Guides to business funding
How each facility works, what it really costs, and which one fits which problem. Written by Jay Agarwal, the broker who arranges them, not a lender's marketing team. New guides are added regularly.
Straight answers, in plain English
Does the interest rate matter less than how fast you turn the money?
A 25% rate against a 20% margin looks like an easy no. For a trading business it often is not. The break-even sum, and the loan structure that stops it working.
Read the guide → NDIS & allied health · 10 min readBusiness loans for NDIS providers: what lenders check now that the scheme is under scrutiny
The regulator is busier, registration is spreading and lenders have noticed. The three checks to pass before you apply, and what changes above $500,000.
Read the guide → Case study · 8 min readRefinancing a client out of a Bizcap loan after most lenders said no
Six months left, $1,200 a day, a payout figure close to the full remaining repayments and most lenders saying no. The two routes out, with the numbers.
Read the case study → Choosing a lender · 7 min readWhy brokers push non-bank lenders, and when the bank is still the answer
Banks are cheapest and lend longest, full stop. When more money, a faster answer or a few red flags on the file make a non-bank lender the better call.
Read the guide → Trade & debtor finance · 6 min readPurchase order finance: how it works and what lenders check first
A confirmed order isn't cash in the bank. How a trade facility and a debtor facility combine to pay your supplier and collect from your customer.
Read the guide → Guarantees · 7 min readCan I get a business loan without a personal guarantee?
Most “unsecured” loans still need a director’s guarantee and a charge over company assets. What that puts at risk, and the few lenders who ask for neither.
Read the guide → Structuring · 7 min readCan I stack multiple lenders?
Why lenders dislike a second loan on the file, how overleveraging ends in default, and why the order the lenders go on in decides whether it works.
Read the guide → Security position · 6 min readWhy won't a lender lend when another lender is already on my file?
Most lenders hold a general security agreement over the business, and the first one registered gets paid first if things go wrong. Why that turns some lenders away.
Read the guide → Security & guarantees · 6 min readUnsecured vs secured business loans: which one actually costs less?
Almost every lender wants a personal guarantee either way, so "unsecured" doesn't mean risk-free. What actually changes, and what it costs you.
Read the guide → Choosing a facility · 5 min readBusiness overdraft vs line of credit: which one fits?
Both charge interest only on what you use, but they solve different problems. How to choose, and the line fee people forget to compare.
Read the guide →Tell us the situation. We will tell you what's possible.
Two minutes now, a call back within about two hours, and an honest read on whether the funding stacks up for your business.