Self-Managed Novated Leases: How They Work and What to Check
A self-managed novated lease commonly separates vehicle finance and/or vehicle sourcing from the employer’s salary packaging administrator. It still requires employer participation…
Latest finance articles
Practical answers to real borrower, business-owner, investor and developer questions, with clear lender-assessment logic, useful tools and relevant next steps.
Novated Lease Residual Values Explained: ATO Percentages and Examples
For a standard car using the commonly applied ATO eight-year effective-life methodology, the commonly used minimum residual percentages are 65.63% at 12 months, 56.25% at 24 months…
Can You Refinance ATO Debt With a Business Loan in Australia?
Yes, some commercial lenders may consider finance used to clear ATO debt, subject to lender policy and credit assessment. The business still needs to show viable trading, current l…
ATO Debt and Credit Reporting: When Business Tax Debt Can Be Disclosed
ATO business tax debt is not automatically disclosed to a credit reporting bureau. The ATO may disclose eligible business tax debt where statutory criteria are met, including at le…
What Happens If a Business Defaults on an ATO Payment Plan?
If an ATO payment plan defaults, the arrangement is no longer active and the full overdue balance can become immediately payable. The ATO may take firmer recovery action. Contact t…
Can an ATO Payment Plan Affect a Business Loan Application?
An ATO payment plan does not automatically prevent a business loan approval. Lenders may still assess the outstanding tax balance, payment-plan conduct, current lodgements, new tax…
ATO GIC vs Business Loan Interest: What Should You Compare?
Compare total dollars paid and monthly cash flow, not only the headline rates. ATO GIC is 11.43% p.a. for July to September 2026 and is not deductible when incurred from 1 July 202…
Business Line of Credit in Australia: How It Works and Who It Actually Suits
A business line of credit provides a reusable limit that can be drawn and repaid as needed. It is most useful for recurring or uneven working-capital needs where the business can r…
Business Finance Rates in Australia: How to Read Them Before You Sign Anything
There is no single business-finance rate in Australia. Bank averages published by the RBA are useful reference points, while specialist and non-bank pricing can differ materially b…
Business Growth Finance in Australia: How to Fund Your Next Stage Without Giving Up Equity
Growth finance can fund expansion such as equipment, premises, acquisitions, stock or working capital. The right facility depends on whether the investment creates a one-off asset,…
