Borrowing basics
Know before you borrow
Eligibility, documents, costs, security, forecasts and credit history — the practical groundwork that gets a small business loan moving.
Eligibility
Small business loan eligibility explained: ABN, time trading, turnover, credit history, security and purpose — and how to improve your chances first.
Read more →Documents
A plain checklist of business loan documents — ID, ABN, bank statements, BAS, financials, quotes, leases and property details — and why lenders ask for each.
Read more →Cash flow forecasting
A simple cash flow forecasting method for small businesses: what to include, BAS and super timing, testing a loan's repayments and spotting gaps early.
Read more →Loan vs equipment finance
Business loan vs equipment finance compared: security, flexibility, what each funds, tax considerations and how to decide for equipment and vehicles.
Read more →Fees and total cost
How to compare small business loan costs: establishment, valuation, legal, ongoing and exit fees, term length and why total cost beats repayment size.
Read more →Security and guarantees
Business loan security and personal guarantees explained: property, asset and general security, director guarantees and questions to ask first.
Read more →How much can I borrow?
How much a small business can borrow: how unsecured limits are sized on turnover, how equity and LVR work, and what equipment finance covers.
Read more →Bad credit
Business loans with bad credit: how lenders view defaults, judgements and tax debt, which routes stay open, and steps to strengthen your application.
Read more →See what your business could qualify for
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