What we're seeing in finance.

Notes from the broker side — what's getting harder, what's getting easier, and how business owners can use it on their next loan.

Articles for business owners working out how commercial finance actually works in Australia — how lenders categorise deals, how brokers get paid, and how to compare offers on total cost rather than headline rate.

Self-Employed Finance

Self-employed home loans with one year of financials

All four major banks now accept one year of financials for self-employed home loans. What each bank's policy says, the 80% LVR catch, and when non-bank alt-doc still wins.

Asset Finance

Equipment finance with a new ABN: what lenders will write

Equipment finance is the most writable finance product for a business under 12 months old, because the asset is the security. What lenders assess instead of financials, realistic pricing, and how the deals settle in days.

Asset Finance

Asset finance

Asset finance funds vehicles, equipment and machinery for Australian businesses. Compare chattel mortgage, hire purchase and leasing structures and rates.

Commercial Finance

Finance broker Gold Coast: what they do, what they cost, and how to pick one

Finance broker Gold Coast businesses and property investors use for commercial, asset and property finance. 130+ lenders, one point of contact. Apply now.

Asset Finance

Truck finance Australia: structures, rates and lenders

Truck finance runs from a $60K used rigid to a $700K B-double set. The structures, the current rate bands, where dealer finance hides its margin, and the tax treatment that makes a truck a different proposition to a car.

Asset Finance

Excavator and construction equipment finance Australia

Excavator finance covers a $35K mini through to a 50-tonne machine. How the deals are structured, what they cost, which lenders write which brands, and when hiring beats owning.

Working Capital

SME cashflow finance options: which tool fits your business model

Overdraft, invoice finance, trade finance or revenue-based lending. Four ways to fund a cash gap, what each one costs, and which business model each actually suits.

Asset Finance

What an asset finance broker does (and what you give up going direct)

An asset finance broker positions your deal, picks the structure and works a panel of 130+ lenders. Here is what you hand over when you go straight to a bank.

Asset Finance

Medical equipment finance Australia: structures for practices

Medical and dental equipment finance funds imaging, chairs, surgical and diagnostic equipment, usually as a chattel mortgage secured against the equipment itself. How practices structure it, what it costs, and where fit-out finance sits.

Commercial Finance

Business loans when you owe the ATO: what actually changes

ATO debt changes how lenders assess risk, not whether you qualify. See what shifts the numbers and when a cashflow facility beats an ATO payment plan.

Asset Finance

Farm equipment finance in Australia: machinery, land, livestock and working capital

Farm equipment finance Australia: chattel mortgage rates, RIC government loans, livestock and land finance, and settlement timelines for primary producers.

Commercial Finance

Personal guarantee on a business loan: what you're actually signing

What a personal guarantee on a business loan actually means: limited vs unlimited, joint liability, assets at risk, all-monies clauses, and what to ask before signing.

Commercial Finance

Startup business loan options for a new ABN: what's actually available in year one

Most lenders want 2 years of financials before they'll look at a startup. Here's what finance is genuinely accessible with a new ABN — and how to build toward more.

Commercial Finance

How to get a business loan in Australia: a step-by-step guide

A practical step-by-step guide to getting a commercial business loan in Australia — product types, lender assessment, documents, lender tiers, and realistic timeframes.

Working Capital

Working capital finance explained: invoice finance, lines of credit and cashflow options

The three main ways Australian businesses fund the gap between money out and money in — invoice finance, a line of credit, and a working capital loan — what each costs, and how to choose.

Asset Finance

Asset finance for tradies in Australia: utes, equipment, trailers, and tools

How Australian tradies finance utes, plant, trailers and tools — chattel mortgage structures, BAS timing, sole trader vs company, and low-doc options explained.

Self-Employed Finance

Self-employed home loan income: how lenders actually assess it

Sole traders, company directors and trust partners are assessed differently from PAYG borrowers. Here's exactly how lenders calculate self-employed income — add-backs, structure, and low-doc options.

Commercial Finance

Why use a commercial finance broker instead of going direct to your bank?

A commercial finance broker accesses 130+ lenders instead of one bank's product shelf. Here's when a broker wins, when a bank wins, and how brokers get paid.

Asset Finance

Chattel mortgage vs operating lease: which one suits

A chattel mortgage gives day-one ownership, depreciation and the GST back upfront. An operating lease keeps the asset as rent and hands back the residual risk. How the two structures actually compare under Australian tax rules.

Asset Finance

What is asset finance? A complete guide for Australian businesses

Asset finance funds the vehicles, plant and equipment a business runs on — secured against the asset itself. The six structures Australian businesses use, what each does to your tax and GST position, and how to choose.

Asset Finance

Tractor finance Australia: from compact to articulated

Tractor finance covers everything from $50K compact utility tractors to $1.5M articulated four-wheel-drives. Here is how the deals are structured, what they cost, and where lender appetite shifts by asset age and deal size.

Commercial Finance

Bank vs non-bank commercial finance: when each makes sense

Banks lend cheap but narrow. Non-bank lenders lend fast and broad, for more. Here is how the two actually differ — and when each is the right call for your deal.

Commercial Finance

How commercial finance brokers get paid: fees, commissions, and what to ask

Most business owners know their broker gets paid — few know how, or by whom. A plain look at commission, fees, lender tiers, and the questions to ask.

Commercial Finance

The six categories of business lender in Australia

Underneath "the bank" and "a non-bank" sit six distinct lender categories — each with its own pricing, speed and appetite. Here is the map, and how to use it.

Commercial Finance

The real cost of a business loan: rate vs fees

The headline rate is the wrong anchor. How to compare business loans on total cost — fees, term, exit costs — and when a higher rate is the cheaper deal.

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