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Straight answers about business finance.

152 plain-English guides written for Australian business owners - what things really cost, which product fits which problem, and the traps to walk past. No jargon, no sales voice.

Featured guide

Business loans in Australia: the complete 2026 guide for SMEs

Every product, every cost, every question lenders will ask - the one guide to read before you borrow a dollar.

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Lending

What Are the Repayments on a $50,000 Business Loan?

Term drives the repayment more than rate does. At 12 per cent, one year costs about $4,442 a month and five years about $1,112 but five times the interest.

Updated 5 September 2026

Lending

Why Won't the Bank Say Why My Business Loan Was Declined?

Business lending sits outside the National Credit Code, so no reason is legally owed. Here is what a commercial decision means and what to do next.

Updated 2 September 2026

Lending

How Much Deposit Do You Need to Buy a Business?

No Australian lender publishes a deposit figure for buying a business, because security drives the number, not price. Here is what actually sets it.

Updated 1 September 2026

Lending

Funding the BAS: managing GST cash flow without going

Compare business finance options for Australian businesses, including what lenders assess and which costs each structure can cover.

Updated 1 September 2026

Lending

ATO Interest Is No Longer Deductible: The Real Cost

The ATO general interest charge stopped being deductible for income years starting on or after 1 July 2025. At 11.43 per cent it now bites like 15.24 per cent.

Updated 28 August 2026

Lending

How a Business Overdraft Works: Costs and Limits

How a business overdraft works in Australia: what it costs, how limits are set, what lenders check, and when a line of credit or term loan suits better.

Updated 25 August 2026

Lending

How a Business Line of Credit Works: Costs and Limits

How a business line of credit works in Australia: what it costs, what lenders assess, and when a line of credit beats a term loan or overdraft.

Updated 25 August 2026

Lending

How a Business Term Loan Works: Costs and Speed

How a business term loan works in Australia: what it costs, what lenders check, what documents you need, how fast funds land, and how to compare offers.

Updated 25 August 2026

Lending

Chattel Mortgage vs Lease: How Asset Finance Works

How asset finance works in Australia: chattel mortgage vs lease, what it costs, balloon payments explained, and how to compare asset finance lenders.

Updated 25 August 2026

Lending

Ute, Van or Truck Finance: What It Really Costs

How business vehicle finance works in Australia: what a ute, van or truck costs to finance, balloon payments, and why the dealer desk is rarely cheapest.

Updated 25 August 2026

Lending

Does Consolidating Business Loans Save You Money?

How business loan consolidation works in Australia: what it costs, what lenders check, and whether a single lower repayment actually saves you money.

Updated 25 August 2026

Lending

How Much of an Invoice Can You Unlock, and at What Fee?

How invoice finance works in Australia: how much of an invoice you can unlock, what the fees really cost annualised, eligibility, and recourse explained.

Updated 25 August 2026

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