Guides
Guides that answer the real questions
New guides every week — researched, written for Australian businesses, and honest about what lenders look at.
Cash flowTax and complianceGetting approvedChoosing capitalGrowth
The Working Capital Gap Explained (With a Worked Example)
What the working capital gap is, how to measure it from your own numbers, why growth makes it bigger, and the cheapest ways to shrink it before you borrow.
18 October 2026 Cash flow
Cash Conversion Cycle by Industry: How Your Model Shapes Cash
Cash conversion cycles for cafes, trades, builders, wholesalers, manufacturers and online stores — and the business capital each pattern needs.
18 October 2026 Tax and compliance
Payday Super 2026: What It Does to Your Working Capital
Payday Super starts 1 July 2026. How paying super every pay run removes the quarterly float from your cash flow, and how to plan for it.
18 October 2026 Tax and compliance
Instant Asset Write-Off 2025–26: Timing Equipment Purchases
The 2025–26 instant asset write-off threshold is $20,000. How 'installed ready for use' sets the timing, and how equipment finance fits in.
18 October 2026 Getting approved
How Lenders Read Business Bank Statements (and What to Fix)
What lenders look for in Australian business bank statements: deposits, consistency, dishonours, other funders and tax. Plus the fixes that speed up approval.
18 October 2026 Tax and compliance
ATO Interest No Longer Deductible: Rethinking Tax Debt in 2026
From 1 July 2025, ATO interest charges aren't tax deductible. What that does to the cost of carrying tax debt, and when clearing it with finance pays.
18 October 2026 Choosing capital
Secured or Unsecured? Choosing Business Capital by Deadline
Secured or unsecured business capital? Three questions — how much, how soon, how long — decide the right lane. A decision guide for owners.
18 October 2026 Growth
Growth Capital Readiness Checklist for Australian SMEs
A 20-point checklist to get your business ready for growth capital: the numbers, documents, staged plan and security lenders ask about.
18 October 2026See what your business could qualify for
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