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Guides

Guides that answer the real questions

The reading room of the directory: how to pick a loan, prepare an application and handle the situations that send owners looking for finance.

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Loan basicsChoosing financeApplyingCash flowEquipment & tax time

Two business owners planning finances together at a workshop table
Loan basicsTypes of Business Loans in Australia: The Full MapEvery type of business loan in Australia mapped by what it pays for and what secures it: property, cash flow, trade, asset and growth lending.18 October 2026
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Loan basicsSecured vs Unsecured Business Loans: How to ChooseSecured vs unsecured business loans compared on amounts, guarantees, cost and risk, plus a simple test for deciding whether to use property.18 October 2026
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Choosing financeHow to Choose a Business Loan: A Purpose-First MethodA purpose-first method for choosing a business loan: define the job, size it honestly, match the security, check the repayment fit.18 October 2026
Accountant sorting business documents beside a laptop in a home office
ApplyingBusiness Loan Documents Checklist: What Lenders Ask ForA practical business loan documents checklist: what full-doc, low-doc, cash flow, asset and property-secured lenders ask for.18 October 2026
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Cash flowBridging a Cash Flow Gap: Levers to Pull Before You BorrowA practical plan for a business cash flow gap: find its true size, pull the free levers first, then choose between a line of credit.18 October 2026
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Equipment & tax timeFinancing Equipment Before EOFY: What to Check FirstThinking of buying equipment before 30 June? How the $20,000 instant asset write-off works, why 'installed ready for use' matters.18 October 2026
Business owner highlighting a printed bank statement at a desk
ApplyingWhat Lenders See in Your Business Bank StatementsWhat business lenders look for in bank statements: turnover patterns, dishonours, overdrawn days, other lenders' debits and ATO payments.18 October 2026
Business owner talking through options over coffee with an adviser
ApplyingDeclined by the Bank for a Business Loan? What to Do NextDeclined for a business loan by your bank? Find out why it happened, what to fix, which non-bank and private options exist.18 October 2026

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