Finance Guides & Lender Insights

It is harder but not automatically impossible. The lender will test whether management, licences and key staff remain, whether the buyer has transferable management experience, and…

Specialist lenders may fund professional-practice goodwill where recurring fees and normalised earnings are strong. The critical risks are client retention, ageing and quality of t…

A business lender may lend to the company but still require directors or owners to guarantee repayment. The guarantee is a separate legal promise and can create personal exposure i…

Finance long-life identifiable equipment separately where practical, then size business or fitout funding for non-removable works and preserve cash for rent, wages, consumables and…

Do not consolidate every debt automatically. The strongest structure usually targets debts that are expensive, revolving or hard to manage, while leaving cheaper secured debt alone…

Refinancing multiple business debts can improve monthly cash flow and simplify repayments, but consolidation is not automatically cheaper. Compare payout figures, remaining terms, …

There is no universal developer-equity percentage. The required contribution depends on the lender’s accepted land value, existing debt, total development cost, GRV, project type, …

Assume a material ATO liability can be discovered. A lender may request ATO account information, BAS, financials, bank statements and liability declarations; eligible business tax …

A dental-practice buy-in can combine several risks: goodwill value, practitioner income, equipment, partnership terms and the buyer’s future drawings. The lender needs to understan…

Yes with selected lenders and suitable projects, but no-presale finance usually shifts more risk back to the developer, valuation and equity position. Expect the lender to scrutini…