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. New to it? Start with the guides.

Commercial Finance

Business loan interest rates: what you'll pay right now

Non-bank cashflow lenders charge from 13.95% p.a. and banks start near 7% p.a. Current rate tables, what a 0.25% rise costs on $250K and $500K, and fixed vs variable.

Business Finance

How to get a loan to buy a pub or hotel

A hotel or pub loan pays to buy, refinance or expand a licensed venue. Here's how lenders carve up a pub's price and why the liquor licence can hold up settlement.

Asset Finance

How to refinance equipment finance, and what it costs to get out of 16%

You can refinance equipment finance, but the payout figure decides if it saves money. A worked example: one $220,000 machine on two loans, and when staying put wins.

Business Finance

Medical practice loans in Australia: goodwill, fit-out, cash flow and premises

A medical practice loan helps a doctor, dentist or allied health owner buy, set up or grow a practice. How goodwill, fit-out, working capital and premises loans work, and what lenders check.

Asset Finance

Equipment finance document checklist: what you need to apply

Most equipment finance needs less paperwork than you'd think: your ID, your ABN and the asset details. What low-doc and full-doc applications ask for, and how to get approved faster.

Asset Finance

Do you need a deposit for truck finance?

Often, no. Established operators with clean credit can finance a truck with no deposit. When you will need one (new ABN, older truck, private sale, past credit issues) and how much.

Commercial Finance

How lenders read your business bank statements

Before approving a loan, a lender reads your bank statements line by line. What they check, including your balance, bounced payments, other debts and ATO payments, and how to present them well.

Asset Finance

Chattel mortgage or novated lease: which is better for your business car?

A chattel mortgage puts the car in your business. A novated lease pays for it out of your salary. Here's who can get each one, and what's planned for EVs.

Asset Finance

What it costs to own a work ute in 2026: 5 utes compared

Drive-away prices, weekly repayments and the total you pay back over 5 years on the Ranger, HiLux, D-MAX, Triton and Shark 6.

Asset Finance

How business owners buy luxury cars through their business

You've had a good year and you want the car. The hard part is how you buy it. The three ways business owners do it, and what each means for your tax and your finance.

Asset Finance

Balloon payments on asset finance, explained

A balloon is a lump sum you still owe at the end of an asset finance term. It lowers your monthly repayments but costs more overall. How balloons work, and your three options at the end.

Commercial Finance

APR vs simple interest rate: the difference explained

APR charges interest on what you still owe. Simple interest charges a fixed slice of what you borrowed. What each one means, with the maths, in plain English.

Working Capital

Unsecured business loans in Australia: how much you can borrow without collateral

Most cashflow lenders will lend up to around $300,000 without property security, often in 24 to 72 hours. What it costs, what you need to apply, and why "unsecured" almost always still means a guarantee.

Self-Employed Finance

Accountant letter for a home loan: what lenders accept

The capacity-to-repay letter is finished. The 2025 Banking Code stopped banks asking for it, and the accounting bodies tell their members to say no. Here's what your accountant can still confirm, and how lenders check self-employed income now.

SMSF Lending

Can an SMSF still borrow for property in 2026?

The rules changed on 10 August 2026. An SMSF can no longer borrow to buy residential property, but it can still borrow to buy business premises. What the business real property test now requires, and how the lease-back works.

Cashflow & Working Capital

Payday super is live: what it does to your cash flow

Super now goes out with every pay run, and the quarterly float is gone. What payday super does to small business cash flow, and which finance options can cover the gap.

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 a non-bank alt-doc loan is still the better option.

Asset Finance

Equipment finance with a new ABN: what lenders will write

Equipment finance is the easiest finance to get for a business under 12 months old, because the asset is the security. What lenders look at instead of financials, likely pricing, and how deals settle in days.

Commercial Finance

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

The 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. This covers the structures, current rates, where dealer finance hides its margin, and why trucks are taxed differently from cars.

Asset Finance

Excavator and construction equipment finance Australia

Excavator finance covers everything from a $35K mini to a 50-tonne machine. How deals are set up, 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 type of business each one suits.

Asset Finance

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

An asset finance broker sets up your deal, picks the structure and works a panel of 130+ lenders. This is what you give up 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

Owing the ATO changes how lenders look at your business. It doesn't rule you out. What moves 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 in Australia: chattel mortgage rates, RIC government loans, livestock and land finance, and how long settlement takes for primary producers.

Commercial Finance

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

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

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. This is the finance you can get with a new ABN, and how to work up to more.

Commercial Finance

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

A step-by-step guide to getting a business loan in Australia: which product to use, how lenders assess you, the documents you need, 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: how a chattel mortgage works, timing your purchase around BAS, sole trader vs company, and low-doc options.

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. This is how lenders work out self-employed income, including 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 can reach 130+ lenders. Your bank has one product shelf. 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 you ownership from day one, depreciation and the GST back upfront. An operating lease treats the asset as rent and leaves the residual risk with the lender. Here's how the two compare under Australian tax rules.

Asset Finance

What is asset finance? A complete guide for Australian businesses

Asset finance pays for the vehicles, plant and equipment a business runs on, and the asset itself is the security. Here are the six structures Australian businesses use, what each does to your tax and GST, and how to pick one.

Asset Finance

Tractor finance Australia: from compact to articulated

Tractor finance covers everything from a $50K compact utility tractor to a $1.5M articulated four-wheel-drive. This is how the deals are set up, what they cost, and how lenders change their minds as the tractor gets older or the loan gets bigger.

Commercial Finance

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

Banks lend cheaply but to a narrow range of deals. Non-bank lenders move faster and lend more widely, at a higher price. Here's how the two differ, and when each is the right choice 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

Under "the bank" and "a non-bank" there are six types of business lender. Each has its own pricing, speed and appetite. Here is how they split, and how to pick the right one.

Commercial Finance

The real cost of a business loan: rate vs fees

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

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