Finance Guides & Lender Insights

Potentially for a genuine business-purpose transaction, if there is suitable property security and enough time to complete valuation, legal and settlement requirements. Emergency f…

Lenders generally assess the total secured debt against the lender-assessed property value. Your 'equity' is the difference between value and debt, but not all of that equity is ne…

A professional can often make a simple finance introduction without becoming the credit adviser, but the boundaries matter. For consumer credit, ASIC's referral exemption has speci…

Long-lived equipment is often best compared against a facility designed for the asset rather than consuming working-capital cash or a revolving line. Compare total cost, term and l…

The lowest interest rate can still produce the highest total cost if the debt remains outstanding much longer. Compare all options over the same repayment horizon.

There is no universally best split. Match the fixed portion to the repayments you want certainty on and keep enough variable flexibility for offset, extra repayments or planned cha…

Cash avoids interest, but using all available cash can weaken liquidity. Compare the after-tax value of keeping cash available with the total cost of finance, and consider partial …

An undrawn facility is effectively paid-for optionality. It can be valuable where cash needs are volatile or time-sensitive, but the line fee and review conditions should be justif…

A profitable business can still be undercapitalised if a major purchase drains working cash. Compare the after-tax cost of debt with the value of preserving operating liquidity and…

A general LOC is flexible across working-capital uses; invoice finance ties availability more directly to eligible receivables. The better fit depends on how reliably the receivabl…