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Straight answers about business finance.

Guides, working notes from our credit desk, and the tools we use ourselves. Written for owners and brokers who want to know how the decision actually gets made.

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ATO & tax debt4 min read

ATO payment plans vs short-term finance: when each makes sense

A payment plan is cheaper. It is not always better. Here is how we compare the two when a client has a tax debt and a trading business to keep running.

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A café owner working at the counter before opening, laptop and paperwork beside her
blog4 min readATO payment plans vs short-term finance: when each makes senseA payment plan is cheaper. It is not always better. Here is how we compare the two when a client has a tax debt and a trading business to keep running.
A joiner chiselling a cabinet joint at his workbench
guide5 min readThe complete guide to short-term business finance in AustraliaWhat it costs, when it fits, and the questions to ask any lender before you sign.
A business owner going through printed bank statements at a desk in the evening
guide3 min readGetting your bank statements assessment-readyThe six months a credit team actually reads, and the four things that slow an application down.
Two business partners reading a document together at a table
guide3 min readDirector guarantees explainedWhat you are agreeing to, when it bites, and what to check before you sign one.
Three colleagues reviewing an application together in a small office
blog3 min readWhy we say no — and what changes our answerFour of the most common declines on our desk, and what the business could fix.
A worker checking cartons against a clipboard in a retail stockroom
blog3 min readStock for a seasonal peak: a worked exampleA $60,000 order, a 14-week runway, and the arithmetic we used to size it.
A business owner and an adviser comparing two sets of papers across a table
blog3 min readBank vs non-bank: what you actually trade awaySpeed, paperwork, pricing and flexibility — an honest comparison, including where the bank wins.
Reading loan documents
toolReferenceFinance terms glossaryThirty terms from the loan documents, in plain English.

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Cash flow & working capitalBridging receivables, wages and quiet months.5 articlesATO & tax debtPayment plans, lodgement gaps and what lenders read into them.2 articlesInventory & seasonal peaksFunding stock for a peak you can see coming.1 articleEquipment & fit-outWhen short-term beats a five-year term.2 articlesBank vs non-bankWhat you gain in speed, what you pay for it.3 articlesIndustry guidesTrades, hospitality, transport and retail.No articles yetFinance terms explainedPlain-English definitions, no jargon behind jargon.Glossary

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