Insights

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.

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

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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.

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

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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.

The six categories of business lender in Australia

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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.

The real cost of a business loan: rate vs fees

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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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