment due? What to do before it's missed, how lenders handle seasonal hardship, and free help farmers skip.
17 October 2026
Moving Your Overdraft to Another Lender: Switch Plan
Moving your overdraft away from the bank? The order to do it in, what happens to the bank's security, and the direct debits that trip up most switches.
17 October 2026
Just Left Your Job to Go Out on Your Own? Startup Loans
Just resigned to start your own business? How lenders weigh your employment history, why your first client list matters, and what to set up in month one.
17 October 2026
New Business Loan With Bad Credit: What's Realistic
Starting a business with a default or bad credit? What lenders weigh instead, why property security matters most, and the credit report check to do first.
17 October 2026
Buying Your Next Site Before the Last Project Sells Out
Found the next site but your equity is stuck in unsold units? Three ways developers fund the deposit and settlement early, and the cross-security trap.
17 October 2026
Non-Recourse Factoring: Who Wears an Unpaid Invoice?
Non-recourse factoring vs recourse explained: who carries the loss if a customer doesn't pay, what 'non-recourse' rarely covers, and the clause to read first.
17 October 2026
One-Off Deposits on Bank Statements: Do They Count?
A grant, insurance payout, vehicle sale or your savings on your statements? How lenders treat one-off deposits, and the short note that heads off questions.
17 October 2026
Operating Lease Return: Avoiding End-of-Lease Charges
Returning leased equipment soon? What fair wear and tear usually means, the charges that catch businesses out, and a 90-day plan to hand it back clean.
17 October 2026
Overseas Director? Getting an Australian Business Loan
Australian company with a director overseas? How lenders handle offshore directors, guarantees and signing, and the setup that keeps a loan moving.
17 October 2026
Owner-Driver Truck Finance: Funding Your First Truck
Owner-driver truck finance for drivers leaving a wage: what lenders want from a first-time operator, the deposit question and the paperwork that tips it.
17 October 2026
Partner Buyout After Death or Illness: Funding the Payout
When a business partner dies or can't work, the surviving owner often has to buy their share. How buy-sell agreements, insurance and loans fit together.
17 October 2026
Partner Buyout When the Company Owes the ATO: What to Do
Buying out a co-director while the company has an ATO debt? Why the departing director still cares, how DPN rules shape the deal and how buyouts get funded.
17 October 2026
Pay a Default Before Applying for a Business Loan?
Default on your credit file? When paying it before a business loan application helps, when it doesn't, and how to pay it so a lender sees the change.
17 October 2026
Pay Off the Home Loan or Keep Equity for the Business?
Pay the mortgage down fast or keep equity on hand for the business? How offset, redraw and a separate facility compare, and the tax trap in redrawing.
17 October 2026
Plant Hire Fleet Finance: Funding Machines to Hire Out
Plant hire fleet finance explained: how lenders assess machines you'll hire out, utilisation, dry vs wet hire, and the PPSR step hire businesses often miss.
17 October 2026
Pre-Season Hiring Loan: Paying Staff Before the Rush Pays
Hiring and training seasonal staff weeks before the busy season pays? How a pre-season hiring loan works, the costs to budget and how Payday Super changes it.
17 October 2026
Presale Fell Through at Completion? A Developer's Options
An off-the-plan buyer can't settle and your construction loan is due. The developer's options, what each costs, and when refinancing the stock makes sense.
17 October 2026
Private Business Loan: Gross Loan vs Net Advance
Why the cash from a private business loan is less than the loan amount, what comes out at settlement and how to work back from the figure you actually need.
17 October 2026
Unfair Contract Terms and Your Private Business Loan
Does the unfair contract terms law cover your private business loan? Who qualifies, which clauses can be challenged and the terms to read before you sign.
17 October 2026
Are Private Mortgage Fees Tax Deductible? What the ATO Says
Are private mortgage fees tax deductible? How the ATO treats set-up, valuation and legal fees on a second mortgage or caveat loan, and the timing trap.
17 October 2026
Product Recall Cash Flow: Funding Refunds and Stock
A product recall drains cash fast: refunds go out now, recoveries come later. What the ACCC expects in 2 days, how to size the gap and which funding fits.
17 October 2026
Prohibition Notice? Funding the Fix to Get Back to Work
Hit with a prohibition or improvement notice? What each one means for trading, how to price the fix, and how emergency funding gets work running again.
17 October 2026
Financed Order Cancelled or Rejected? What Happens Next
Your customer cancelled or rejected goods you used purchase order finance to buy. Who owes what, what happens to the stock, and the first five moves to make.
17 October 2026
Purchase Order Finance Documents: The Lender's Checklist
The exact documents purchase order finance lenders ask for, why each one matters, and the one customer check you can run yourself before you even apply.
17 October 2026
Purchase Order Finance for a New Business: Is It Possible?
Can a new business get purchase order finance? What funders weigh instead of trading history, and how to make your first big order fundable.
17 October 2026
Related-Party Leases: Owning Premises Your Business Rents
Own your premises in one entity and lease them to your trading business? How lenders assess a related-party lease, and the paperwork that eases the loan.
17 October 2026
Using a Rental Property as Security for a Business Loan
Rental property as business loan security: what happens with the tenants, why a redraw on the investment loan can muddy your tax, and the cleaner option.
17 October 2026
Renting Unsold Units While You Sell: Residual Stock Guide
Thinking of leasing unsold new units while you wait for buyers? How renting affects GST, a residual stock loan and your sell-down, and what to sort out first.
17 October 2026
Residual Stock Loans for Unsold Warehouse and Office Units
Finished an industrial or office strata project with units left? How lenders size residual stock loans on commercial units, and why the sell-down runs slower.
17 October 2026
Residual Stock Loan Documents: What Lenders Ask For
The documents a residual stock lender asks for on completed units, why each one matters, and the two certificates that most often hold up a refinance.
17 October 2026
Is Revenue-Based Finance Tax Deductible? The Fee Explained
Is the fee on revenue-based or EFTPOS finance tax deductible? How the cost is usually treated, why GST rarely applies and the records your accountant wants.
17 October 2026
State Revenue Caveat on Your Title: Can You Still Borrow?
Revenue office caveat on your property title? How it blocks a sale or refinance, how a secured loan can pay it out at settlement, and what to gather first.
17 October 2026
Sale and Leaseback to Pay an ATO Debt: How It Works
Own trucks or machinery outright and owe the ATO? How a sale and leaseback releases cash for the tax, what financiers check, and the GST question to ask.
17 October 2026
Seasonal Loan Repayments: Can You Pay Only in Busy Months?
Can a seasonal business make loan repayments only in the busy months? Four structures that come close, what lenders need to see and how to choose.
17 October 2026
Seasonal Repayments for Hospitality Equipment Finance
Coastal café, ski-town bar or summer-only kiosk? How seasonal and structured repayments on hospitality equipment finance work, and how to time the purchase.
17 October 2026
Dental Chair Finance: Will Another Surgery Pay for Itself?
Thinking of adding a dental chair? How to cost a new surgery, fund the chair and room separately, and test whether extra appointments cover the repayments.
17 October 2026
Second Franchise Outlet Loan: Funding Your Next Site
Opening a second franchise outlet? How lenders use your first store's trading, what worries them about multi-site owners, and how to structure the loan.
17 October 2026
Property Insurance for a Secured Business Loan
Securing a business loan with property? The building insurance lenders expect, what to send before settlement, and what changes in flood or cyclone zones.
17 October 2026
Selling Equipment With Finance Owing: How It Works
Selling a machine or vehicle with finance still on it? Which structures let you sell, how the payout and PPSR work, and what to do if the sale falls short.
17 October 2026
Sell or Hold Finished Development Stock? The Finance
Finished the build and tempted to keep a few townhouses? How lenders treat held stock, what refinancing needs, and the tax and holding costs to price in first.
17 October 2026
Selling a Business With an EFTPOS Advance Still Owing
Selling a business with an EFTPOS advance still owing? How the balance is usually cleared at settlement, what buyers check, and the payout step owners forget.
17 October 2026
Share Buy-Back Loans: Funding a Shareholder's Exit
Can a company borrow to buy back a departing shareholder's shares? How selective buy-backs work, the ASIC steps and timing, and what lenders check first.
17 October 2026
Slow-Moving Stock: How to Free Up Cash Before You Borrow
Slow-moving stock quietly drains cash and weakens a loan application. How to spot it, turn it back into money, and how lenders view old stock on your books.
17 October 2026
Small Farm Tractor Finance: Business or Hobby?
Want tractor finance for a small farm or acreage? How lenders and the ATO decide if it's a primary production business, and what to show so it reads right.
17 October 2026
SMSF Property as Business Loan Security: Can You Use It?
Can SMSF property secure a business loan? Why super fund assets can't back your borrowing, what the ATO rules say, and where the equity can come from instead.
17 October 2026
Spec Home Finance for Builders: What Changes
Building a spec home to sell? How lenders fund a builder's own project, why your margin isn't counted as cash, and the insurance and GST steps often missed.
17 October 2026
SPV Company for a Development Loan: Do You Need One?
Should your next development sit in its own company? Why lenders like a single-purpose SPV, what it won't protect, and the setup steps to do before you sign.
17 October 2026
Stock Bought With a Business Loan: Is It Tax Deductible?
Is stock bought with a business loan tax deductible? How the ATO treats the stock, the interest and the loan, and why a 30 June stock buy may not cut tax.
17 October 2026
Stock Turnover and Business Loans: What Lenders Read Into It
How to work out your stock turnover in ten minutes, what lenders read into it when you apply for a business loan, and how to explain a slow number.
17 October 2026
Can You Use Your Super to Pay Business Debts?
Hoping to tap super to clear business debts or ATO arrears? What early release really covers, the SMSF trap to avoid, and why home equity is the usual route.
17 October 2026
Key Supplier in Administration? Funding the Switch
Main supplier in voluntary administration and your deposit is stuck? The timeline to expect, where the cash gap comes from and how to fund a new supplier.
17 October 2026
Trading Name vs Legal Name on a Business Loan Application
Your sign says one name, your ABN another and your bank account a third? Which name a lender needs, why mismatches stall business loans, and a 10-minute fix.
17 October 2026
Truck Body Finance: Tippers, Fridge Pods and Tautliners
Truck body finance explained: why lenders value a tipper, fridge pod or crane differently from the cab chassis, and how to quote a build so it's easy to fund.
17 October 2026
Truck Finance With an ATO Debt: Can You Still Get One?
Can you get truck finance with an ATO debt? How lenders read a tax debt, why a payment plan you're keeping to matters, and the 28-day window to watch.
17 October 2026
Truck Finance and Freight Contracts: Matching the Term
Won a freight contract and need trucks for it? How lenders read the contract, why the loan term and contract term must line up, and the clause to check first.
17 October 2026
What Turnover to Put on a Business Loan Application
Gross or net? With GST or without? Last year or the last 12 months? How to state turnover on a loan form so it matches what lenders find in your statements.
17 October 2026
Unsecured Business Loan With Your Lease Ending Soon
Unsecured business loan with your lease running out? Why lenders ask, how options and month-to-month tenancies read, and the simple fix most owners miss.
17 October 2026
Unsecured Loan With Several Bank Accounts: What to Send
More than one business bank account? How unsecured lenders read several accounts, which statements to send, and how to stop transfers muddying turnover.
17 October 2026
Unsecured Loan After a Director or Shareholder Change
Changed directors or shareholders recently? How it affects an unsecured business loan, who guarantees it, why ASIC records must match, and what to sort first.
17 October 2026
Business Paid Into a Personal Account? Unsecured Loan Guide
Sole trader banking takings into a personal account? How unsecured lenders read mixed statements, what to send, and the 90-day clean-up that lifts your offer.
17 October 2026
Own Two Businesses? How Unsecured Lenders See Them
Running two businesses and need an unsecured loan for one? Which entity should borrow, why lenders look at both, and how transfers between them are read.
17 October 2026
Unused Credit Limits and Your Business Borrowing Power
That untouched overdraft and three idle credit cards can shrink your next business loan. How lenders count limits, which ones to trim and when to do it.
17 October 2026
Upgrading Equipment Before the Finance Ends
Need a bigger machine before the old finance is paid off? Four ways to upgrade mid-term, how lenders view each, and the trade-in trap to avoid.
17 October 2026
Warehouse Fit-Out Finance: Racking, Offices and Cool Rooms
Fitting out a warehouse? How lenders split racking, mezzanine offices and cool rooms, the racking safety rules that shape your budget, and how to fund it all.
17 October 2026
Wet Season Business Loans: Getting Through October to April
Running a business in the Top End or the tropics? How wet season business loans work, when to apply, the BAS dates that land mid-wet, and a dry season plan.
17 October 2026
Windfall Gains Tax: Funding a Rezoned Site in Victoria
Victorian land rezoned and a windfall gains tax bill on the way? How it's triggered, what deferral really means, and how it fits your development finance.
17 October 2026
Windows 10 End of Support: Funding a Business PC Refresh
Windows 10 support ended in October 2025 and paid updates double in price each year. How small businesses fund a PC refresh, and when leasing beats buying.
17 October 2026
Architecture and Engineering Firm Loans: What Lenders Check
How lenders read an architecture or engineering firm: fee stages, WIP, developer clients, PI insurance and registration, plus the report that wins them over.
15 October 2026
QBCC MFR and Business Loans: Will Debt Hurt Your Licence?
How a business loan affects your QBCC MFR current ratio and net tangible assets, why loan term matters, and what to sort before the 31 December report.
8 October 2026
ANZSIC Codes and Business Loans: Why Your Label Matters
How lenders use your ANZSIC industry code when you apply for a business loan, why a mismatched label slows things down, and the 5-minute check to do first.
2 October 2026
ATO Small Business Benchmarks: What a Lender Sees
How the ATO's small business benchmarks work, what they reveal about your costs, and the one ratio to explain before a lender ever asks about it.
2 October 2026
Licences Lenders Check Before They Fund a Business
Which trade, health, liquor, excise and professional licences lenders look for before funding a business, why they matter, and how to have them ready.
1 October 2026
Specialised Equipment and Business Loans: Resale Value
Why lenders treat a ute, a brewery tank and a dental scanner so differently, how resale value affects security, and how to fund specialised equipment well.
1 October 2026
Medicare, NDIS, PBS and CCS Income: How Lenders See It
How lenders treat government-funded revenue from Medicare, the NDIS, the PBS, the Child Care Subsidy and aged care programs — and the timing gap it creates.
1 October 2026
Business Loan When Your Industry Is Doing It Tough
How lenders react when a whole industry is under pressure, which signs they watch, and how to show your business is stronger than the headlines.
1 October 2026
Buying a Pest Control Business: What Lenders Check
Buying a pest control business? How lenders read the service book, technician licences and vans, and the termite liability most buyers forget to price.
1 October 2026See what your business could qualify for
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