Guides
Business finance, explained properly
How lenders actually decide, written from the files we see every week. What helps, what hurts, and what to have ready before you apply.
Latest guides
Can you get a business loan with ATO debt?
Often, yes. What decides it is whether the debt is under a payment plan, whether your lodgements are up to date, and how the debt compares with what the business turns over.
Low-doc business loans: what lenders actually ask for
Low-doc means proving income with something other than full financial statements and tax returns. For smaller amounts that is often just bank statements; for property-secured loans it usually means BAS and an accountant's letter.
Business loans for new businesses: what's possible in year one
Most unsecured lenders want at least six months of trading, but asset finance, property-backed lending and invoice finance can all work earlier. Buying an established business is treated differently again.