Guides
Guides that answer the real questions
New guides every week — researched, written for Australian businesses, and honest about what lenders look at.
TaxProperty lendingFast fundingTurned down?Choosing financeCash flowCostsApplyingOwnership
ATO Payment Plan or Business Loan? How to Choose
Overdue ATO debt? Compare a payment plan with a secured business loan on cost, speed and risk, and see which suits your company.
28 October 2026
How Much Can a Small Business Borrow Against Property?
Work out how much your company could borrow against property: value, the 80% and 70% limits, what is owing, and a worked example under $50,000.
28 October 2026
How to Get a Business Loan in 24 Hours: A Practical Guide
A practical guide to getting a business loan funded in 24 hours: what to prepare, which loans can move that fast and the warning signs to watch for.
28 October 2026
Rejected by a cash flow lender: what to do in the next 48 hours
A step-by-step plan for the first 48 hours after a cash flow lender declines your company: find the reason, protect your file and move to a secured loan.
25 October 2026
How much equity do you need for a secured business loan?
How lenders work out usable equity for a second mortgage or other secured loan, the loan-to-value limits that apply and how to estimate your own figure.
25 October 2026
Cash flow lending or property lending: which model fits your company?
Cash flow lenders back your trading; secured lenders back your property. How each model works, what it costs in time and risk, and how to choose.
25 October 2026
Funding a big contract before the first payment arrives
How to fund materials, wages and subcontractors on a big new contract before the client pays: mapping the gap, choosing the facility and protecting your margin.
25 October 2026
The total cost of a business loan: how to compare offers fairly
How to compare the real cost of a business loan: fees, interest, term, repayment frequency, early payout and the costs that appear when plans change.
25 October 2026
Second mortgage or caveat loan: which one should your company use?
Second mortgage or caveat loan? How each works, how fast they settle, what they cost in time and risk, and a simple way to decide which suits you.
25 October 2026
What a credit assessor sees first when your application lands
An inside look at how a business loan assessor reads a new application in the first few minutes, the red flags that stall a file and how to present yours.
25 October 2026
Buying out a business partner: how to fund the exit
How to fund buying out a business partner: agreeing a value, choosing who buys, structuring payments and the paperwork that protects everyone.
25 October 2026
Preparing your company for finance in 30 days
A four-week plan to prepare your company for a business loan: tidy the accounts, lodge what's overdue, clean up your credit file and build a clear story.
25 October 2026
Tax time cash crunch: planning for BAS, PAYG and the year-end bill
How to plan for BAS, PAYG withholding and company tax: forecasting, setting cash aside, ATO payment plans and when a business loan makes sense.
25 October 2026Own property? You may be closer to a yes than you think
One short enquiry, no credit check, no cash flow records, and a real person who tells you what your property could support.
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