Finance, explained plainly
How the structures actually work, what lenders are looking at, and where the costs hide.
Structuring / 4 min read
What a balloon payment actually costs you
A balloon lowers the monthly repayment by moving part of the debt to the end of the term. Here is what that trade is really worth.
ReadStructuring / 5 min read
Chattel mortgage or lease: which suits your ABN
The difference is who owns the asset, and the tax treatment follows from that. It changes which one is cheaper for you.
ReadApplications / 3 min read
Buying private sale: what lenders need before they will fund it
Private sales are financeable, but the checks differ from a dealership purchase. Knowing them up front saves about a week.
ReadApplications / 4 min read
Low-doc finance when your returns are not up to date
Plenty of profitable businesses have messy paperwork. Some lenders assess on other evidence — within limits.
ReadRefinancing / 3 min read
Refinancing an asset you already own
Equity sitting in plant you have already paid for can be released without selling it. Here is when that makes sense.
ReadApplications / 4 min read
What lenders look at beyond your credit score
A score is one input. Time in business, the asset itself and how your accounts conduct all move the answer.
Read
Ready to finance your next asset?
Send through a few details and a finance specialist will come back to you within one business day with the options that fit.