Finance Guides & Lender Insights

No universal rule says every borrower must complete probation before car finance. Some lenders can consider the application using prior employment continuity, current permanent sta…

There is no universal deposit percentage for buying a business. The buyer contribution depends on the quality and transferability of earnings, asset backing, industry risk, buyer e…

A duplex or small townhouse project sits near the boundary between residential construction and commercial development lending. The correct structure depends on number of dwellings…

Yes, several eligible debts can potentially be combined, but “one repayment” is not automatically the cheapest structure. Compare each debt and exclude any debt that becomes more e…

Development facilities have contractual maturity dates. If construction or settlements run late, the borrower may need a formal extension, pay extension/default fees or refinance. …

If the inventory cycle repeats, a revolving line of credit or inventory or trade facility often matches the cycle better than serial term loans. Model landed cost, stock turn, gros…

Split the capital budget into landlord and building works, fitout, financeable equipment, opening stock, lease security and working capital. Equipment can often be financed separat…

Development finance is advanced in stages against a lender-approved project budget rather than paid as one lump sum. The lender assesses land value, total development cost, end val…

A related-party lease can still be meaningful, but the lender may look through the lease to the operating business because rent is ultimately paid from the same economic group. Exp…

The advertised “from” rate is generally reserved for applications that fit the lender’s strongest pricing band. An excellent consumer score does not guarantee the floor because len…