Finance Guides & Lender Insights

Invoice finance can fit a B2B business where sales are real but cash is trapped in receivables. A business loan or line of credit may be better where the funding need is broader th…

Your accountant is not the lender's credit department. They may be able to confirm historical facts such as trading status or financial figures, but may refuse wording that asks th…

Commercial lending is more transaction-specific than residential lending. The lender can assess the lease, tenant, property use, valuation, borrower/entity cash flow, guarantees an…

Vacant commercial property can be financeable, but the lender cannot rely on current rental income. The credit case shifts to the borrower’s own serviceability, the plan for occupa…

Do not fund only the purchase price. The acquisition model should include enough working capital to cover the gap between settlement and normal cash generation. The amount depends …

Self-employed borrowers can get personal loans, but the lender needs acceptable evidence of sustainable personal income. Business turnover is not the same as borrower income, and a…

A hardship arrangement is not the same as a default and it is not a permanent black mark. OAIC says financial-hardship information is recorded against repayment history for a limit…

A lender is more likely to rely on earnings that can be reconciled across financial statements, tax returns, BAS, bank activity and recent management results. Vendor forecasts and …

Imported cars can be financed, but lender options may narrow because valuation, compliance, parts/insurance and resale markets are less standardised. Some mainstream secured produc…

Financing a sensibly priced reliable used car can be reasonable where the vehicle is genuinely needed and the repayment is comfortable. Compare the interest cost against the cost o…