Business Guides

Practical guides for Australian small businesses — covering grants, equipment finance, growth funding, marketing, and accounting.

Latest guides

Cash Flow Working Capital

5 Cash Flow Mistakes That Kill Growing Businesses

ASIC data: 52% of insolvencies cite cash flow. Here are the 5 mistakes growing Australian businesses make, and how to fix each one before it's too late.

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Hire Vs Buy Machines

Bobcat Hire Rates in Australia: What It Actually Costs

Bobcat hire rates in Australia run from $275 to $440 a day. Published rates from two hire companies, what affects the price, and when hiring stops making sense.

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Fleet Vehicles

Building a Business Fleet: Finance Strategies From 1 Vehicle to 20

As your fleet grows, the real constraint isn't serviceability. It's lender exposure caps. Here's how to structure fleet finance from 1 vehicle to 20.

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Business Line of Credit vs Business Credit Card: Why a Line of Credit Might be the Superior Choice

Explore the differences between a business line of credit and a business credit card, and why a line of credit might be the superior choice.

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Growth Expansion

Buying a Business: What Lenders Will Finance and What They Won't

What lenders will finance when you buy a business depends on the assets, the goodwill, and whether you are buying from a salary or an existing operation. How the split works and the structures that close the gap.

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Eofy Tax Strategy

Chattel Mortgage vs Lease: Which Structure Actually Suits Your Business

Who owns the asset decides everything. The ATO's position on chattel mortgage vs lease: GST timing, deductions and depreciation compared.

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Eofy Tax Strategy

EOFY Equipment Finance: The Smart Business Owner's Playbook

Which finance structure saves you the most tax before June 30? Compare chattel mortgage, finance lease, and rental on the same $85K asset with a worked example.

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Industry Specific

Farm Machinery Finance: How Agricultural Lenders Think Differently

Farm machinery finance is not ordinary equipment finance. How agricultural lenders assess you, and how to structure repayments around your season.

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How to Save Money on Car Finance

Discover the top 10 ways to save money on your car finance. Essential reading for smart car financing.

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