Learn before you borrow
Business finance guides
Quick answer
These guides explain how business finance works in Australia in plain English — what lenders look for, which documents you need, how decisions are made in hours, how each product works, and how to manage cash flow, BAS and growth — so you can access capital with confidence.
Getting started
How to get a business loan fast
How to get a business loan fast in Australia: the exact steps, what to prepare, what slows lenders down and how to reach a decision in as little as 4 hours.
Open →How much can my business borrow?
How much can my business borrow? See how lenders size business loans from revenue, bank statements, existing debts and product, with worked examples.
Open →Startup funding options in Australia
Startup funding options in Australia compared honestly: savings, startup loans, equipment finance, grants, investors and crowdfunding, with the real trade-offs.
Open →Open banking and business loans
Open banking and business loans explained: how the Consumer Data Right lets you share bank data securely, how consent works for businesses and how to revoke it.
Open →Choosing the right business finance
Choosing the right business finance is easier with a decision tree: match what you're funding to a loan, equipment or invoice finance, or a credit line.
Open →Eligibility & documents
Business loan eligibility in Australia
Business loan eligibility in Australia explained: the six basics lenders check, why each one matters, and what to do if your business misses one of them.
Open →Business loan documents checklist
A business loan documents checklist for Australian owners: what to have ready by product and by loan size, including when financials are needed over $150,000.
Open →Products explained
Secured vs unsecured business loans
Secured vs unsecured business loans compared in plain English: what security means, how director guarantees work, and when security speeds a loan up.
Open →How invoice finance works
How invoice finance works, step by step: advances of up to 85% of invoice value, what happens when your customer pays, and an illustrative invoice worked through.
Open →How a business line of credit works
How a business line of credit works: drawing and repaying funds, how limits are set from turnover, what reviews involve, and the best and worst ways to use one.
Open →Merchant cash advance explained
A merchant cash advance explained: how repayments come from a share of card and EFTPOS sales, how advances are sized, the pros and cons, and who it suits.
Open →Credit & approval
How to improve your business credit score
Improve your business credit score with a practical 30/60/90-day plan. Learn how business and personal credit files work in Australia and what lenders check.
Open →What lenders look for in your business bank statements
What lenders look for in business bank statements: revenue consistency, dishonours, overdrawn days, ATO payments and other lenders' repayments, plus a self-check.
Open →How business loan decisions are made in 4 hours
How business loan decisions are made in as little as 4 hours: digital bank statements, automated checks, human review, and what can slow a decision down.
Open →Avoiding business loan mistakes
Avoid the business loan mistakes that cost owners money: stacking short-term debt, borrowing for the wrong thing, ignoring repayment rhythm and applying everywhere.
Open →Cash flow
The working capital cycle explained
The working capital cycle explained with a worked Australian example: how to calculate your cash conversion cycle and the levers that shorten it and free up cash.
Open →Seasonal cash flow planning
Seasonal cash flow planning for Australian businesses: map EOFY, Christmas, harvest and tourism peaks, build a 12-month forecast and fund the stock-up early.
Open →Managing BAS and tax cash flow
Managing BAS and tax cash flow: GST, PAYG and Payday Super due dates, how much to set aside, and when an ATO payment plan or business finance makes sense.
Open →Growth
Equipment finance and the instant asset write-off
How equipment finance works with the instant asset write-off: the $20,000 threshold for 2025–26, the permanent rule from 1 July 2026 and timing tips for owners.
Open →Using a business loan to grow
Using a business loan to grow: the growth moves that tend to pay back, how to test the numbers before you borrow, and which finance fits each type of growth.
Open →Ready when your business is.
One 60-second online enquiry. Decisions in as little as 4 hours, and same-day funding possible once you're approved.