Here’s a need-to-know list of the top five, best and easiest ways to maximise your chances of securing funding for your business when applying with lenders.
Whether you’re managing growing pains, planning your next big move, or just trying to make cash flow easier, the right loan can be a game-changer. This practical guide breaks down the full lending landscape. We created it to help small business owners compare finance options, understand eligibility, and confidently apply for the funding that fits. This guide cuts through the noise to give you clear, actionable advice on choosing the best loan structure for your goals.
If you’re starting a business in Australia—or even freelancing on the side—you’ve probably heard of an Australian Business Number (ABN). But what exactly is it, and do you really need one?
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Whether you need asset finance or a line of credit. Find the right funding options for your business.
A merchant cash advance gives your business quick access to capital, with repayments tied to your daily sales. You pay more when business is going well, and less when it’s not.
Business term loans let you borrow often without using assets as security, with approval based on your business’s finances and credit profile.
A line of credit lets you access funds as needed. You only pay interest on what you use and can use the funds for a wide variety of business purposes.
Invoice finance helps businesses access cash from unpaid invoices quickly, using accounts receivable as collateral.
Trade financing helps businesses cover the upfront cost of goods, repaid over 2–9 months with either a flat fee or interest.
A business car loan is a way to purchase a vehicle for your business while spreading the cost out over time.
Equipment finance lets your business access the tools it needs now, while spreading the cost over manageable repayments.
Equipment leasing lets your business use equipment, vehicles, or machinery without buying it upfront.
A secured business loan is a type of financing where you use an asset, normally property, as collateral.
A business acquisition loan lets you purchase a franchise or existing business, with flexible repayment terms that align with the business’s cash flow.