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Finance Resources

Finance resources

ABN & self-employed finance

Can I Get Car Finance With a New ABN?

Can I Get Car Finance With a New ABN. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

How Long Does an ABN Need to Be Active for Car Finance?

How Long Does an ABN Need to Be Active for Car Finance. Understand what lenders assess, what can improve the application and when comparing lender policy matt

Can I Get Business Car Finance Without Financials?

Can I Get Business Car Finance Without Financials. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Low-Doc vs Full-Doc Car Finance: What's the Difference?

Low-Doc vs Full-Doc Car Finance: What's the Difference. Understand what lenders assess, what can improve the application and when comparing lender policy matt

Car Finance for Sole Traders: How Lenders Assess It

Car Finance for Sole Traders: How Lenders Assess It. Understand what lenders assess, what can improve the application and when comparing lender policy matters

Car Finance Through a Company: What Changes?

Car Finance Through a Company: What Changes. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

How Do Lenders Verify Self-Employed Income?

How Do Lenders Verify Self-Employed Income. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Do I Need to Be GST Registered for Business Car Finance?

Do I Need to Be GST Registered for Business Car Finance. Understand what lenders assess, what can improve the application and when comparing lender policy mat

Can a Startup Get Equipment Finance?

Can a Startup Get Equipment Finance. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Get Finance if My Business Made a Loss Last Year?

Can I Get Finance if My Business Made a Loss Last Year. Understand what lenders assess, what can improve the application and when comparing lender policy matt

How Do Lenders Assess Seasonal Business Income?

How Do Lenders Assess Seasonal Business Income. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can Management Accounts Be Used for Business Finance?

Can Management Accounts Be Used for Business Finance. Understand what lenders assess, what can improve the application and when comparing lender policy matter

Credit & difficult scenarios

Can I Get Equipment Finance With Bad Credit?

Can I Get Equipment Finance With Bad Credit. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Get Business Car Finance With Bad Credit?

Can I Get Business Car Finance With Bad Credit. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Get Business Finance With ATO Tax Debt?

Can I Get Business Finance With ATO Tax Debt. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Finance Equipment if My Business Has Tax Debt?

Can I Finance Equipment if My Business Has Tax Debt. Understand what lenders assess, what can improve the application and when comparing lender policy matters

Can I Get Business Finance With a Credit Default?

Can I Get Business Finance With a Credit Default. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Get Business Finance After Bankruptcy?

Can I Get Business Finance After Bankruptcy. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can Late Repayments Stop a Business Finance Approval?

Can Late Repayments Stop a Business Finance Approval. Understand what lenders assess, what can improve the application and when comparing lender policy matter

Do Too Many Credit Enquiries Affect Business Finance?

Do Too Many Credit Enquiries Affect Business Finance. Understand what lenders assess, what can improve the application and when comparing lender policy matter

What Credit Score Do I Need for Business Car Finance?

What Credit Score Do I Need for Business Car Finance. Understand what lenders assess, what can improve the application and when comparing lender policy matter

Does a Director's Personal Credit Affect a Company Loan?

Does a Director's Personal Credit Affect a Company Loan. Understand what lenders assess, what can improve the application and when comparing lender policy mat

What if My Credit Report Is Wrong Before a Finance Application?

What if My Credit Report Is Wrong Before a Finance Application. Understand what lenders assess, what can improve the application and when comparing lender pol

Does Financial Hardship Information Affect a Business Finance Application?

Does Financial Hardship Information Affect a Business Finance Application. Understand what lenders assess, what can improve the application and when comparing

Vehicle & equipment policy questions

Can I Finance a Private-Sale Vehicle Through My Business?

Can I Finance a Private-Sale Vehicle Through My Business. Understand what lenders assess, what can improve the application and when comparing lender policy ma

Can I Finance an Older Car Through My Business?

Can I Finance an Older Car Through My Business. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Finance an Older Truck?

Can I Finance an Older Truck. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can Used Equipment Be Financed?

Can Used Equipment Be Financed. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Finance Equipment Bought at Auction?

Can I Finance Equipment Bought at Auction. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can Imported Equipment Be Financed?

Can Imported Equipment Be Financed. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

How Does Finance Work for Specialist or Unusual Equipment?

How Does Finance Work for Specialist or Unusual Equipment. Understand what lenders assess, what can improve the application and when comparing lender policy m

Truck Finance for Australian Businesses: Complete Guide

Truck Finance for Australian Businesses: Complete Guide. Understand what lenders assess, what can improve the application and when comparing lender policy mat

Earthmoving Equipment Finance: Excavators, Loaders & Machinery

Earthmoving Equipment Finance: Excavators, Loaders & Machinery. Understand what lenders assess, what can improve the application and when comparing lender pol

Agricultural Equipment Finance: Tractors, Harvesters & Farm Machinery

Agricultural Equipment Finance: Tractors, Harvesters & Farm Machinery. Understand what lenders assess, what can improve the application and when comparing len

Medical Equipment Finance for Australian Practices

Medical Equipment Finance for Australian Practices. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Technology & IT Equipment Finance for Businesses

Technology & IT Equipment Finance for Businesses. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Construction Equipment Finance: A Practical Guide

Construction Equipment Finance: A Practical Guide. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

How Old Can a Vehicle or Piece of Equipment Be and Still Get Finance?

How Old Can a Vehicle or Piece of Equipment Be and Still Get Finance. Understand what lenders assess, what can improve the application and when comparing lend

Structures & comparisons

Chattel Mortgage vs Finance Lease vs Hire Purchase

Chattel Mortgage vs Finance Lease vs Hire Purchase. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Chattel Mortgage vs Business Car Loan

Chattel Mortgage vs Business Car Loan. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Chattel Mortgage vs Lease: Which Structure Fits?

Chattel Mortgage vs Lease: Which Structure Fits. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Dealer Finance vs Finance Broker: What Should a Business Compare?

Dealer Finance vs Finance Broker: What Should a Business Compare. Understand what lenders assess, what can improve the application and when comparing lender p

Bank vs Finance Broker for Business Vehicle & Equipment Finance

Bank vs Finance Broker for Business Vehicle & Equipment Finance. Understand what lenders assess, what can improve the application and when comparing lender po

Secured vs Unsecured Business Finance

Secured vs Unsecured Business Finance. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Business Loan vs Line of Credit

Business Loan vs Line of Credit. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Equipment Finance vs Paying Cash: Cash-Flow Trade-Offs

Equipment Finance vs Paying Cash: Cash-Flow Trade-Offs. Understand what lenders assess, what can improve the application and when comparing lender policy matt

Fixed vs Variable Business Finance

Fixed vs Variable Business Finance. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Principal-and-Interest vs Balloon Structure for Asset Finance

Principal-and-Interest vs Balloon Structure for Asset Finance. Understand what lenders assess, what can improve the application and when comparing lender poli

Balloons, terms & repayments

Should I Put a Balloon on a Chattel Mortgage?

Should I Put a Balloon on a Chattel Mortgage. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

What Happens to the Balloon at the End of a Chattel Mortgage?

What Happens to the Balloon at the End of a Chattel Mortgage. Understand what lenders assess, what can improve the application and when comparing lender polic

Can I Pay Out a Chattel Mortgage Early?

Can I Pay Out a Chattel Mortgage Early. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Refinance a Chattel Mortgage?

Can I Refinance a Chattel Mortgage. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

How Long Should a Business Car Loan Term Be?

How Long Should a Business Car Loan Term Be. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

How Long Can Equipment Finance Run For?

How Long Can Equipment Finance Run For. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Do I Need a Deposit for Business Car Finance?

Do I Need a Deposit for Business Car Finance. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can a Business Finance 100% of a Vehicle Purchase?

Can a Business Finance 100% of a Vehicle Purchase. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can Lender and Broker Fees Be Added to Business Car Finance?

Can Lender and Broker Fees Be Added to Business Car Finance. Understand what lenders assess, what can improve the application and when comparing lender policy

Balloon vs Residual: What's the Difference?

Balloon vs Residual: What's the Difference. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Weekly vs Monthly Business Finance Repayments

Weekly vs Monthly Business Finance Repayments. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

How Is an Early Payout Calculated on Business Asset Finance?

How Is an Early Payout Calculated on Business Asset Finance. Understand what lenders assess, what can improve the application and when comparing lender policy

Tax & GST

Can I Claim GST on a Vehicle Financed Through My Business?

Can I Claim GST on a Vehicle Financed Through My Business. Understand what lenders assess, what can improve the application and when comparing lender policy m

GST Car Limit Explained for Business Vehicles

GST Car Limit Explained for Business Vehicles. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Car Depreciation Limit Explained With Examples

Car Depreciation Limit Explained With Examples. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Does a Ute Avoid the Car Depreciation Limit?

Does a Ute Avoid the Car Depreciation Limit. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Finance a Luxury Vehicle Through My Business?

Can I Finance a Luxury Vehicle Through My Business. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

How Does Business-Use Percentage Affect Vehicle Deductions?

How Does Business-Use Percentage Affect Vehicle Deductions. Understand what lenders assess, what can improve the application and when comparing lender policy

What Happens Tax-Wise When I Sell a Financed Business Vehicle?

What Happens Tax-Wise When I Sell a Financed Business Vehicle. Understand what lenders assess, what can improve the application and when comparing lender poli

Balancing Adjustments When You Sell a Business Vehicle

Balancing Adjustments When You Sell a Business Vehicle. Understand what lenders assess, what can improve the application and when comparing lender policy matt

Is Chattel Mortgage Interest Tax Deductible?

Is Chattel Mortgage Interest Tax Deductible. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

How Does GST Work on a Chattel Mortgage?

How Does GST Work on a Chattel Mortgage. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

How Is a Business Vehicle Lease Treated for Tax?

How Is a Business Vehicle Lease Treated for Tax. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can a Financed Vehicle Qualify for the Instant Asset Write-Off?

Can a Financed Vehicle Qualify for the Instant Asset Write-Off. Understand what lenders assess, what can improve the application and when comparing lender pol

Can Financed Equipment Qualify for the Instant Asset Write-Off?

Can Financed Equipment Qualify for the Instant Asset Write-Off. Understand what lenders assess, what can improve the application and when comparing lender pol

Buying a Truck Through a Business: GST, Depreciation & Tax

Buying a Truck Through a Business: GST, Depreciation & Tax. Understand what lenders assess, what can improve the application and when comparing lender policy

Trading In a Business Vehicle: GST and Tax Considerations

Trading In a Business Vehicle: GST and Tax Considerations. Understand what lenders assess, what can improve the application and when comparing lender policy m

Do I Need a Logbook for a Business Vehicle?

Do I Need a Logbook for a Business Vehicle. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Buying a Vehicle Over the Car Limit: What Happens to GST and Depreciation?

Buying a Vehicle Over the Car Limit: What Happens to GST and Depreciation. Understand what lenders assess, what can improve the application and when comparing

Manufacturer Finance Programs: Does the Tax Treatment Change?

Manufacturer Finance Programs: Does the Tax Treatment Change. Understand what lenders assess, what can improve the application and when comparing lender polic

Borrowing capacity & approval

How Much Can a Business Borrow for a Vehicle?

How Much Can a Business Borrow for a Vehicle. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

How Do Lenders Calculate Serviceability for Business Car Finance?

How Do Lenders Calculate Serviceability for Business Car Finance. Understand what lenders assess, what can improve the application and when comparing lender p

Does a Chattel Mortgage Affect Borrowing Capacity?

Does a Chattel Mortgage Affect Borrowing Capacity. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can Business Debt Affect Personal Home-Loan Borrowing Capacity?

Can Business Debt Affect Personal Home-Loan Borrowing Capacity. Understand what lenders assess, what can improve the application and when comparing lender pol

How Long Does Business Car Finance Approval Take?

How Long Does Business Car Finance Approval Take. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can Business Car Finance Be Approved the Same Day?

Can Business Car Finance Be Approved the Same Day. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Get Pre-Approved for Business Car Finance?

Can I Get Pre-Approved for Business Car Finance. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

How Do Lenders Assess Large Equipment Finance Applications?

How Do Lenders Assess Large Equipment Finance Applications. Understand what lenders assess, what can improve the application and when comparing lender policy

Can I Get More Finance if My Business Already Has Loans?

Can I Get More Finance if My Business Already Has Loans. Understand what lenders assess, what can improve the application and when comparing lender policy mat

Do Lenders Look at Cash Flow or Taxable Profit?

Do Lenders Look at Cash Flow or Taxable Profit. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

When Is a Director's Guarantee Required for Business Finance?

When Is a Director's Guarantee Required for Business Finance. Understand what lenders assess, what can improve the application and when comparing lender polic

Does Owning Property Help a Business Finance Application?

Does Owning Property Help a Business Finance Application. Understand what lenders assess, what can improve the application and when comparing lender policy ma

Purchase, settlement & ownership

Buying a Business Vehicle From a Private Seller: Finance Process

Buying a Business Vehicle From a Private Seller: Finance Process. Understand what lenders assess, what can improve the application and when comparing lender p

Buying a Business Vehicle From a Dealer: Finance Process

Buying a Business Vehicle From a Dealer: Finance Process. Understand what lenders assess, what can improve the application and when comparing lender policy ma

Can I Finance a Business Vehicle Bought Interstate?

Can I Finance a Business Vehicle Bought Interstate. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Finance a Business Vehicle Bought at Auction?

Can I Finance a Business Vehicle Bought at Auction. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Get Finance Approval Before I Have a Vehicle Invoice?

Can I Get Finance Approval Before I Have a Vehicle Invoice. Understand what lenders assess, what can improve the application and when comparing lender policy

Can I Change the Vehicle After Finance Is Approved?

Can I Change the Vehicle After Finance Is Approved. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Trade In a Business Vehicle That Still Has Finance Owing?

Can I Trade In a Business Vehicle That Still Has Finance Owing. Understand what lenders assess, what can improve the application and when comparing lender pol

Can a Business Sell a Vehicle With Finance Still Owing?

Can a Business Sell a Vehicle With Finance Still Owing. Understand what lenders assess, what can improve the application and when comparing lender policy matt

What Is the PPSR and Why Does It Matter When Financing a Used Vehicle?

What Is the PPSR and Why Does It Matter When Financing a Used Vehicle. Understand what lenders assess, what can improve the application and when comparing len

Should a Business Vehicle Be Bought in the Company or Director's Name?

Should a Business Vehicle Be Bought in the Company or Director's Name. Understand what lenders assess, what can improve the application and when comparing len

Business funding & working capital

Working Capital Finance: Complete Guide for Australian SMEs

Working Capital Finance: Complete Guide for Australian SMEs. Understand what lenders assess, what can improve the application and when comparing lender policy

Business Line of Credit: How It Works

Business Line of Credit: How It Works. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Unsecured Business Loans: How Lenders Assess Them

Unsecured Business Loans: How Lenders Assess Them. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Debtor Finance / Invoice Finance: How It Works

Debtor Finance / Invoice Finance: How It Works. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Business Overdraft vs Line of Credit

Business Overdraft vs Line of Credit. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Get a Business Loan With Tax Debt?

Can I Get a Business Loan With Tax Debt. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Get a Business Loan Without Property Security?

Can I Get a Business Loan Without Property Security. Understand what lenders assess, what can improve the application and when comparing lender policy matters

Can I Get a Business Loan Without Financial Statements?

Can I Get a Business Loan Without Financial Statements. Understand what lenders assess, what can improve the application and when comparing lender policy matt

What Can a Business Loan Be Used For?

What Can a Business Loan Be Used For. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

When Does Refinancing Business Debt Make Sense?

When Does Refinancing Business Debt Make Sense. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Can I Consolidate Multiple Business Loans?

Can I Consolidate Multiple Business Loans. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

What Finance Options Exist for a Temporary Cash-Flow Shortfall?

What Finance Options Exist for a Temporary Cash-Flow Shortfall. Understand what lenders assess, what can improve the application and when comparing lender pol

Can a Business Loan Be Used to Buy Stock or Inventory?

Can a Business Loan Be Used to Buy Stock or Inventory. Understand what lenders assess, what can improve the application and when comparing lender policy matte

Can a Business Loan Be Used to Pay a Tax Bill?

Can a Business Loan Be Used to Pay a Tax Bill. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

How Can a Business Finance an Expansion?

How Can a Business Finance an Expansion. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

How Does Finance Work When Buying a Business?

How Does Finance Work When Buying a Business. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Scenario library

Scenario: New ABN Buying a $70,000 Ute

Scenario: New ABN Buying a $70,000 Ute. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Scenario: Business With Tax Debt Buying Equipment

Scenario: Business With Tax Debt Buying Equipment. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Scenario: Financing a Truck Bought From a Private Seller

Scenario: Financing a Truck Bought From a Private Seller. Understand what lenders assess, what can improve the application and when comparing lender policy ma

Scenario: Business Made a Loss Last Year but Is Profitable Now

Scenario: Business Made a Loss Last Year but Is Profitable Now. Understand what lenders assess, what can improve the application and when comparing lender pol

Scenario: Director Has a Default and Needs Equipment Finance

Scenario: Director Has a Default and Needs Equipment Finance. Understand what lenders assess, what can improve the application and when comparing lender polic

Scenario: Strong Turnover but Low Taxable Profit

Scenario: Strong Turnover but Low Taxable Profit. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Scenario: Replacing a Vehicle That Still Has Finance Owing

Scenario: Replacing a Vehicle That Still Has Finance Owing. Understand what lenders assess, what can improve the application and when comparing lender policy

Scenario: Startup Needs a Vehicle Before Its First Tax Return

Scenario: Startup Needs a Vehicle Before Its First Tax Return. Understand what lenders assess, what can improve the application and when comparing lender poli

Scenario: Seasonal Business Buying Equipment Before Peak Season

Scenario: Seasonal Business Buying Equipment Before Peak Season. Understand what lenders assess, what can improve the application and when comparing lender po

Scenario: Business Buying a Vehicle Above the Car Limit

Scenario: Business Buying a Vehicle Above the Car Limit. Understand what lenders assess, what can improve the application and when comparing lender policy mat

Scenario: Business With Multiple Existing Loans Needs Another Asset

Scenario: Business With Multiple Existing Loans Needs Another Asset. Understand what lenders assess, what can improve the application and when comparing lende

Scenario: Buying Older Machinery in a Private Sale

Scenario: Buying Older Machinery in a Private Sale. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Lender & market explainers

Westpac Chattel Mortgage: How It Works and What to Compare

Westpac Chattel Mortgage: How It Works and What to Compare. Understand what lenders assess, what can improve the application and when comparing lender policy

Commonwealth Bank Business Vehicle Finance: What to Compare

Commonwealth Bank Business Vehicle Finance: What to Compare. Understand what lenders assess, what can improve the application and when comparing lender policy

NAB Business Vehicle Finance: What to Compare

NAB Business Vehicle Finance: What to Compare. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

ANZ Business Vehicle Finance: What to Compare

ANZ Business Vehicle Finance: What to Compare. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Manufacturer Finance vs Broker-Arranged Finance

Manufacturer Finance vs Broker-Arranged Finance. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

0% Car Finance for Business: What Is the Real Cost?

0% Car Finance for Business: What Is the Real Cost. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

Do Business Loans Have Comparison Rates?

Do Business Loans Have Comparison Rates. Understand what lenders assess, what can improve the application and when comparing lender policy matters.

How Does a Finance Broker Get Paid on Business Finance?

How Does a Finance Broker Get Paid on Business Finance. Understand what lenders assess, what can improve the application and when comparing lender policy matt

Does Comparing Multiple Lenders Mean Multiple Credit Enquiries?

Does Comparing Multiple Lenders Mean Multiple Credit Enquiries. Understand what lenders assess, what can improve the application and when comparing lender pol

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