Guides, explainers and tips on cash flow, credit and getting funded, from the team that backs small business.
Bad credit doesn't take funding off the table. The products that stay open to you, how funders assess your business, and how to put your best case forward.
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A refinance changes the shape of what you owe, not the amount. How to tell a structural fix from a delay, what to compare beyond the headline rate, and the warning signs of stacking.
An overdraft funds uncertainty. A loan funds a decision you have already made. How each works, why bank overdrafts have become hard to get, and what a revolving facility does differently.
You have done the work and sent the invoice. Now you wait 30, 60 or 90 days. How invoice finance turns money you have already earned into cash you can use this week, and when a plain loan is the better answer.
Takings land daily, rent lands monthly, and the cool room dies on a Saturday. Where funding fits in a hospitality venue, what your bank statements say about you, and when borrowing is the wrong call.
The common assumption is that you need years of history. Here is where the bar actually sits for non-bank funding, and exactly what opens up at 3, 5, 9 and 24 months.
A bill is due, the cash is not there yet, and the date is not moving. Here is the order to work through it, starting with the conversation most owners avoid.
Factor rates vs interest rates, what actually drives a quote, why non-bank funding costs more than a bank, and the questions to ask before you sign.
Why banks decline businesses that non-bank funders back, what a broker actually does, and what to have ready.
The five patterns behind most declines, what a lender is actually seeing, and the order to fix them in before you reapply.
Where the revenue bar sits, and why deposits into your business account count for more than claimed revenue.
Practical moves to keep the lights on through the quiet months.
The myths, the facts, and what you can change before you apply.
The trade-offs in plain English, so you can pick with confidence.
Owing the tax office doesn't shut the door. How funders see it, and your options.
Debt isn't the only path to growth capital, but for many owners it's the one that keeps them in control.
The exact documents and details to have ready, what happens after you submit, and the honest timeline from application to funds.
Small changes that get money in the door sooner.
When a flexible facility beats a lump sum, and when it doesn't.
When asset finance beats paying cash, and how it works.
How the write-off brings a deduction forward, what to confirm before you buy, and why you don't have to pay cash to claim it.
The honest range is $5K to $5M, and where you sit in it scales with your monthly turnover. Here's what moves the number.
Tools, utes, materials, and wages while you wait to get paid: how funding fits the trade.
The difference between a soft check and a hard enquiry, explained plainly.