Guides
Business finance guides
Direct answers to the questions business owners ask before they arrange finance.
What is a commercial finance broker and how do they get paid?
A commercial finance broker arranges business finance from multiple lenders on your behalf. How brokers work, how they are paid and when to use one.
Secured vs unsecured business loans: what is the difference?
Secured business loans are backed by an asset. Unsecured loans rely on cash flow. How they differ on amount, cost, speed and risk, and how to choose.
How do you refinance ATO debt?
Refinancing ATO debt means replacing it with a commercial facility from a lender. How it works, what lenders look at and the alternatives to consider.
What documents do you need for a business loan in Australia?
The documents lenders typically ask for on a business loan: ID, financials, tax returns, BAS, bank statements and security details. A practical checklist.
Invoice finance vs a working capital loan: which suits your business?
Invoice finance releases cash tied up in unpaid invoices. A working capital loan provides a lump sum. How they differ and which suits your cash flow.
What should you do if a bank declines your business loan?
A bank decline is one lender's view, not the market's. Why business loans get declined, how to find out why and the options for getting funded.
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