Guides
Guides for the decision before the loan
Researched, practical reading for Australian owners: how to compare offers, cost a hire, price a contract and spot trouble early. New guides are added regularly.
Comparing offersContracts and cash flowGrowthBuying a businessManaging debtHiring
Choosing Between Two Business Loan Offers: A Fair Test
Two business loan offers on the table? A fair, dollars-first method for comparing total cost, cash received, repayment rhythm, flexibility and the fine print.
5 October 2026
Pricing Finance Into a Big Job: A Contractor's Method
Borrowing to deliver a large contract? How to map the cash gap, estimate the finance cost in dollars and build it into your quote so the job stays profitable.
5 October 2026
Overtrading: Warning Signs Your Growth Is Outrunning Cash
Busy, profitable on paper and still short of cash? The warning signs of overtrading for Australian businesses, why it happens and how to fund growth safely.
5 October 2026
Seller Add-Backs: Checking a Business's Real Profit
Buying a business? How to test the seller's add-backs and adjusted profit, what due diligence records to ask for, and why it decides how much you can borrow.
5 October 2026
Consolidating Business Debts: When One Loan Beats Several
Juggling several business loans, cards and an ATO debt? When consolidating into one loan helps, when it doesn't, and how to compare the total cost fairly.
5 October 2026
The Real Cost of Your Next Hire in 2026: Costing a Role
Costing a new employee in 2026: wages, super at 12%, payday super timing, workers compensation, payroll tax and the ramp-up gap, with a worked example.
5 October 2026Know the best fit? Find out what you can get.
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