Finance Guides & Lender Insights

Paying a default resolves the overdue debt but does not delete the listing. OAIC says the default remains on the credit report for its normal reporting period and is updated to sho…

An existing manager can sometimes finance a management buyout because operating knowledge reduces part of the transition risk, but the lender still needs verified earnings, a defen…

Ownership structure is primarily a legal and tax decision, but it directly affects loan documentation. The lender can assess the purchasing entity, trustees or directors, beneficia…

Potentially. A service business with little tangible asset backing can still be financeable when the earnings are verifiable and transferable, the customer base is durable, the buy…

Potentially, but poor credit narrows lender choice and can make the consolidation rate expensive. The key test is whether the new loan pays the target debts out, lowers the real co…

There is no single Australian minimum-requirements list shared by every personal-loan lender. Most assessments combine identity/residency, acceptable income and employment, afforda…

Compare the all-in facility, not just the interest rate. Commercial loans can differ in establishment and annual fees, amortisation, contractual maturity, review rights, covenants,…

Potentially. A deposit is not universally required, but financing the full purchase price increases the repayment and lender exposure. If savings are low because you have just move…

Possibly, but first decide who is actually buying the shares and who should legally owe the debt. The lender will assess continuing business cash flow and buyer position, while acc…

Potentially, but only if the new fixed repayment is genuinely affordable and the payday/wage-advance cycle stops. If you will need another advance next payday, consolidation has no…