# Emu Money > Australian finance broker matching borrowers with 50+ lenders for personal loans, business loans, and asset finance. Authorised credit representative of Access Lending Group. ## Personal Finance - [Bad Credit Boat Loan Australia](https://emumoney.com.au/personal/boat-finance/boat-finance-bad-credit-australia): Bad credit boat loans in Australia start from 18% p.a. with 20% deposit. Compare credit score requirements, costs, and approval tips across 50+ lenders. - [Best Off-Road and Hybrid Caravans in Australia](https://emumoney.com.au/personal/caravan-finance/best-off-road-caravan) - [Best Rooftop Tents in Australia: Prices, Specs and Buyer Guide](https://emumoney.com.au/personal/car-loans/best-rooftop-tents-australia): Compare the best rooftop tents in Australia with current prices from $999. Hard shell vs soft shell, weight limits, setup tips and what to check before buying. - [Best Types of Loans for Debt Consolidation in Australia](https://emumoney.com.au/personal/debt-consolidation-loans/best-types-of-loans-for-debt-consolidation-in-australia): Compare the 5 types of debt consolidation loans in Australia: personal loans, secured loans, balance transfers, mortgage top-ups, and lines of credit. - [Boat Finance Australia: Compare Loans from 50+ Lenders](https://emumoney.com.au/personal/boat-finance): Compare boat finance from 50+ Australian lenders in one application. Finance new or used boats from $5,000 to $150,000+ with terms from 1 to 7 years. - [Boat Loan Interest Rates in Australia](https://emumoney.com.au/personal/boat-finance/boat-loan-interest-rates-australia): Boat loan rates in Australia range from 6.30% to 24.95%. See what affects your rate, how secured vs unsecured compares, and how to get a lower offer. - [Boat Motor Finance Australia](https://emumoney.com.au/personal/boat-finance/boat-motor-finance-australia): Finance a boat motor from $3,000 to $40,000+. Compare manufacturer vs broker finance, repower options, and see what you can bundle into one loan. - [Braces Cost in Australia: Kids, Teens and Adults](https://emumoney.com.au/personal/medical-loans/braces-cost-australia): Braces are billed per quarter of treatment, not as a flat fee. Why no Australian body publishes a price, and what changes it for kids, teens and adults. - [Camper Trailer Finance Australia: Compare 50+ Lenders](https://emumoney.com.au/personal/camper-trailer-finance): Compare camper trailer finance from 50+ Australian lenders in one application. Finance new or used camper trailers from $5,000 to $80,000+ with terms from 1 to 7 years. - [Camper Trailer Finance: Rates and Options in Australia](https://emumoney.com.au/personal/caravan-finance/camper-trailer-finance): Camper trailer finance rates run 7% to 12% secured in Australia. See which structure suits your price bracket, worked cost examples, and the depreciation reality lenders use. - [Car Loan Requirements: What You Need to Apply](https://emumoney.com.au/personal/car-loans/car-loan-requirements): Car loan requirements in Australia: ID documents, credit score thresholds, income proof by employment type, and vehicle rules. See the full checklist. - [Car Loan vs Lease: Which Is Better in Australia?](https://emumoney.com.au/personal/car-loans/car-loan-vs-lease): Car loan vs lease compared for 2026. See the total cost on a $40,000 car, how novated leasing works, the residual trap, and the EV FBT exemption advantage. - [Car Loan vs Personal Loan: Which Is Better for Buying a Car?](https://emumoney.com.au/personal/car-loans/car-loan-vs-personal-loan): Car loan vs personal loan: compare rates, costs, and flexibility on a $25,000 purchase. See which option saves you more in Australia. - [Car Loans Australia - Compare Rates from 50+ Lenders](https://emumoney.com.au/personal/car-loans): Compare car loan rates from 5.67% across 50+ Australian lenders. Borrow $5,000 to $200,000 for new or used vehicles. Same-day decisions available. - [Car Loans for Pensioners in Australia](https://emumoney.com.au/personal/car-loans/car-loans-for-pensioners): Car loans for pensioners in Australia: how Age Pension, DSP, and Carer Payment income affects approval. Compare specialist lenders, NILS, and loan term options. - [Car Loans on Centrelink: What Are Your Options?](https://emumoney.com.au/personal/car-loans/centrelink-car-loans): Centrelink car loans explained: compare specialist lenders, NILS vehicle loans ($2k-$5k at 0%), and Centrepay options. See what you need to get approved. - [Car Loans with Bad Credit in Australia](https://emumoney.com.au/personal/car-loans/car-loans-bad-credit): Compare bad credit car loan rates from 10% to 25%. See what it costs, how lenders assess your application, and steps to improve approval odds. - [Car Trailer Finance: What to Know Before You Buy](https://emumoney.com.au/personal/trailer-finance/car-trailer-finance): Compare car trailer finance options from 50+ Australian lenders. Rates from 7%, terms 2-7 years. See when finance makes sense, costs by trailer type, and how to apply. - [Caravan Finance Australia: Compare 50+ Lenders](https://emumoney.com.au/personal/caravan-finance): Compare caravan finance from 50+ Australian lenders in one application. Finance new or used caravans from $10,000 to $150,000+ with terms from 1 to 7 years. - [Caravan Finance with Bad Credit in Australia](https://emumoney.com.au/personal/caravan-finance/caravan-finance-bad-credit): Caravan finance with bad credit costs 16% to 25% in Australia. Compare three pathways, see the real cost on a $40,000 loan, and find out when waiting saves thousands. - [Caravan Repairs and Servicing Costs: What Workshops Publish](https://emumoney.com.au/personal/caravan-finance/caravan-repairs-service-costs): Caravan servicing starts from $399 at the one workshop that publishes a price. What that includes, how often the work needs doing, and your rights if it goes wrong. - [Caravan vs Motorhome: Which Should You Finance?](https://emumoney.com.au/personal/caravan-finance/caravan-vs-motorhome-finance): Compare the finance costs of a caravan vs motorhome in Australia. See purchase prices, depreciation, running costs and a total cost of ownership breakdown. - [Centrelink Loans: What You Can Actually Get in 2026](https://emumoney.com.au/personal/personal-loans/centrelink-loans): Centrelink advance payments, NILS, and personal loans explained. See amounts, costs, and which option suits your situation. - [Chery Omoda 5 Buyer Guide: Prices, Problems, C5](https://emumoney.com.au/personal/car-loans/chery-omoda-5-review-and-buyer-guide): Chery Omoda 5 buyer guide: new C5 driveaway prices, used values, common problems, ANCAP scores and the 7-year warranty explained. Updated for 2026. - [Construction Loan for Renovation: How It Works](https://emumoney.com.au/personal/home-renovation-loans/construction-loan-for-renovation): How construction loans for renovation work in Australia. Staged drawdowns, requirements, costs, and when a personal loan is the simpler option. - [Cosmetic Surgery Loans: How to Finance Your Procedure](https://emumoney.com.au/personal/medical-loans/cosmetic-surgery-loans): Compare cosmetic surgery loan options in Australia. See procedure costs for breast augmentation, rhinoplasty, tummy tucks and more. Find the right finance. - [Cost of Dentures for Pensioners in Australia (2026)](https://emumoney.com.au/personal/medical-loans/cost-of-dentures-for-pensioners): Free in NSW, $155 for a full set in Victoria. What a concession card gets you, the government schedule fees, and why the denture queue is separate. - [Credit Card Debt Consolidation: Your Options in Australia](https://emumoney.com.au/personal/debt-consolidation-loans/credit-card-debt-consolidation-australia): Compare your options for consolidating credit card debt in Australia. Personal loan vs balance transfer, with examples showing when each one saves you the most. - [Debt Consolidation Loans - Compare 50+ Lenders](https://emumoney.com.au/personal/debt-consolidation-loans): Compare debt consolidation loans from 50+ Australian lenders. Roll credit cards, personal loans and other debts into one fixed repayment from $2,000 to $100,000+. - [Debt Consolidation Loans with Bad Credit in Australia](https://emumoney.com.au/personal/debt-consolidation-loans/debt-consolidation-loans-with-bad-credit-in-australia): Can you get a debt consolidation loan with bad credit in Australia? Honest guide to credit score thresholds, realistic rates, and when consolidation helps or hurts. - [Dental Crown Cost in Australia (2026 Guide)](https://emumoney.com.au/personal/medical-loans/dental-crown-cost-australia): A crown is billed as several items, not one: $1,141.30 to $1,659.80 on the 2026 government schedule, plus the core built underneath. How to read a quote. - [Dental Implant Cost in Australia (2026 Guide)](https://emumoney.com.au/personal/medical-loans/dental-implant-cost-australia): Dental implant cost is not published on either government schedule checked. What the DVA and NSW fees do cover, and how to compare quotes without a benchmark. - [Dental Loans in Australia: Your Options Explained](https://emumoney.com.au/personal/medical-loans/dental-loans-australia): Compare six ways to finance dental work in Australia. Personal loans, payment plans, CDBS, NILS and more. See real procedure costs and find the right option. - [Dental Loans on Centrelink: What Are Your Options?](https://emumoney.com.au/personal/medical-loans/dental-loans-centrelink): Five ways to get dental treatment on Centrelink: public clinics, CDBS, NILS, dental schools, and personal loans compared. Find what works for you. - [Education Loans](https://emumoney.com.au/personal/education-loans): Compare Education Loans from Over 50+ lenders - [Electric motorbikes in Australia: models and costs](https://emumoney.com.au/personal/motorbike-finance/electric-motorbikes-australia): Compare electric motorbikes in Australia from $5,650 to $49,000+. Models, specs, range, running costs, LAMS rules and charging explained. - [First Car Loan: A Beginner's Guide](https://emumoney.com.au/personal/car-loans/first-car-loan): How to get your first car loan in Australia. See what lenders look for, what it really costs, and a pre-application checklist to improve your approval odds. - [Food Truck Finance in Australia: How It Works](https://emumoney.com.au/personal/trailer-finance/food-truck-finance): Compare food truck finance options from 50+ Australian lenders. Chattel mortgage rates from 6%, terms 2-7 years. See costs by setup type, tax benefits, and how to apply. - [GCM Meaning: GVM vs GCM and What It Means for Towing](https://emumoney.com.au/personal/caravan-finance/gvm-vs-gcm) - [Government Debt Consolidation Programs in Australia](https://emumoney.com.au/personal/debt-consolidation-loans/government-debt-consolidation-programs-in-australia): There's no government consolidation loan in Australia, but free help exists. Compare NDH, NILS, hardship rights, and Part 9 debt agreements. - [Guarantor Car Loans: How They Work in Australia](https://emumoney.com.au/personal/car-loans/guarantor-car-loans): How guarantor car loans work in Australia. Learn what a guarantor is liable for, the risks involved, and when a guarantor makes sense for your car finance. - [Holiday Loan vs Buy Now Pay Later: Which Costs Less for Travel?](https://emumoney.com.au/personal/holiday-loans/holiday-loan-vs-buy-now-pay-later): Compare the real cost of BNPL vs a holiday loan for travel in Australia. See which is cheaper for $2K, $5K and $10K trips, plus late fee risks and BNPL caps. - [Holiday Loans Australia: Compare Options from 50+ Lenders](https://emumoney.com.au/personal/holiday-loans): Compare holiday loans from 50+ Australian lenders in one application. Borrow $2,000 to $35,000 for travel, flights, accommodation and experiences with fixed repayments. - [Holiday Loans with Bad Credit in Australia](https://emumoney.com.au/personal/holiday-loans/holiday-loans-with-bad-credit-in-australia): Can you get a holiday loan with bad credit in Australia? See which credit issues lenders accept, which ones they don't, and how to improve your chances. - [Home Renovation Grants in Australia: What You Can Get](https://emumoney.com.au/personal/home-renovation-loans/home-renovation-grants-australia): Home renovation grants in Australia 2026: what is available, what closed, and how to finance the renovations grants do not cover. - [Home Renovation Loans](https://emumoney.com.au/personal/home-renovation-loans): Compare home renovation loans from 6.3% across 50+ lenders. Borrow $5,000 to $200,000 with terms up to 7 years. No equity required. Same-day decisions. - [Horse Float Finance: Rates and Options in Australia](https://emumoney.com.au/personal/trailer-finance/horse-float-finance): Compare horse float finance options from 50+ Australian lenders. Secured loan rates from 7%, terms 3-7 years. See costs by float type, what lenders look for, and how to apply. - [How Does Debt Consolidation Work in Australia?](https://emumoney.com.au/personal/debt-consolidation-loans/how-does-debt-consolidation-work-australia): How debt consolidation works in Australia, explained simply. Before-and-after example, the three things that change, steps to consolidate, and when it is not the right move. - [How Much Can I Borrow for a Car Loan?](https://emumoney.com.au/personal/car-loans/how-much-can-i-borrow-car-loan): How much you can borrow for a car loan by salary level. See estimated borrowing capacity from $40k to $120k, what reduces it, and how to increase it. - [How Much Can I Borrow for a Personal Loan?](https://emumoney.com.au/personal/personal-loans/how-much-can-i-borrow-personal-loan): See how much you can borrow by salary ($40k to $120k). Worked example at $70k, plus what credit cards, BNPL and dependants do to your limit. - [How Much Does a Jet Ski Cost in Australia?](https://emumoney.com.au/personal/jet-ski-finance/how-much-does-a-jet-ski-cost-australia): New jet ski prices in Australia from $8,499 to $34,999. Compare 2026 prices by brand, model tier, and use case. See used prices, running costs, and monthly finance repayments. - [How Much Does a Wedding Cost in Australia in 2026?](https://emumoney.com.au/personal/wedding-loans/how-much-does-a-wedding-cost-in-australia): The average Australian wedding costs $38,252 in 2026. See the full breakdown by category, state and budget level, plus how most couples pay for it. - [How Much Should an Engagement Ring Cost in Australia?](https://emumoney.com.au/personal/wedding-loans/how-much-should-an-engagement-ring-cost) - [How to Budget for a Wedding in Australia](https://emumoney.com.au/personal/wedding-loans/how-to-budget-for-a-wedding-in-australia): A practical wedding budget breakdown for Australian couples. See what percentage to spend on each category and how to avoid the 23% average overspend. - [How to Finance a Motorbike in Australia: A Step-by-Step Guide](https://emumoney.com.au/personal/motorbike-finance/how-to-finance-a-motorbike): How to finance a motorbike in Australia in 7 steps. Learn which loan type suits your purchase, what documents you need, and how to get the lowest rate. - [How to Get a Loan for Surgery in Australia](https://emumoney.com.au/personal/medical-loans/loan-for-surgery-australia): Compare surgery costs, check what Medicare covers, and find out when a personal loan makes sense. Out-of-pocket costs for 6 common procedures. - [Instant Asset Write-Off for Cars: What You Can Claim](https://emumoney.com.au/personal/car-loans/instant-asset-write-off-cars): The instant asset write-off limit is $20,000, so a car at or above it is pooled instead. The car limit for 2026-27, and how the ATO tests the cost. - [Invisalign Cost in Australia (by City)](https://emumoney.com.au/personal/medical-loans/invisalign-cost-australia): Invisalign costs $4,500 to $9,000 in Australia. Compare pricing by city, treatment tier, and payment option. See what health insurance covers and how to pay. - [Is a Holiday Loan a Good Idea? Pros and Cons](https://emumoney.com.au/personal/holiday-loans/is-a-holiday-loan-a-good-idea-pros-and-cons): Is borrowing for a holiday worth the interest? See the real cost of a holiday loan over 1-5 years, when it makes sense, when to save instead, plus a quick checklist. - [Is Debt Consolidation a Good Idea? Pros and Cons](https://emumoney.com.au/personal/debt-consolidation-loans/is-debt-consolidation-a-good-idea-pros-and-cons): Is debt consolidation worth it? Compare the pros and cons with current AU rates, worked cost examples, and a checklist to decide if it's right for you. - [Jet Ski Finance Australia | Compare 50+ Lenders](https://emumoney.com.au/personal/jet-ski-finance): Compare jet ski finance from 50+ Australian lenders. Borrow $3,000 to $50,000+ for a new or used Sea-Doo, WaveRunner or Kawasaki. Funded in 24-48 hours. - [Jet Ski Finance with Bad Credit in Australia](https://emumoney.com.au/personal/jet-ski-finance/jet-ski-finance-bad-credit): Jet ski finance with bad credit from specialist Australian lenders. Rates from 12%, deposits from 20%. See what bad credit costs, which lenders approve, and how to strengthen your application. - [Jet Ski Insurance in Australia: Cover and Costs (2026)](https://emumoney.com.au/personal/jet-ski-finance/jet-ski-insurance-australia): Jet ski insurance is not compulsory in NSW. What cover includes, why insurers quote rather than publish, and NSW's $512 rego and $260 licence fees. - [Laser Eye Surgery Finance: Loans and Payment Options](https://emumoney.com.au/personal/medical-loans/laser-eye-surgery-finance): Compare LASIK, SMILE, PRK and ICL costs in Australia plus four ways to pay. See what glasses cost you over 20 years vs laser eye surgery. - [Low Doc Personal Loans in Australia](https://emumoney.com.au/personal/personal-loans/low-doc-personal-loans): Low doc personal loans for self-employed Australians. Compare rates, see what documents you need, and find out how much the low doc premium really costs. - [Luxury Car Tax Threshold 2026-27: The Current Limits](https://emumoney.com.au/personal/car-loans/luxury-car-tax-threshold) - [Medical Loans](https://emumoney.com.au/personal/medical-loans): Compare medical loans from 5.67% across 50+ lenders. Finance dental, cosmetic, surgical and elective procedures from $2,000 to $75,000. Same-day approvals. - [Motorbike Finance Australia: Compare Loans from 50+ Lenders](https://emumoney.com.au/personal/motorbike-finance): Compare motorbike finance from 50+ Australian lenders in one application. Borrow $2,000 to $50,000+ for new or used bikes with terms from 1 to 7 years. - [Motorbike Finance Rates in Australia: What to Expect in 2026](https://emumoney.com.au/personal/motorbike-finance/motorbike-finance-rates-australia): Motorbike finance rates in Australia start from 5.67% secured. See current rates by loan type, what affects your rate, and how to get the lowest offer. - [Motorbike Finance with Bad Credit in Australia](https://emumoney.com.au/personal/motorbike-finance/motorbike-finance-bad-credit): Bad credit motorbike finance in Australia starts from 12% p.a. with specialist lenders. See what lenders look at, rates by credit tier, and how to strengthen your application. - [No Deposit Car Finance: How It Works](https://emumoney.com.au/personal/car-loans/no-deposit-car-finance): No deposit car finance in Australia: how 100% LVR loans work, what skipping a deposit actually costs, and when it makes sense vs saving first. - [No Deposit Caravan Finance: Can You Get Approved?](https://emumoney.com.au/personal/caravan-finance/no-deposit-caravan-finance): No deposit caravan finance is available from Australian lenders for borrowers with clean credit. See what it costs, when it makes sense, and how to get approved. - [Personal Loan for Debt Consolidation: How It Works](https://emumoney.com.au/personal/debt-consolidation-loans/personal-loan-for-debt-consolidation): How to use a personal loan to consolidate debt in Australia. Step-by-step process, fees to watch, term trade-offs, and why a personal loan beats a mortgage top-up. - [Personal Loan for Renovations: When It Makes Sense](https://emumoney.com.au/personal/home-renovation-loans/personal-loan-for-renovations): When does a personal loan make sense for renovations? Compare rates, total costs, and three worked scenarios to see if it suits your project. - [Personal Loan vs Caravan Loan: Which Is Better?](https://emumoney.com.au/personal/caravan-finance/personal-loan-vs-caravan-loan): A personal loan for a caravan costs $3,500 to $9,000 more in interest than a secured caravan loan on a $50K purchase. But a personal loan wins for fitouts, older caravans, and purchases under $15K. - [Personal Loan vs Credit Card: Which Is Better?](https://emumoney.com.au/personal/personal-loans/personal-loan-vs-credit-card): Personal loan vs credit card: see the total cost on $10,000 of debt, when each option wins, and how balance transfers compare. Australian rates and data. - [Personal Loans Australia: Compare 50+ Lenders](https://emumoney.com.au/personal/personal-loans): Compare personal loans from 50+ Australian lenders in one application. Borrow $2,000 to $75,000+ with terms from 1 to 7 years. Secured and unsecured options. - [Personal Loans for Pensioners in Australia](https://emumoney.com.au/personal/personal-loans/personal-loans-for-pensioners): Personal loans for pensioners in Australia. See how pension income is assessed, how much you can borrow, age limits, and cheaper alternatives. - [Personal Loans with Bad Credit in Australia](https://emumoney.com.au/personal/personal-loans/personal-loans-bad-credit): Bad credit personal loan rates start from 12.9% secured. See what each Equifax score tier means for your options, rates, and approval chances. - [Refinancing a Car Loan: When It Makes Sense](https://emumoney.com.au/personal/car-loans/refinancing-a-car-loan): Refinance your car loan and save thousands. See two worked examples, a breakeven calculator, and a decision checklist for Australian borrowers. - [Refinancing for Renovations: Is It Worth It?](https://emumoney.com.au/personal/home-renovation-loans/refinancing-for-renovations): Is refinancing for renovations worth it? Compare costs, calculate your break-even point, and see how it stacks up against a top-up or personal loan. - [Renovation Finance: How to Choose the Right Option](https://emumoney.com.au/personal/home-renovation-loans/renovation-finance): Compare all five renovation finance options in Australia. See which one costs less in total interest and suits your project size and timeline. - [Root Canal Cost in Australia (and Why Prices Vary)](https://emumoney.com.au/personal/medical-loans/root-canal-cost-australia): Root canal is billed per canal: $522.55 for a front tooth and $1,016.25 for a molar on the 2026 government schedule, before the crown. How to compare quotes. - [Salary Sacrifice Car: How It Works in Australia](https://emumoney.com.au/personal/car-loans/salary-sacrifice-car): How a salary sacrifice car works in Australia, using the ATO's own worked example: the employee contribution that decides whether you save. - [Sea-Doo Spark vs FishPro: Prices, Specs and Which to Buy](https://emumoney.com.au/personal/jet-ski-finance/sea-doo-spark-vs-fishpro): Sea-Doo Spark from $9,999 against the FishPro from $25,999. Australian 2026 prices, specs and which one actually suits how you ride. - [Secured vs Unsecured Boat Loans](https://emumoney.com.au/personal/boat-finance/secured-vs-unsecured-boat-loans): Secured boat loans start from 6.74%, unsecured from 6.30%. Compare rates, total cost, default risk, and see which structure suits your purchase. - [Secured vs Unsecured Car Loans: What's the Difference?](https://emumoney.com.au/personal/car-loans/secured-vs-unsecured-car-loans): Secured vs unsecured car loans compared. See the real cost difference on a $25,000 loan, how the PPSR works, and which option suits your situation. - [Secured vs Unsecured Caravan Loans: What's the Difference?](https://emumoney.com.au/personal/caravan-finance/secured-vs-unsecured-caravan-loans): Secured caravan loans are 1-4% cheaper than unsecured. See the dollar difference on $30K, $50K, and $80K loans, plus a decision matrix for which structure suits you. - [Secured vs Unsecured Motorbike Loans: Which Saves You More?](https://emumoney.com.au/personal/motorbike-finance/secured-vs-unsecured-motorbike-loans): Compare secured vs unsecured motorbike loans in Australia. See real rate differences, total interest costs, and which suits your purchase. - [Secured vs Unsecured Personal Loans: What's the Difference?](https://emumoney.com.au/personal/personal-loans/secured-vs-unsecured-personal-loans): Secured personal loans average 9.38% vs 10.32% unsecured. Compare monthly repayments, total costs, and rate ranges by credit score. - [Trailer Finance Australia: Compare Loans from 50+ Lenders](https://emumoney.com.au/personal/trailer-finance): Compare trailer finance from 50+ Australian lenders in one application. Finance box trailers, camper trailers, horse floats and car carriers from $5,000 to $80,000+. - [Trailer Finance for Tradies: Tax Benefits and How to Apply](https://emumoney.com.au/personal/trailer-finance/trailer-finance-for-tradies): Trailer finance for tradies from 50+ lenders. Chattel mortgage rates from 6%, instant asset write-off saves thousands. See tax benefits, rates by ABN age, and how to apply. - [Used Boat Finance Australia](https://emumoney.com.au/personal/boat-finance/used-boat-finance-australia): Used boat finance in Australia from 50+ lenders. Compare rates, age limits, survey costs, and what lenders check before approving your loan. - [Used Jet Ski Finance: What to Know Before You Buy](https://emumoney.com.au/personal/jet-ski-finance/used-jet-ski-finance): Used jet ski finance from 50+ lenders. Secured loan rates from 8%, terms 2-5 years. See used prices by age, what to check before buying, and which jet skis lenders will actually finance. - [Used Motorbike Finance in Australia: What Changes When You Buy Second Hand](https://emumoney.com.au/personal/motorbike-finance/used-motorbike-finance): Financing a used motorbike? Bike age changes your rate, term, and loan type. Age-bracket guide, PPSR checks, and private sale vs dealer differences. - [Using Equity to Renovate: How It Works in Australia](https://emumoney.com.au/personal/home-renovation-loans/using-equity-to-renovate): Learn how using equity to renovate works in Australia. Compare top-ups, redraw and refinancing options, calculate usable equity, and understand the true cost. - [Ute and Truck Finance](https://emumoney.com.au/personal/ute-and-truck-finance): Compare Ute and Truck Finance from Over 50+ lenders - [Van Finance](https://emumoney.com.au/personal/van-finance): Compare Van Finance from Over 50+ lenders - [Van Life Australia: Setup, Registration and Running Costs](https://emumoney.com.au/personal/car-loans/van-life-australia) - [Veneers Cost in Australia: Composite vs Porcelain](https://emumoney.com.au/personal/medical-loans/veneers-cost-australia): Composite veneers benchmark at $278.60 a tooth and porcelain at $1,028.05 on the 2026 government schedule. Compare lifespan, cost per year and cover. - [Wedding Loans Australia - Compare 50+ Lenders](https://emumoney.com.au/personal/wedding-loans): Compare wedding loans across 50+ Australian lenders. Finance venues, catering, attire and honeymoons from $5,000 to $50,000+. Same-day decisions available. - [Wedding Loans with Bad Credit: Your Options in Australia](https://emumoney.com.au/personal/wedding-loans/wedding-loans-bad-credit-australia): Can you get a wedding loan with bad credit in Australia? Yes, with the right lender. See minimum scores, rates to expect and how to improve your chances. - [Wisdom Teeth Removal Cost in Australia (With and Without GA)](https://emumoney.com.au/personal/medical-loans/wisdom-teeth-removal-cost): Wisdom teeth removal costs $153.65 to $383.23 per tooth on the 2026 government fee schedule. See what a general anaesthetic, Medicare and insurance add. ## Business Finance - [Are Business Car Loans Cheaper Than Personal Car Loans?](https://emumoney.com.au/business/business-car-loans/are-business-car-loans-cheaper-than-personal-car-loans): Compare business car loans and personal car loans in Australia. Business finance starts from 6.59%, but GST credits, depreciation, and tax deductions can make it cheaper after tax. - [Asset Finance](https://emumoney.com.au/business/asset-finance): Compare asset finance rates from 6.59% across 50+ lenders. Vehicles, equipment and machinery from $5,000 to $2,000,000 with terms up to 7 years. - [Asset Finance for Startups: How to Get Approved](https://emumoney.com.au/business/asset-finance/asset-finance-for-startups-how-to-get-approved): Startups can get asset finance in Australia — even with a new ABN. See what lenders look for, typical rates, and how to improve your chances of approval. - [Asset Finance Interest Rates: What to Expect in Australia](https://emumoney.com.au/business/asset-finance/asset-finance-interest-rates-what-to-expect-in-australia): Asset finance rates in Australia range from 6.5% to 19%+. See how asset type, age, credit score, and business history affect your rate — with worked examples. - [Asset Finance vs a Business Loan: Which Is Cheaper?](https://emumoney.com.au/business/asset-finance/asset-finance-vs-a-business-loan-which-is-cheaper): Compare asset finance and unsecured business loans in Australia. Rates from 6.59% vs 7.95%+. See when each option is cheaper and when you might need both. - [Business Car Loan Documents: What You Need for Each Situation](https://emumoney.com.au/business/business-car-loans/business-car-loan-documents-what-you-need-for-each-situation): Complete checklist of business car loan documents for every situation. See what you need by ABN age, entity type, credit history and visa status in Australia. - [Business Car Loan Interest Rates in Australia (July 2026)](https://emumoney.com.au/business/business-car-loans/business-car-loan-rates-in-australia-what-to-expect): Business car loan interest rates start from 5.99% in July 2026. Current chattel mortgage rates by lender tier, plus the seven factors that set your rate. - [Business Car Loan Requirements: What You Need to Apply](https://emumoney.com.au/business/business-car-loans/business-car-loan-requirements-what-you-need-to-apply): Business car loan requirements in Australia vary by ABN age, GST status, credit history, and property ownership. Here's what you need for each situation — from no-doc approvals to specialist lending. - [Business Car Loans Australia](https://emumoney.com.au/business/business-car-loans): Compare business car loans from 6.59% across 50+ lenders. Chattel mortgage, hire purchase, lease. Same-day decisions. Apply online. - [Business Car Loans for Visa Holders in Australia](https://emumoney.com.au/business/business-car-loans/business-car-loans-for-visa-holders-in-australia): Can visa holders get a business car loan in Australia? Yes — but your visa type, expiry date, and ABN history determine your options. Full guide to lender policies by visa subclass. - [Business Car Loans with Bad Credit in Australia](https://emumoney.com.au/business/business-car-loans/business-car-loans-with-bad-credit-in-australia): Get a business car loan with bad credit in Australia. Specialist lenders approve defaults and low scores. See rates, deposit requirements and how to apply. - [Business Car Loans Without a Personal Guarantee](https://emumoney.com.au/business/business-car-loans/business-car-loans-without-a-personal-guarantee): Most business car loans in Australia require a personal guarantee — but there are structures and situations where you can avoid or limit one. Here's how personal guarantees work and what your options are. - [Business Credit Card vs Line of Credit: Which Costs Less?](https://emumoney.com.au/business/line-of-credit/business-credit-card-vs-line-of-credit): Compare the real cost of a business credit card vs line of credit at three spending levels. See which is cheaper for your business in 2026. - [Business Line of Credit](https://emumoney.com.au/business/line-of-credit): Compare business lines of credit from 7.99% across 50+ lenders. Limits from $5,000 to $500,000. Only pay interest on what you draw. Same-day approvals. - [Business Line of Credit with Bad Credit: What Are Your Options?](https://emumoney.com.au/business/line-of-credit/business-line-of-credit-bad-credit): Bad credit doesn't always mean no line of credit. See what Australian non-bank lenders offer by credit score band, from rates to limits and conditions. - [Business Loan Deposits: How Much Do You Need?](https://emumoney.com.au/business/business-loans/business-loan-deposits-how-much-do-you-need): How much deposit for a business loan in Australia? Unsecured: 0%. Equipment: 0–20%. Property: 20–30%. Acquisitions: 30–50%. Full breakdown. - [Business Loan vs Business Overdraft: Which Is Better?](https://emumoney.com.au/business/business-overdraft/business-loan-vs-business-overdraft-which-is-better): Business loan or overdraft? Compare rates, costs, and three real scenarios with dollar figures. See which option saves Australian businesses more in 2026. - [Business Loan vs Line of Credit: How to Choose the Right One](https://emumoney.com.au/business/business-loans/business-loan-vs-line-of-credit-which-should-you-choose): Business loan or line of credit? See the real cost difference, three common product mismatches, and a decision tree to choose the right one for your business. - [Business Loans Australia](https://emumoney.com.au/business/business-loans): Compare business loans from 7.59% across 50+ lenders. Secured and unsecured, $2K-$2M, same-day decisions. Apply online. - [Business Loans for Bad Credit in Australia: What You Can Actually Get](https://emumoney.com.au/business/business-loans/business-loans-for-bad-credit-in-australia): Bad credit business loans in Australia: see what's available at each credit level, rates to expect, and how to improve your chances before applying. - [Business Loans for Car Dealerships in Australia](https://emumoney.com.au/business/business-loans/business-loans-for-car-dealerships-in-australia): Compare business loan options for Australian car dealerships. Floor plan finance, working capital, equipment loans and more from 50+ lenders. Rates from 7.95%. - [Business Overdrafts Australia - Compare 50+ Lenders](https://emumoney.com.au/business/business-overdraft): Compare business overdrafts from 14.55% across 50+ lenders. $10k-$250k limits, interest only on what you use. Fast decisions. Apply online. - [Can You Get a Business Overdraft If You're Self-Employed?](https://emumoney.com.au/business/business-overdraft/can-you-get-a-business-overdraft-if-youre-selfemployed): Self-employed? Yes, you can get a business overdraft. Compare eligibility across major banks and non-bank lenders, rates from 14.55%, and what you need to apply. - [Can You Get a Car Loan with an ABN?](https://emumoney.com.au/business/business-car-loans/can-you-get-a-car-loan-with-an-abn): Find out if you can get a car loan with an ABN in Australia. Compare prime, mid-tier, and specialist lender requirements for ABN age, GST registration, and rates. - [Can You Get an Unsecured Business Loan from a Bank?](https://emumoney.com.au/business/unsecured-business-loans/unsecured-business-loan-from-a-bank): Australian banks approve only 25-35% of unsecured business loan applications. Compare bank vs non-bank options, rates, and approval criteria. - [Can You Get an Unsecured Loan to Buy a Business?](https://emumoney.com.au/business/unsecured-business-loans/unsecured-loan-to-buy-a-business): You can get an unsecured loan to buy a business, but only if you already own one. Compare unsecured, secured, and vendor finance pathways. - [Car Loan Tax Deductions for Business in Australia (2026-27)](https://emumoney.com.au/business/business-car-loans/are-business-car-loans-tax-deductible-in-australia): Car loan tax deductions for business: claim interest, depreciation (car limit $69,883), GST credits, and running costs. Updated for the 2026-27 financial year. - [Car Loans for Small Business Owners in Australia](https://emumoney.com.au/business/business-car-loans/car-loans-for-small-business-owners-in-australia): Small business owners in Australia can access car loans from 5.99% with terms up to 7 years. Here's how business car finance works for sole traders, partnerships, and Pty Ltd companies — plus what lenders look for. - [Chattel Mortgage Australia](https://emumoney.com.au/business/chattel-mortgage): Compare chattel mortgage rates from 6.59% across 50+ lenders. Own the asset from day one, claim GST upfront, and settle in 24–48 hours. Apply online. - [Chattel Mortgage Explained: What It Is and How It Works](https://emumoney.com.au/business/equipment-finance/chattel-mortgage-explained): A chattel mortgage lets you buy business vehicles or equipment and claim GST, interest, and depreciation. See how it works, what it costs, and who qualifies. - [Commercial Hire Purchase: How It Works in Australia](https://emumoney.com.au/business/equipment-finance/commercial-hire-purchase-explained): How commercial hire purchase works in Australia: tax treatment, GST, costs at 3 price points and when CHP is the right choice for your business. - [Commercial Property Loan Deposits: How Much Do You Need?](https://emumoney.com.au/business/commercial-property-loans/commercial-property-loan-deposits-how-much-do-you-need): Commercial property loan deposits in Australia range from 20% to 35%. See deposit requirements by property type, LVR tiers, and total purchase costs. - [Commercial Property Loan Interest Rates in Australia](https://emumoney.com.au/business/commercial-property-loans/commercial-property-loan-interest-rates-in-australia): Commercial loan rates in Australia range from 6.05% to 14%. See current rates by LVR, property type, and lender. April 2026 data. - [Commercial Property Loans Australia: Compare 50+ Lenders](https://emumoney.com.au/business/commercial-property-loans): Compare commercial property loans from 50+ Australian lenders. Finance offices, retail, industrial and mixed-use properties from $100,000 to $10,000,000+. - [Company Car Loan Policy: A Guide for Employers](https://emumoney.com.au/business/business-car-loans/company-car-loan-policy-a-guide-for-employers): A company car loan policy sets rules for vehicle procurement, driver eligibility, private use, and FBT. Here's how Australian employers structure car loan policies — with templates, tax implications, and fleet finance options. - [Debt vs Equity Financing: Which Is Right for Your Business?](https://emumoney.com.au/business/business-loans/debt-vs-equity-financing-which-is-right-for-your-business): Compare the real cost of debt vs equity financing for Australian businesses. See the numbers, tax benefits, and when each option makes sense. - [Equipment Finance](https://emumoney.com.au/business/equipment-finance): Compare equipment finance rates from 6.59% across 50+ lenders. Chattel mortgage, hire purchase and finance lease options from $5,000 to $2,000,000. - [Equipment Finance Rates Australia 2026: What You'll Pay](https://emumoney.com.au/business/equipment-finance/equipment-finance-rates): Equipment finance rates in Australia start from 6.59% in 2026. See what you'll actually pay based on your business profile, asset type, and documentation. - [Equipment Finance Tax Benefits: What You Can Claim in 2026](https://emumoney.com.au/business/equipment-finance/equipment-finance-tax-benefits): Equipment finance tax benefits include GST credits, depreciation, and interest deductions. See how much you can claim by structure, with a 5-year worked example. - [Hire Purchase vs Chattel Mortgage: What's the Difference?](https://emumoney.com.au/business/equipment-finance/hire-purchase-vs-chattel-mortgage): Hire purchase vs chattel mortgage: ownership, GST, tax and cost compared. Worked examples on the same asset so you can see the real difference. - [How Hard Is It to Get a Business Loan in Australia?](https://emumoney.com.au/business/business-loans/how-hard-is-it-to-get-a-business-loan-in-australia): Find out how hard it is to get a business loan in Australia in 2026. See approval factors, lender comparison, rejection reasons and how to improve your chances. - [How to Get a Business Loan for a New Business in Australia](https://emumoney.com.au/business/business-loans/how-to-get-a-business-loan-for-a-new-business): New business loan options in Australia by ABN age: see what's available from day one, rates to expect, and how to get approved with limited trading history. - [How to Get a Business Loan with No Deposit](https://emumoney.com.au/business/business-loans/how-to-get-a-business-loan-with-no-deposit): Get a business loan with no deposit in Australia. Compare unsecured loans, lines of credit, and equipment finance options across 50+ lenders. See who qualifies. - [How to Get a Commercial Property Loan in Australia](https://emumoney.com.au/business/commercial-property-loans/how-to-get-a-commercial-property-loan-in-australia): Step-by-step guide to getting a commercial property loan in Australia. Covers documents, timelines, lender types, LVR, DSCR, and common reasons for decline. - [How to Get a Small Business Loan in Australia](https://emumoney.com.au/business/small-business-loans/how-to-get-a-small-business-loan-in-australia): How to get a small business loan in Australia. See what lenders assess, documents you need by business stage, and how to avoid the mistakes that cause 1 in 5 rejections. - [How to Get Approved for a Business Loan in Australia](https://emumoney.com.au/business/business-loans/how-to-get-approved-for-a-business-loan-in-australia): Step-by-step guide to getting approved for a business loan in Australia. 30-day preparation plan, document checklists, and what lenders actually look for. - [How to Qualify for an Unsecured Business Loan in Australia](https://emumoney.com.au/business/unsecured-business-loans/how-to-qualify-for-an-unsecured-business-loan): How to qualify for an unsecured business loan in Australia. See requirements by lender type, documents needed, and how to strengthen your application. - [Invoice Finance](https://emumoney.com.au/business/invoice-finance): Compare Invoice Finance from Over 50+ lenders - [Is a Business Overdraft a Good Idea? Pros and Cons](https://emumoney.com.au/business/business-overdraft/is-a-business-overdraft-a-good-idea-pros-and-cons): Is a business overdraft worth it? Decision matrix, real cost comparisons, and honest pros and cons for Australian business owners. See when to use one and when not to. - [Line of Credit vs Overdraft: Which Is Right for Your Business?](https://emumoney.com.au/business/line-of-credit/line-of-credit-vs-overdraft): A business line of credit is a separate facility with rates from 8% p.a. An overdraft sits on your transaction account from 14.55% p.a. Compare costs and features. - [Low Doc Equipment Finance: How to Get Approved Without Full Financials](https://emumoney.com.au/business/equipment-finance/low-doc-equipment-finance): Low doc equipment finance uses bank statements and BAS instead of full financials. Rates from 8% p.a., with approval in as little as 24 hours. - [Merchant Cash Advance](https://emumoney.com.au/business/merchant-cash-advance): Compare Merchant Cash Advance from Over 50+ lenders - [Pros and Cons of Asset Finance in Australia](https://emumoney.com.au/business/asset-finance/pros-and-cons-of-asset-finance-in-australia): Weigh the pros and cons of asset finance in Australia. Rates from 6.59%, terms up to 7 years. See tax benefits, risks, and how to choose the right structure. - [Secured Business Loans](https://emumoney.com.au/business/secured-business-loans): Compare Secured Business Loans from Over 50+ lenders - [Secured vs Unsecured Business Loans: What's the Difference?](https://emumoney.com.au/business/unsecured-business-loans/secured-vs-unsecured-business-loans): Secured vs unsecured business loans compared. See rates, amounts, approval speed, and a $100K cost breakdown to decide which suits your business in 2026. - [Small Business Grants in Australia: What's Available and How to Apply](https://emumoney.com.au/business/business-loans/small-business-grants-in-australia): Australia offers 590+ government grants for small businesses, from $5,000 to $5 million. See federal and state programs, eligibility, and how to apply. - [Small Business Grants in Australia: What's Available in 2026](https://emumoney.com.au/business/small-business-loans/small-business-grants-australia): Small business grants in Australia for 2026. See federal and state programs, grant amounts, eligibility, and how to fund what grants don't cover. - [Small Business Line of Credit: Eligibility, Limits and How to Apply](https://emumoney.com.au/business/line-of-credit/small-business-line-of-credit): Small business line of credit from $5K to $500K. Eligibility: 9+ months trading, $12K+ monthly turnover, Equifax 550+. See total costs, limits and how to apply. - [Small Business Loans Australia: Compare 50+ Lenders](https://emumoney.com.au/business/small-business-loans): Compare small business loans from 50+ Australian lenders. Borrow $5,000 to $500,000+ for working capital, equipment, growth and more. Fast approvals available. - [Startup Business Line of Credit: How to Qualify Without Trading History](https://emumoney.com.au/business/line-of-credit/startup-business-line-of-credit): Startups can get a business line of credit from 6 months trading. Limits start at 0.75x monthly revenue. See what lenders look for and how to qualify. - [Startup Business Loans in Australia: How to Get Funded](https://emumoney.com.au/business/small-business-loans/startup-business-loans-australia): Startup business loans in Australia: see what finance is available from day one through to 12+ months of trading. Options, rates, and how to qualify with no history. - [Unsecured Business Loan Interest Rates in Australia](https://emumoney.com.au/business/unsecured-business-loans/unsecured-business-loan-interest-rates): Unsecured business loan rates in Australia range from 9.5% to 18% in 2026. See rates by lender type, what drives your rate, and how to cut costs. - [Unsecured Business Loans](https://emumoney.com.au/business/unsecured-business-loans): Compare unsecured business loans from 9.95% across 50+ lenders. Borrow $5,000 to $500,000 with no property or asset security. Funding possible within 24 hours. - [Unsecured Business Loans for Sole Traders in Australia](https://emumoney.com.au/business/unsecured-business-loans/unsecured-business-loans-sole-traders): Compare unsecured business loans for sole traders from 50+ lenders. No property security needed. See rates, eligibility, and how to apply in Australia. - [Unsecured Business Loans for Startups in Australia](https://emumoney.com.au/business/unsecured-business-loans/unsecured-business-loans-for-startups): Compare unsecured business loans for Australian startups. See which lenders approve new businesses, rates from 12% p.a., and what you need to qualify. - [What Credit Score Do You Need for a Business Loan?](https://emumoney.com.au/business/business-loans/what-credit-score-do-you-need-for-a-business-loan): There is no single credit score for a business loan in Australia. Learn how Equifax's multiple scoring models, three bureaus, and lender-specific thresholds affect your application. - [Why ABN Holders Can Get Cheaper Cars in Australia](https://emumoney.com.au/business/business-car-loans/why-abn-holders-can-get-cheaper-cars-in-australia): ABN holders can save $15,000 to $25,000 on a $60,000 vehicle through GST credits, depreciation, and tax-deductible interest. Here's how business car finance reduces the real cost of ownership in Australia. ## Vehicle and Equipment Finance - [Financing a Used Truck in Australia: Rates and Options](https://emumoney.com.au/business/truck-finance/financing-a-used-truck-in-australia-rates-and-options): Used truck finance in Australia: rates from 6.59%, terms 1-7 years, and the age rule that sets your term. See LVRs, options and what lenders check. - [Truck Finance Australia](https://emumoney.com.au/business/truck-finance): Compare truck finance from 6.59% across 50+ Australian lenders. Prime movers, rigid trucks, tippers. Decisions in 24-48 hours. Apply online. - [Truck Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/business/truck-finance/truck-finance-calculator): Calculate truck finance repayments and compare chattel mortgage, hire purchase, and finance lease structures. Includes GST credits, depreciation benefits, and instant asset write-off toggle. Free, instant results. - [Instant Asset Write-Off for Vehicles: How It Works in 2026](https://emumoney.com.au/business/ute-finance/instant-asset-write-off-vehicles): How the $20,000 instant asset write-off applies to vehicles in 2025-26. Which accessories qualify, how to structure the purchase, and the 30 June deadline. - [Ute Finance](https://emumoney.com.au/business/ute-finance): Compare ute finance rates from 6.59% across 50+ lenders. New and used utes from $5,000 to $500,000 with terms up to 7 years. Uncapped tax benefits. - [Ute Finance Calculator - Repayments & Tax](https://emumoney.com.au/business/ute-finance/ute-finance-calculator): Calculate ute finance repayments and compare chattel mortgage, hire purchase, and finance lease structures. Toggle carrying capacity to see how the ATO car limit affects your tax benefits. Free, instant results. - [Ute Finance in Australia: Your Options Explained](https://emumoney.com.au/business/ute-finance/ute-finance-australia): How ute finance works in Australia. Compare chattel mortgage, hire purchase and secured loans for new and used utes. Rates, tax treatment and eligibility. - [Ute Lease vs Buy: Which Is Better for Your Business?](https://emumoney.com.au/business/ute-finance/ute-lease-vs-buy): Lease or buy a work ute? Compare chattel mortgage, novated lease and operating lease. ATO residual rules, FBT and total cost after tax. - [Ute Tax Deductions: What You Can Claim on a Work Ute](https://emumoney.com.au/business/ute-finance/ute-tax-deductions): What you can claim on a work ute. ATO car vs other vehicle rules, logbook method, depreciation, GST credits, instant asset write-off and common mistakes. - [Van Finance](https://emumoney.com.au/business/van-finance): Compare Van Finance from Over 50+ lenders - [Van Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/business/van-finance/van-finance-calculator): Calculate van finance repayments and compare finance structures. See chattel mortgage, hire purchase, and finance lease side by side with estimated tax benefits. Free, instant results. - [Trailer Finance](https://emumoney.com.au/business/trailer-finance): Compare Trailer Finance from Over 50+ lenders - [Financing a Used Tractor in Australia: Rates, Deposits, and What to Watch For](https://emumoney.com.au/business/tractor-finance/financing-a-used-tractor-in-australia-rates-and-options): Used tractor finance in Australia: rates from 7.5-14% by age bracket, deposits 10-30%, age caps, PPSR checks, and dealer vs private sale differences. - [How to Get Approved for Tractor Finance in Australia](https://emumoney.com.au/business/tractor-finance/how-to-get-approved-for-tractor-finance-in-australia): How to get approved for tractor finance: documentation checklists for full-doc, low-doc, and asset-only paths. What lenders assess and how to strengthen your application. - [Tractor Finance Australia: Compare 50+ Lenders](https://emumoney.com.au/business/tractor-finance): Compare tractor finance from 50+ Australian lenders. Finance new or used tractors from $10,000 to $500,000+ with terms from 1 to 7 years and seasonal repayment options. - [Tractor Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/business/tractor-finance/tractor-finance-calculator): Calculate tractor finance repayments and compare chattel mortgage, hire purchase, and finance lease structures. Includes GST credits, depreciation benefits, and instant asset write-off toggle. Free, instant results. - [Tractor Finance Rates, Terms, and Loan Amounts in Australia (2026)](https://emumoney.com.au/business/tractor-finance/tractor-finance-rates-terms-and-loan-amounts-in-australia): Tractor finance rates from 7-14% in Australia. Compare rates by borrower profile, terms from 1-7 years, deposits, and loan amounts for new and used tractors. - [Tractor Finance with Bad Credit in Australia: What's Possible and What's Not](https://emumoney.com.au/business/tractor-finance/tractor-finance-with-bad-credit-in-australia): Bad credit tractor finance in Australia: which credit issues are workable (paid defaults, thin file) and which are not (bankruptcy, unpaid defaults). Rates, deposits, and alternatives. - [Excavator Finance](https://emumoney.com.au/business/excavator-finance): Compare Excavator Finance from Over 50+ lenders - [Excavator Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/business/excavator-finance/excavator-finance-calculator): Calculate excavator finance repayments for mini excavators to large machines. Compare chattel mortgage, hire purchase, and finance lease structures. Includes instant asset write-off toggle. Free, instant results. - [Farm Equipment Finance Australia](https://emumoney.com.au/business/farm-equipment-finance): Compare farm equipment finance from 6.59% across 50+ lenders. Tractors, harvesters, irrigation. Seasonal repayments available. Apply online. - [Farm Equipment Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/business/farm-equipment-finance/farm-equipment-finance-calculator): Calculate farm equipment finance repayments for tractors, harvesters, and agricultural machinery. Compare chattel mortgage, hire purchase, and finance lease structures. Includes instant asset write-off toggle. Free, instant results. - [Heavy Vehicle Finance](https://emumoney.com.au/business/heavy-vehicle-finance): Compare Heavy Vehicle Finance from Over 50+ lenders - [Heavy Vehicle Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/business/heavy-vehicle-finance/heavy-vehicle-finance-calculator): Calculate heavy vehicle finance repayments for trucks, buses, and prime movers. Compare chattel mortgage, hire purchase, and finance lease structures. Includes instant asset write-off toggle. Free, instant results. - [Bobcat Hire Rates in Australia: What It Actually Costs](https://emumoney.com.au/business/machinery-finance/bobcat-hire-rates-costs-compared): 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. - [Machinery Finance](https://emumoney.com.au/business/machinery-finance): Compare Machinery Finance from Over 50+ lenders - [Machinery Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/business/machinery-finance/machinery-finance-calculator): Calculate machinery finance repayments and compare chattel mortgage, hire purchase, and finance lease structures. Includes GST credits, depreciation benefits, and instant asset write-off toggle. Free, instant results. - [Medical Equipment Finance](https://emumoney.com.au/business/medical-equipment-finance): Compare Medical Equipment Finance from Over 50+ lenders ## ABN and Low-Doc Lending - [ABN Business Loans: A Complete Guide](https://emumoney.com.au/business/abn-loans/abn-business-loans-guide): Compare ABN business loan types, rates from 6.5%, and eligibility requirements. See which loan suits your business and how to get approved in 24-72 hours. - [ABN Car Finance: Tax Benefits & How to Qualify](https://emumoney.com.au/business/abn-loans/abn-car-finance-tax-benefits): ABN car finance can save 30%+ through GST credits, depreciation, and interest deductions. See who qualifies, tax benefits by bracket, and ute vs sedan differences. - [ABN Car Loan Requirements: What You Need to Apply](https://emumoney.com.au/business/abn-loans/abn-car-loan-requirements): ABN car loan requirements checklist by ABN age. See credit score thresholds, documents needed, and whether you will get approved. Self-assessment guide included. - [ABN Car Loans: Finance a Vehicle with Your ABN](https://emumoney.com.au/business/abn-loans/abn-car-loans): Compare ABN car loan options from 50+ lenders. Rates from 6.5%, chattel mortgage or finance lease structures. See how GST credits work and what you need to apply. - [ABN Finance: Your Options Explained](https://emumoney.com.au/business/abn-loans/abn-finance-guide): Compare ABN finance options from loans to grants. See which suits your business, typical rates from 5.5%, and how fast you can get approved. - [ABN Loans Australia - Compare Rates from 50+ Lenders](https://emumoney.com.au/business/abn-loans): Compare ABN loan rates from 6% across 50+ Australian lenders. Borrow $5,000 to $500,000 with low-doc options. Same-day decisions available. - [ABN Loans with No Financials Required](https://emumoney.com.au/business/abn-loans/abn-loans-no-financials): Get an ABN loan without tax returns or BAS. See what documents you actually need, rates to expect, and how bank statement lending works in Australia. - [How to Get a Loan with Just an ABN](https://emumoney.com.au/business/abn-loans/how-to-get-a-loan-with-just-an-abn): Get a business loan with just your ABN. See eligibility by ABN age, rates from 6%, and how to apply in Australia. Fast approval from 50+ lenders. - [Business Loans with No Trading History](https://emumoney.com.au/business/low-doc-business-loans/business-loans-no-trading-history): Business loans with no trading history are possible in Australia. See what finance options open up at each ABN milestone and how to qualify. - [Commercial Low Doc Loans in Australia](https://emumoney.com.au/business/low-doc-business-loans/commercial-low-doc-loans): Compare commercial low doc loans for equipment, vehicles, and property in Australia. Rates from 7.5%, requirements, and how to qualify without full financials. - [Low Doc Business Loans](https://emumoney.com.au/business/low-doc-business-loans): Compare low doc business loans from 7.99% across 50+ lenders. Borrow $5,000 to $500,000 with bank statements instead of tax returns. Same-day decisions. - [Low Doc Car Loan Requirements: What You Need](https://emumoney.com.au/business/low-doc-business-loans/low-doc-car-loan-requirements): Low doc car loan requirements explained. See what documents you need, what lenders check in your bank statements, and how to prepare a strong application. - [Low Doc Car Loans in Australia](https://emumoney.com.au/business/low-doc-business-loans/low-doc-car-loans): Compare low doc car loan rates from 8% p.a. for self-employed Australians. See requirements, how to apply, and how low doc compares to full doc car finance. - [Low Doc Equipment Finance: How It Works](https://emumoney.com.au/business/low-doc-business-loans/low-doc-equipment-finance): How low doc equipment finance works in Australia. Rates, documents needed, worked cost examples, and how to qualify without tax returns. From 8% pa. - [Low Doc Loan Interest Rates: What to Expect](https://emumoney.com.au/business/low-doc-business-loans/low-doc-loan-interest-rates): Low doc loan interest rates range from 8 to 14% p.a. for business lending. See current rates by loan type, what drives the premium, and how to get a lower rate. - [Low Doc Truck and Heavy Vehicle Finance](https://emumoney.com.au/business/low-doc-business-loans/low-doc-truck-finance): Low doc truck finance for self-employed operators. Compare rates from 8% p.a., finance structures, and what you need to apply for a low doc truck loan in Australia. - [No Doc vs Low Doc Loans: What's the Difference?](https://emumoney.com.au/business/low-doc-business-loans/no-doc-vs-low-doc-loans): No doc vs low doc loans explained. Compare documentation, rates, LVR, and approval speed to find the right option for your self-employed situation. ## Sole Trader Finance - [Car Loans for Sole Traders: Rates and Options](https://emumoney.com.au/business/sole-trader-loans/sole-trader-car-loans): Compare chattel mortgage, finance lease, and business car loan options for sole traders. Rates from 6.20% p.a., plus tax deductions and how to apply. - [How to Get a Business Loan as a Sole Trader](https://emumoney.com.au/business/sole-trader-loans/business-loan-sole-trader): Step-by-step guide to getting a business loan as a sole trader in Australia. Compare bank, non-bank, and alternative lender requirements side by side. - [Sole Trader Finance: Your Options in 2026](https://emumoney.com.au/business/sole-trader-loans/sole-trader-finance): Sole trader finance in 2026: 5 finance types compared. Rates, documentation, and the ATO 80 per cent rule lenders check. Which suits your business? - [Sole Trader Loan Guide: How to Get Approved](https://emumoney.com.au/business/sole-trader-loans/sole-trader-loan-guide): Step-by-step guide to getting approved for a sole trader loan in Australia. Compare bank vs non-bank requirements, rates from 6.8%, and common rejection fixes. - [Sole Trader Loans](https://emumoney.com.au/business/sole-trader-loans): Compare sole trader loans from 6.59% across 50+ lenders. Business loans, equipment and vehicle finance from $5,000 to $500,000. Same-day decisions. - [Start Up Loans for Sole Traders](https://emumoney.com.au/business/sole-trader-loans/sole-trader-start-up-loans): Find start-up loan options for sole traders in Australia. See what finance is available from 6 months of trading, rates from 8%, and how to build toward better terms. ## Calculators - [Boat Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/personal/boat-finance/boat-finance-calculator): Calculate boat loan repayments. Adjust amount, rate, term, balloon payment, and frequency. See total cost of borrowing. Free, instant results. - [Business Car Loan Calculator - Repayments & Tax](https://emumoney.com.au/business/business-car-loans/business-car-loan-calculator): Calculate business car loan repayments and compare finance structures. See chattel mortgage, hire purchase, finance lease, and operating lease side by side with estimated tax benefits. Free, instant results. - [Business Line of Credit Calculator - Estimate Your Interest Costs](https://emumoney.com.au/business/line-of-credit/line-of-credit-calculator): Calculate monthly interest and facility fee costs on a business line of credit. Compare utilisation scenarios and see how a LOC stacks up against a term loan. Free, no sign-up. - [Business Loan Calculator](https://emumoney.com.au/business/business-loan-calculator): Calculate your business loan repayments and compare borrowing options from over 50+ Australian lenders. - [Business Loan Calculator - Estimate Your Repayments](https://emumoney.com.au/business/business-loans/business-loan-calculator): Estimate secured business loan repayments across weekly, fortnightly, and monthly schedules. Adjust amount, rate, and term to compare total interest and repayment cost. - [Business Overdraft Calculator - Estimate Your Costs](https://emumoney.com.au/business/business-overdraft/business-overdraft-calculator): Estimate your business overdraft costs including interest and monthly fees. Compare overdraft, line of credit, and term loan options side by side. Free, no sign-up. - [Camper Trailer Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/personal/camper-trailer-finance/camper-trailer-finance-calculator): Calculate camper trailer finance repayments instantly. Adjust loan amount, interest rate, term, balloon payment, and frequency. Compare weekly, fortnightly, and monthly options. Free, no sign-up. - [Capital Gains Tax Calculator 2026-27](https://emumoney.com.au/calculators/capital-gains-tax-calculator): Calculate your Australian capital gains tax for 2026-27. Estimate CGT on property, shares, or crypto with the 50% discount, cost base adjustments, and marginal rate impact. Free, instant results. - [Car Lease Calculator - Estimate Lease Payments](https://emumoney.com.au/business/business-car-loans/car-lease-calculator): Calculate car lease payments with residual value, term, and frequency options. Compare operating lease vs finance lease vs chattel mortgage side by side. Free, instant results. - [Car Loan Calculator](https://emumoney.com.au/personal/car-loan-calculator): Estimate repayments for car loans in Australia. Understand the real budget impact before you apply - [Car Loan Calculator - Estimate Your Repayments](https://emumoney.com.au/personal/car-loans/car-loan-calculator): Calculate your car loan repayments instantly. Adjust loan amount, interest rate, term, balloon payment, and frequency. Compare weekly, fortnightly, and monthly options. Free, no sign-up. - [Caravan Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/personal/caravan-finance/caravan-finance-calculator): Calculate caravan loan repayments. Adjust amount, rate, term, balloon, and frequency. Compare secured vs unsecured options. Free, instant results. - [Chattel Mortgage Calculator - Repayments & Tax Benefits](https://emumoney.com.au/business/equipment-finance/chattel-mortgage-calculator): Calculate chattel mortgage repayments with balloon payment, GST, and depreciation tax benefit estimates. Compare structures. Free, no sign-up. - [Commercial Property Loan Calculator - Estimate Your Repayments](https://emumoney.com.au/business/commercial-property-loans/commercial-property-loan-calculator): Calculate your commercial property loan repayments instantly. Compare interest-only vs principal & interest, check your LVR, and see amortisation over time. Free, no sign-up. - [Debt Consolidation Calculator - See How Much You Could Save](https://emumoney.com.au/personal/debt-consolidation-loans/debt-consolidation-calculator): Add your existing debts and see how much you could save by consolidating into one loan. Compare total interest, monthly repayments, and payoff date. Free, instant results. - [Equipment Finance Calculator - Model Your Repayments](https://emumoney.com.au/business/equipment-finance/equipment-finance-calculator): Calculate equipment finance repayments for any asset. Compare chattel mortgage, hire purchase, and finance lease structures. Includes instant asset write-off toggle. Free, instant results. - [Excavator Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/business/excavator-finance/excavator-finance-calculator): Calculate excavator finance repayments for mini excavators to large machines. Compare chattel mortgage, hire purchase, and finance lease structures. Includes instant asset write-off toggle. Free, instant results. - [Farm Equipment Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/business/farm-equipment-finance/farm-equipment-finance-calculator): Calculate farm equipment finance repayments for tractors, harvesters, and agricultural machinery. Compare chattel mortgage, hire purchase, and finance lease structures. Includes instant asset write-off toggle. Free, instant results. - [Heavy Vehicle Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/business/heavy-vehicle-finance/heavy-vehicle-finance-calculator): Calculate heavy vehicle finance repayments for trucks, buses, and prime movers. Compare chattel mortgage, hire purchase, and finance lease structures. Includes instant asset write-off toggle. Free, instant results. - [Holiday Loan Calculator - Estimate Your Repayments](https://emumoney.com.au/personal/holiday-loans/holiday-loan-calculator): Plan your holiday financing with repayment estimates across weekly, fortnightly, and monthly schedules. See total interest cost and find the right loan term for your trip. - [Home Renovation Loan Calculator - Estimate Your Repayments](https://emumoney.com.au/personal/home-renovation-loans/home-renovation-loan-calculator): Calculate renovation loan repayments. Compare personal loan vs home equity drawdown side by side. See total cost, monthly payments, and which option suits your project. Free, instant results. - [Income Tax Calculator 2026-27](https://emumoney.com.au/calculators/income-tax-calculator): Calculate your Australian income tax for 2026-27, 2025-26 or 2024-25. See your take-home pay, Medicare levy, LITO, HECS-HELP repayments, and tax bracket breakdown. Free, instant results. - [Invoice Finance Calculator - Estimate Your Costs](https://emumoney.com.au/business/invoice-finance/invoice-finance-calculator): Calculate invoice finance and factoring costs. See your advance amount, monthly fees, effective APR, and holdback. Compare to a business loan. Free, no sign-up. - [Jet Ski Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/personal/jet-ski-finance/jet-ski-finance-calculator): Calculate jet ski loan repayments. Adjust amount, rate, term, balloon payment, and frequency. See total cost of borrowing. Free, instant results. - [Luxury Car Tax Calculator (LCT) - 2026-27 Rates](https://emumoney.com.au/business/business-car-loans/luxury-car-tax-calculator): Calculate luxury car tax for 2026-27. Enter the GST-inclusive price and see your LCT liability instantly. Separate thresholds for fuel-efficient vehicles. Free, no sign-up. - [Machinery Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/business/machinery-finance/machinery-finance-calculator): Calculate machinery finance repayments and compare chattel mortgage, hire purchase, and finance lease structures. Includes GST credits, depreciation benefits, and instant asset write-off toggle. Free, instant results. - [Medical Loan Calculator - Estimate Your Repayments](https://emumoney.com.au/personal/medical-loans/medical-loan-calculator): Calculate your medical loan repayments instantly. Select your procedure type, adjust loan amount, interest rate, term, and frequency. Compare weekly, fortnightly, and monthly options. Free, no sign-up. - [Merchant Cash Advance Calculator - See Your True Cost](https://emumoney.com.au/business/merchant-cash-advance/merchant-cash-advance-calculator): Calculate the true cost of a merchant cash advance. Convert factor rates to effective APR, see daily holdback amounts, and compare MCA vs term loan costs. Free, no sign-up. - [Motorbike Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/personal/motorbike-finance/motorbike-finance-calculator): Calculate motorbike loan repayments. Adjust amount, rate, term, and frequency. See total interest and cost of borrowing. Free, instant results. - [Novated Lease Calculator - See Your Tax Savings](https://emumoney.com.au/personal/car-loans/novated-lease-calculator): Calculate novated lease savings. Enter your salary, car price, and running costs. See pre-tax vs post-tax comparison and estimated annual savings. Free, instant results. - [Pay Calculator Australia 2026-27](https://emumoney.com.au/calculators/pay-calculator): Calculate your take-home pay in Australia for 2026-27. Enter your salary or hourly rate to see gross pay, tax, Medicare levy, super, and net pay per week, fortnight, month, and year. - [Personal Loan Calculator](https://emumoney.com.au/personal/personal-loan-calculator): Estimate repayments for personal loans in Australia. Understand the real budget impact before you apply - [Personal Loan Calculator - Estimate Your Repayments](https://emumoney.com.au/personal/personal-loans/personal-loan-calculator): Calculate personal loan repayments. Adjust amount, rate, term, and frequency. See total interest and cost comparison. Free, instant results. - [Refinancing a Car Loan: When It Makes Sense](https://emumoney.com.au/personal/car-loans/refinancing-a-car-loan): Refinance your car loan and save thousands. See two worked examples, a breakeven calculator, and a decision checklist for Australian borrowers. - [Salary Sacrifice Calculator 2026-27](https://emumoney.com.au/calculators/salary-sacrifice-calculator): Calculate your salary sacrifice tax savings for 2026-27. See how salary packaging a novated lease or super affects your take-home pay, tax, and net cost. Free, instant results. - [Superannuation Calculator 2026-27](https://emumoney.com.au/calculators/superannuation-calculator): Project your super balance at retirement. See how employer contributions, voluntary contributions, and compound returns grow your superannuation over time. Free, instant results. - [Tax Return Calculator 2026-27](https://emumoney.com.au/calculators/tax-return-calculator): Estimate your Australian tax refund or amount owing for 2026-27, 2025-26, or 2024-25. Enter your income, tax withheld, and deductions to see your estimated refund. Free, instant results. - [Tractor Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/business/tractor-finance/tractor-finance-calculator): Calculate tractor finance repayments and compare chattel mortgage, hire purchase, and finance lease structures. Includes GST credits, depreciation benefits, and instant asset write-off toggle. Free, instant results. - [Trailer Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/personal/trailer-finance/trailer-finance-calculator): Calculate trailer finance repayments instantly. Adjust loan amount, interest rate, term, balloon payment, and frequency. Compare weekly, fortnightly, and monthly options. Free, no sign-up. - [Truck Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/business/truck-finance/truck-finance-calculator): Calculate truck finance repayments and compare chattel mortgage, hire purchase, and finance lease structures. Includes GST credits, depreciation benefits, and instant asset write-off toggle. Free, instant results. - [Unsecured Business Loan Calculator](https://emumoney.com.au/business/unsecured-business-loan-calculator): Estimate repayments for unsecured business loans in Australia. Annualise factor rates, test terms and fees, and request quotes from 50+ lenders. - [Unsecured Business Loan Calculator - Estimate Your Repayments](https://emumoney.com.au/business/unsecured-business-loans/unsecured-business-loan-calculator): Estimate unsecured business loan repayments without asset security. Compare weekly, fortnightly, and monthly options to see how rate and term affect total cost. - [Ute Finance Calculator - Repayments & Tax](https://emumoney.com.au/business/ute-finance/ute-finance-calculator): Calculate ute finance repayments and compare chattel mortgage, hire purchase, and finance lease structures. Toggle carrying capacity to see how the ATO car limit affects your tax benefits. Free, instant results. - [Van Finance Calculator - Estimate Your Repayments](https://emumoney.com.au/business/van-finance/van-finance-calculator): Calculate van finance repayments and compare finance structures. See chattel mortgage, hire purchase, and finance lease side by side with estimated tax benefits. Free, instant results. - [Wedding Loan Calculator - Estimate Your Repayments](https://emumoney.com.au/personal/wedding-loans/wedding-loan-calculator): Estimate wedding loan repayments with weekly, fortnightly, and monthly options. See total interest, compare repayment frequencies, and plan your budget before applying. ## Personal Finance Guides - [Best Caravans in Australia for 2026: A Buyer's Guide by Budget](https://emumoney.com.au/personal/guides/caravans-camping/best-caravans-australia): The best caravans in Australia for 2026, sorted by budget. Real prices from $32,990 to $142,740, what each band buys you, and what repayments look like. - [Best Family SUVs in Australia: A Buyer's Guide for 2026](https://emumoney.com.au/personal/guides/cars-driving/best-family-suvs-australia-2026): Compare Australia's best family SUVs across three price brackets: driveaway prices, monthly finance costs, towing capacity, and petrol vs hybrid vs EV. - [Best Off-Road and Hybrid Caravans in Australia](https://emumoney.com.au/personal/caravan-finance/best-off-road-caravan) - [Best Rooftop Tents in Australia: Prices, Specs and Buyer Guide](https://emumoney.com.au/personal/car-loans/best-rooftop-tents-australia): Compare the best rooftop tents in Australia with current prices from $999. Hard shell vs soft shell, weight limits, setup tips and what to check before buying. - [Braces Cost in Australia: Kids, Teens and Adults](https://emumoney.com.au/personal/medical-loans/braces-cost-australia): Braces are billed per quarter of treatment, not as a flat fee. Why no Australian body publishes a price, and what changes it for kids, teens and adults. - [Car Loan Pre-Approval: How It Works and Why It's Worth Getting](https://emumoney.com.au/personal/guides/car-buying-finance/car-loan-pre-approval): What car loan pre-approval is, what it costs your credit file, and the conditions to check before you shop. Plain-English guide for Australian buyers. - [Chery Omoda 5 Buyer Guide: Prices, Problems, C5](https://emumoney.com.au/personal/car-loans/chery-omoda-5-review-and-buyer-guide): Chery Omoda 5 buyer guide: new C5 driveaway prices, used values, common problems, ANCAP scores and the 7-year warranty explained. Updated for 2026. - [Cost of Dentures for Pensioners in Australia (2026)](https://emumoney.com.au/personal/medical-loans/cost-of-dentures-for-pensioners): Free in NSW, $155 for a full set in Victoria. What a concession card gets you, the government schedule fees, and why the denture queue is separate. - [Dealer Finance vs Broker vs Bank: What's the Difference?](https://emumoney.com.au/personal/guides/car-buying-finance/dealer-finance-vs-broker-vs-bank-whats-the-difference): Compare dealer finance, broker finance and bank loans for your next car: how lender panels affect your rate and why pre-approval strengthens your hand. - [Dental Crown Cost in Australia (2026 Guide)](https://emumoney.com.au/personal/medical-loans/dental-crown-cost-australia): A crown is billed as several items, not one: $1,141.30 to $1,659.80 on the 2026 government schedule, plus the core built underneath. How to read a quote. - [Dental Implant Cost in Australia (2026 Guide)](https://emumoney.com.au/personal/medical-loans/dental-implant-cost-australia): Dental implant cost is not published on either government schedule checked. What the DVA and NSW fees do cover, and how to compare quotes without a benchmark. - [Does Afterpay Affect Your Credit Score? What Lenders Actually See](https://emumoney.com.au/personal/guides/personal-loans/does-afterpay-affect-your-credit-score): Your Afterpay limit counts as debt when you apply for a loan, even with a zero balance. See what lenders check and how to prepare before you apply. - [Electric Cars in Australia: What's Available, What They Cost, and Why Everyone's Suddenly Looking](https://emumoney.com.au/personal/guides/cars-and-utes/electric-cars-australia-whats-available-2026): 15 EVs under $40K in Australia. Fuel savings of $2,800/year. Compare prices, running costs, and finance options for every budget in 2026. - [Electric motorbikes in Australia: models and costs](https://emumoney.com.au/personal/motorbike-finance/electric-motorbikes-australia): Compare electric motorbikes in Australia from $5,650 to $49,000+. Models, specs, range, running costs, LAMS rules and charging explained. - [EOFY Deals: When Is the Best Time to Buy a Car in Australia?](https://emumoney.com.au/personal/guides/cars-driving/eofy-deals-best-time-to-buy-a-car): EOFY isn't the only time to get a deal on a new car. Learn the four best buying windows, the pre-approval advantage, and how to save up to 12%. - [GCM Meaning: GVM vs GCM and What It Means for Towing](https://emumoney.com.au/personal/caravan-finance/gvm-vs-gcm) - [Guaranteed Future Value (GFV) Car Finance Explained](https://emumoney.com.au/personal/guides/personal-finance/guaranteed-future-value-car-finance-explained): How guaranteed future value (GFV) car finance works, what the guarantee costs in interest, and how it compares to a broker-sourced loan with a balloon. - [How Car Loans Work in Australia: A Complete Guide](https://emumoney.com.au/personal/guides/car-buying-finance/how-car-loans-work-in-australia): How car loans work in Australia: secured vs unsecured, rate bands, balloon payments, asset age rules, dealer vs broker and what to check before signing. - [How Debt Consolidation Works (and When It's Actually Worth It)](https://emumoney.com.au/personal/guides/debt-refinancing/how-debt-consolidation-works-and-when-its-actually-worth-it): Debt consolidation can save you thousands, or cost you more. Real numbers, real traps, and a 3-question test to decide if consolidating is actually worth it. - [How Much Should an Engagement Ring Cost in Australia?](https://emumoney.com.au/personal/wedding-loans/how-much-should-an-engagement-ring-cost) - [How to Get a Personal Loan With Average Credit](https://emumoney.com.au/personal/guides/personal-loans/how-to-get-a-personal-loan-with-average-credit): Average credit is closer to the norm than most borrowers think. What lenders look at, how the enquiry trap works, and how to protect your file. - [How to Refinance a Car Loan: When It Saves You Money (and When It Doesn't)](https://emumoney.com.au/personal/guides/debt-refinancing/how-to-refinance-a-car-loan): Should you refinance your car loan? It depends on your credit, your car's value, and the rate you'll actually get. Here's how to work it out. - [How to Save Money on a Personal Loan](https://emumoney.com.au/personal/guides/how-to-save-money-on-a-personal-loan): Nine ways to cut the cost of a personal loan, from choosing the term and using security to managing fees, credit score and refinancing. - [How to Save Money on Car Finance](https://emumoney.com.au/personal/guides/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. - [Invisalign Cost in Australia (by City)](https://emumoney.com.au/personal/medical-loans/invisalign-cost-australia): Invisalign costs $4,500 to $9,000 in Australia. Compare pricing by city, treatment tier, and payment option. See what health insurance covers and how to pay. - [Jet Ski Insurance in Australia: Cover and Costs (2026)](https://emumoney.com.au/personal/jet-ski-finance/jet-ski-insurance-australia): Jet ski insurance is not compulsory in NSW. What cover includes, why insurers quote rather than publish, and NSW's $512 rego and $260 licence fees. - [Luxury Car Tax Threshold 2026-27: The Current Limits](https://emumoney.com.au/personal/car-loans/luxury-car-tax-threshold) - [New vs Used Car Finance: What Changes?](https://emumoney.com.au/personal/guides/car-buying-finance/new-vs-used-car-finance-what-changes): How lender rates, deposits, and loan terms differ between new and used cars. Includes a worked cost comparison and the near-new sweet spot most buyers miss. - [Personal Loan vs Credit Card: When Each One Wins](https://emumoney.com.au/personal/guides/personal-loans/personal-loan-vs-credit-card): Personal loan or credit card? Compare the latest RBA rates, what $8,000 really costs each way, and the situations where each one is genuinely cheaper. - [Root Canal Cost in Australia (and Why Prices Vary)](https://emumoney.com.au/personal/medical-loans/root-canal-cost-australia): Root canal is billed per canal: $522.55 for a front tooth and $1,016.25 for a molar on the 2026 government schedule, before the crown. How to compare quotes. - [Sea-Doo Spark vs FishPro: Prices, Specs and Which to Buy](https://emumoney.com.au/personal/jet-ski-finance/sea-doo-spark-vs-fishpro): Sea-Doo Spark from $9,999 against the FishPro from $25,999. Australian 2026 prices, specs and which one actually suits how you ride. - [Should You Save or Finance? How to Decide](https://emumoney.com.au/personal/guides/smart-money-decisions/should-you-save-or-finance-how-to-decide): Should you save up or get finance? We break down the real maths with current Australian rates, including the costs most people forget to count. - [The Beginner's Guide to Buying a Boat in Australia](https://emumoney.com.au/personal/guides/boats-water/beginners-guide-to-buying-a-boat-in-australia): What to know before buying your first boat in Australia: types, prices, running costs, finance options and why winter is the smartest time to buy. - [The Beginner's Guide to Buying a Caravan in Australia](https://emumoney.com.au/personal/guides/caravans-camping/beginners-guide-to-buying-a-caravan-in-australia): Everything first-time caravan buyers need to know: types, tow vehicle matching, true costs (setup, storage, ongoing), finance options, and what to do next. - [The Beginner's Guide to Buying a Motorbike in Australia](https://emumoney.com.au/personal/guides/motorbikes-adventure/beginners-guide-to-buying-a-motorbike-in-australia): Everything you need to buy your first motorbike in Australia. LAMS bikes from $7,899, gear costs, state-by-state licensing, and finance from ~$200/month. - [The Big Lap: Planning and Financing Australia's Ultimate Road Trip](https://emumoney.com.au/personal/guides/caravans-camping/the-big-lap-planning-and-financing): What the big lap really costs, from the van and the fuel to the site fees, and how to finance the rig without wrecking the travel budget. - [Used Motorbike Finance in Australia: What Changes When You Buy Second Hand](https://emumoney.com.au/personal/motorbike-finance/used-motorbike-finance): Financing a used motorbike? Bike age changes your rate, term, and loan type. Age-bracket guide, PPSR checks, and private sale vs dealer differences. - [Ute Comparison: Ranger vs HiLux vs BT-50 vs Triton](https://emumoney.com.au/personal/guides/cars-driving/ute-comparison-ranger-vs-hilux-vs-bt50-vs-triton): Ranger XLT vs HiLux SR5 vs BT-50 XTR vs Triton GLS compared on price, towing, resale, and total cost of ownership over five years. - [Van Life Australia: Setup, Registration and Running Costs](https://emumoney.com.au/personal/car-loans/van-life-australia) - [Veneers Cost in Australia: Composite vs Porcelain](https://emumoney.com.au/personal/medical-loans/veneers-cost-australia): Composite veneers benchmark at $278.60 a tooth and porcelain at $1,028.05 on the 2026 government schedule. Compare lifespan, cost per year and cover. - [What an RBA Rate Hike Means for Your Car Loan or Personal Loan](https://emumoney.com.au/personal/guides/car-buying-finance/rba-raises-rates-car-loan-personal-loan): The RBA lifted the cash rate to 4.35% in May 2026. What that changes for a car loan or personal loan, and when refinancing is worth the paperwork. - [What Is a Comparison Rate? The Number That Shows a Loan's Real Cost](https://emumoney.com.au/personal/guides/first-time-borrowers/what-is-a-comparison-rate): A comparison rate rolls interest plus most fees into one figure. Here is what it includes, what it leaves out, and how to use it to compare loans properly. - [Wisdom Teeth Removal Cost in Australia (With and Without GA)](https://emumoney.com.au/personal/medical-loans/wisdom-teeth-removal-cost): Wisdom teeth removal costs $153.65 to $383.23 per tooth on the 2026 government fee schedule. See what a general anaesthetic, Medicare and insurance add. ## Business Finance Guides - [5 Cash Flow Mistakes That Kill Growing Businesses](https://emumoney.com.au/business/guides/cash-flow-working-capital/5-cash-flow-mistakes-that-kill-growing-businesses): ASIC data: inadequate cash flow was nominated in 51.2% of insolvency reports. The 5 mistakes growing Australian businesses make, and how to fix each one. - [Bobcat Hire Rates in Australia: What It Actually Costs](https://emumoney.com.au/business/machinery-finance/bobcat-hire-rates-costs-compared): 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. - [Building a Business Fleet: Finance Strategies From 1 Vehicle to 20](https://emumoney.com.au/business/guides/fleet-vehicles/building-a-business-fleet): 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. - [Business Line of Credit vs Business Credit Card: Why a Line of Credit Might be the Superior Choice](https://emumoney.com.au/business/guides/business-line-of-credit-vs-business-credit-card): 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. - [Buying a Business: What Lenders Will Finance and What They Won't](https://emumoney.com.au/business/guides/growth-expansion/buying-a-business-what-lenders-finance): What lenders will finance when you buy a business, how the tangible asset and goodwill split works, and the structures that close the gap. - [Chattel Mortgage vs Lease: Which Structure Actually Suits Your Business](https://emumoney.com.au/business/guides/eofy-tax-strategy/chattel-mortgage-vs-lease): Who owns the asset decides everything. The ATO's position on chattel mortgage vs lease: GST timing, deductions and depreciation compared. - [EOFY Equipment Finance: The Smart Business Owner's Playbook](https://emumoney.com.au/business/guides/eofy-tax-strategy/eofy-equipment-finance-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. - [Farm Machinery Finance: How Agricultural Lenders Think Differently](https://emumoney.com.au/business/guides/industry-specific/farm-machinery-finance): Farm machinery finance is not ordinary equipment finance. How agricultural lenders assess you, and how to structure repayments around your season. - [Find the Best Business Bank Account for Your Small Business](https://emumoney.com.au/business/guides/find-the-best-business-bank-account-for-your-small-business): Discover the best Australian business bank accounts for 2023. Compare interest rates, fees, and more. - [How to Save Money on a Business Loan](https://emumoney.com.au/business/guides/how-to-save-money-on-a-business-loan): Ten practical ways to cut the cost of a business loan: comparing lenders, using security, credit health, fees, repayment frequency and refinancing. - [How to Save Money on Car Finance](https://emumoney.com.au/business/guides/how-to-save-money-on-car-finance): Ten practical ways to cut the cost of business car finance: balloon payments, deposits, credit health, loan term, repayment frequency and fees. - [How to Save Money on Equipment Finance](https://emumoney.com.au/business/guides/how-to-save-money-on-equipment-finance): Ten practical ways to cut the cost of equipment finance: balloon payments, deposits, credit health, loan term, repayment frequency and fees. - [How to Successfully Apply for and Secure a Small Business Loan](https://emumoney.com.au/business/guides/how-to-successfully-apply-for-and-secure-a-small-business-loan): How to prepare, apply for and secure a small business loan in Australia: the plan, the documents lenders want, loan types, and what happens after approval. - [How to Use Finance as a Cash Flow Tool (Not Just a Way to Buy Things)](https://emumoney.com.au/business/guides/cash-flow-working-capital/how-to-use-finance-as-a-cash-flow-tool): Finance isn't just for buying things. Learn how a line of credit, invoice finance, and strategic asset finance can manage your business cash flow. - [Instant Asset Write-Off 2026: What's Changed and Why Timing Matters](https://emumoney.com.au/business/guides/eofy-tax-strategy/instant-asset-write-off-2026): The $20,000 instant asset write-off is now permanent from 1 July 2026. The history, the rules, what changed in the 2026-27 Budget, and the traps to avoid. - [Interest Rates and Your Business Finance: What an RBA Move Costs](https://emumoney.com.au/business/guides/economic-context/interest-rates-and-your-business): What a 0.25% rate rise actually costs on a $100K equipment loan. The real numbers, current rates, and what to do based on your situation. - [Is a Small Business Loan Secured or Unsecured?](https://emumoney.com.au/business/guides/is-a-small-business-loan-secured-or-unsecured): Secured or unsecured: how small business loans differ on security, rates, limits and approval, and how to work out which one suits your business. - [Lease vs Buy: How to Decide What's Right for Your Business](https://emumoney.com.au/business/guides/equipment-asset-finance/lease-vs-buy-how-to-decide): Lease or buy your next piece of business equipment? Compare chattel mortgages and finance leases on tax, cash flow and exit flexibility, with real numbers. - [Secured vs Unsecured Business Loans: What's Right for Your Business?](https://emumoney.com.au/business/guides/secured-vs-unsecured-business-loans-whats-right-for-your-business): Secured vs unsecured business loans: how they differ on security, rates, limits and approval, and how to choose the right one for your business. - [Small Business Grants for Women in Australia](https://emumoney.com.au/business/guides/small-business-grants-for-women-in-australia): A state-by-state guide to Australian grants for women in business: what each program covers, how much it offers, and who can apply. - [The True Cost of Paying Cash for Equipment](https://emumoney.com.au/business/guides/equipment-asset-finance/true-cost-of-paying-cash-for-equipment): Paying cash for equipment feels cheaper, but the maths often says otherwise. Compare the true cost of cash vs finance with worked examples. - [Trades Equipment Finance: What Sparkies, Plumbers and Chippies Need to Know](https://emumoney.com.au/business/guides/industry-specific/trades-equipment-finance): Utes, tools, trailers. What tradies need to know about equipment finance, including the two things that get applications knocked back. - [What a Line of Credit Actually Does for a Small Business](https://emumoney.com.au/business/guides/cash-flow-working-capital/what-a-line-of-credit-does-for-a-small-business): A business line of credit bridges cash flow gaps for a fraction of what late payments cost. Four real scenarios, worked costs, and when it's the wrong tool. - [What the New Financial Year Means for Your Equipment and Finance Decisions](https://emumoney.com.au/business/guides/eofy-tax-strategy/what-the-new-financial-year-means-for-your-finance-decisions): Three changes on 1 July 2026 affect how you finance equipment, manage cash flow and plan purchases: payday super, the write-off, and rising wages. ## Broker Resources - [Consumer Credit in Asset Finance: The NCCP Checklist Every Broker Needs](https://emumoney.com.au/brokers/guides/compliance-best-practice/consumer-credit-asset-finance-nccp-checklist): ASIC is watching. The NCCP compliance checklist for asset finance brokers writing consumer deals. Minimum vs excellent, deal by deal. - [How AI and Automation Are Actually Changing Finance Broking (and Where to Start)](https://emumoney.com.au/brokers/guides/industry-trends/how-ai-automation-changing-finance-broking): Where AI actually helps in a broker's workflow, what's not ready yet, and 5 prompts you can copy and use today to cut admin time and move faster. - [How to Convert More Enquiries Into Settled Deals](https://emumoney.com.au/brokers/guides/growing-broker-business/how-to-convert-more-enquiries-into-settled-deals): Conversion rates have dropped four periods straight. Where asset finance deals actually leak, and the specific fixes that lift a broker's settlement rate. - [How to Package a Deal That Gets Approved First Time](https://emumoney.com.au/brokers/guides/lender-product-knowledge/how-to-package-a-deal-that-gets-approved-first-time): The pre-lodgement process that gets asset finance deals approved first time: lender selection, credit file matching, packaging and using your BDM well. - [Responsible Lending for Asset Finance Brokers: Beyond the Checkbox](https://emumoney.com.au/brokers/guides/compliance-best-practice/responsible-lending-asset-finance-beyond-the-checkbox): How HEM, HPI, and serviceability actually work for asset finance brokers. Pre-submission checklist for clean files in a tighter rate environment. - [Three Hikes In: What the Rate Cycle Actually Means for Your Pipeline](https://emumoney.com.au/brokers/guides/industry-trends/three-hikes-in-what-the-rate-cycle-means-for-your-pipeline): How the RBA's three consecutive rate hikes affect asset finance brokers: lender funding chains, swap rates, credit appetite and adjusting your pipeline. - [What's Really Behind Lender Appetite (and How to Read It)](https://emumoney.com.au/brokers/guides/lender-product-knowledge/whats-really-behind-lender-appetite-and-how-to-read-it): Lender appetite is not random. Warehouse funding rules, concentration caps and risk overlays drive it. How it works and how brokers can read the signals. ## Partner Resources - [Building a Finance Referral Partnership: What Accountants Need to Know](https://emumoney.com.au/partners/guides/accountant-adviser/building-a-finance-referral-partnership): What a finance referral agreement needs to cover: scope, consent, fee and clawback, ASIC referrer conditions, APES 110 disclosure and privacy. - [EOFY Conversations: Helping Your Clients Use the Instant Asset Write-Off](https://emumoney.com.au/partners/guides/accountant-adviser/eofy-conversations-instant-asset-write-off): The $20,000 instant asset write-off is now permanent. How accountants can raise asset purchases with clients at year end and arrange finance early. - [Equipment Suppliers: Stop Selling the Price, Start Selling the Repayment](https://emumoney.com.au/partners/guides/dealer-merchant/equipment-suppliers-adding-finance-to-your-sales-process): Equipment suppliers who lead with the weekly repayment instead of the sticker price close more deals. How to reframe the sale and add finance to it. - [From Home Loans to Car Loans: A Mortgage Broker's Guide to Diversification](https://emumoney.com.au/partners/guides/mortgage-broker/from-home-loans-to-car-loans): Mortgage brokers can earn referral income from the car loans and equipment finance their clients already arrange elsewhere. How the referral model works. - [How Offering Finance Increases Your Average Sale Value](https://emumoney.com.au/partners/guides/dealer/how-finance-increases-your-average-sale-value): Equipment suppliers who show weekly finance pricing report higher conversion and bigger average orders. How embedded finance works at the point of sale. - [New AML/CTF Rules: What Referral Partners Need to Know](https://emumoney.com.au/partners/guides/industry-compliance/aml-ctf-reforms-what-referral-partners-need-to-know): Australia's AML/CTF tranche 2 reforms took effect on 1 July 2026. What referral partners, accountants, dealers and brokers must do now. - [What Happens After You Refer a Client to Emu Money](https://emumoney.com.au/partners/guides/why-partner/what-happens-after-you-refer-a-client-to-emu-money): The full partner referral journey from portal submission to commission payment. How Emu Money handles your client's finance from introduction to settlement. - [What Partners Need to Know About Responsible Lending Laws](https://emumoney.com.au/partners/guides/industry-compliance/what-partners-need-to-know-about-responsible-lending-laws): Finance referral compliance for partners: the NCCP referrer exemption, AUSTRAC Tranche 2 obligations from July 2026 and staying on the right side of them. - [Why Accountants Should Be Referring Asset Finance](https://emumoney.com.au/partners/guides/accountant-adviser/why-accountants-should-be-referring-asset-finance): Your business clients buy equipment and vehicles every year. As their accountant, you're in the best position to refer asset finance, and earn from it. - [Why Mortgage Brokers Should Add Asset Finance Referrals to Their Business](https://emumoney.com.au/partners/guides/mortgage-broker-diversification/why-mortgage-brokers-should-add-asset-finance-referrals): How mortgage brokers can earn referral income from asset finance without the BID compliance burden. A compliant path to supplementary revenue. - [Why Your Clients Get a Better Deal Through a Broker](https://emumoney.com.au/partners/guides/why-partner/broker-vs-bank-better-deal-for-clients): Speed, approval and credit file protection: why your clients get a better outcome through a finance broker than by going direct to a bank. ## Company - [About](https://emumoney.com.au/company/about): We’re an independent Australian finance brokerage helping people and businesses secure smarter loans. Backed by 50+ lenders, our mission is simple: make finance fast, transparent, and tailored to you. - [Reviews](https://emumoney.com.au/company/reviews): Emu Money Reviews on Google - 5 Star Reviews from Australians ## Legal - [Complaints](https://emumoney.com.au/legal/complaints): Emu Money are committed to providing all our customers with excellent service. If you have a complaint, please contact us. - [Credit Guide](https://emumoney.com.au/legal/credit-guide): Emu Money is committed to providing you with the best possible credit solutions. - [Privacy Policy](https://emumoney.com.au/legal/privacy-policy): Emu Money is committed to respecting the privacy of your personal information. ## A to Z of Finance: glossary - [ACCC](https://emumoney.com.au/guides/a-to-z/accc): The ACCC is the Australian Competition and Consumer Commission, the national regulator that enforces competition and consumer law, covering misleading conduct, cartels, product safety and unfair contract terms. - [Accelerated depreciation](https://emumoney.com.au/guides/a-to-z/accelerated-depreciation): Accelerated depreciation is any depreciation method that front-loads deductions, so a business claims more of an asset's cost in the early years of its life and less later. - [Acceleration clause](https://emumoney.com.au/guides/a-to-z/acceleration-clause): An acceleration clause is a term in a loan contract that lets the lender demand the whole outstanding balance immediately if the borrower breaches the agreement. - [Administration](https://emumoney.com.au/guides/a-to-z/administration): Administration is a formal insolvency procedure where an independent administrator takes temporary control of a company to rescue it or get creditors a better result than immediate liquidation. - [Affordability](https://emumoney.com.au/guides/a-to-z/affordability): Affordability is whether a person or household can meet the cost of a good, service or loan repayment without giving up essentials or taking on debt they cannot sustain. - [Agent](https://emumoney.com.au/guides/a-to-z/agent): An agent is a person or business authorised to act on behalf of another party, the principal, in transactions and negotiations within an agreed scope of authority. - [Aggregator](https://emumoney.com.au/guides/a-to-z/aggregator): An aggregator is the organisation that sits between finance brokers and lenders, giving its broker network access to a lender panel, technology, compliance support and commission processing. - [Alternative finance](https://emumoney.com.au/guides/a-to-z/alternative-finance): Alternative finance is any business finance sourced outside traditional bank lending, such as marketplace lenders, crowdfunding platforms, invoice financiers and other specialist non-bank lenders. - [Amortisation](https://emumoney.com.au/guides/a-to-z/amortisation): Amortisation is the process of spreading a cost over time: repaying a loan in scheduled instalments of interest and principal, or expensing an intangible asset over its useful life. - [Amortisation schedule](https://emumoney.com.au/guides/a-to-z/amortisation-schedule): An amortisation schedule is a table showing every repayment on a loan, splitting each one into interest and principal so you can see the balance fall. - [Annualised percentage rate (APR)](https://emumoney.com.au/guides/a-to-z/annualised-percentage-rate): The annualised percentage rate (APR) is the annual interest rate a credit provider must disclose on regulated consumer credit under the National Credit Code, excluding fees. - [Anti-money laundering (AML)](https://emumoney.com.au/guides/a-to-z/anti-money-laundering): Anti-money laundering (AML) is the set of laws, controls and processes designed to stop criminals turning the proceeds of crime into apparently legitimate funds, enforced in Australia by AUSTRAC. - [Appraisal](https://emumoney.com.au/guides/a-to-z/appraisal): An appraisal is a professional estimate of an asset's value at a set date, which lenders and lessors use to set loan-to-value ratios, price leases and assess collateral risk. - [APRA](https://emumoney.com.au/guides/a-to-z/apra): APRA is the Australian Prudential Regulation Authority, the statutory regulator responsible for prudential regulation of banks, credit unions, insurers and superannuation funds, protecting depositors, policyholders and fund members. - [Arrears](https://emumoney.com.au/guides/a-to-z/arrears): Arrears are overdue repayments on a loan or credit account: the borrower has missed instalments, which the lender tracks by days past due and which can lead to a default. - [Artificial intelligence (AI)](https://emumoney.com.au/guides/a-to-z/artificial-intelligence): Artificial intelligence (AI) is technology that lets computer systems learn from data, recognise patterns and make decisions that would traditionally require human judgement, including credit decisions in lending. - [ASIC](https://emumoney.com.au/guides/a-to-z/asic): ASIC is the Australian Securities and Investments Commission, the regulator for companies, markets, financial services and consumer credit, which licenses providers, keeps public registers and enforces conduct laws. - [Asset](https://emumoney.com.au/guides/a-to-z/asset): An asset is anything a business or person owns or controls that is expected to produce future economic benefit, such as cash, equipment, vehicles, property or receivables. - [Asset disposal](https://emumoney.com.au/guides/a-to-z/asset-disposal): Asset disposal is the sale, trade-in, scrapping or retirement of a business asset, which takes it off the asset register and triggers accounting and tax adjustments. - [Asset finance](https://emumoney.com.au/guides/a-to-z/asset-finance): Asset finance is the umbrella term for business finance that pays for vehicles, equipment and other income-producing assets, with the asset itself acting as the security. - [Asset register](https://emumoney.com.au/guides/a-to-z/asset-register): An asset register is a structured record of the tangible and intangible assets a business owns, controls or leases, tracking each item's location, value, depreciation and disposal in one place. - [Asset-based finance (ABF)](https://emumoney.com.au/guides/a-to-z/asset-based-finance): Asset-based finance (ABF) is business finance secured on a company's assets, with the facility size set by the value of the receivables, inventory, equipment or property pledged. - [Assignment of contract](https://emumoney.com.au/guides/a-to-z/assignment): An assignment of contract is the transfer of one party's rights under a contract, such as the right to be paid, to a third party, without transferring the assignor's obligations. - [ATO](https://emumoney.com.au/guides/a-to-z/ato): The ATO is the Australian Taxation Office, the national tax authority that collects income tax, GST and PAYG, administers superannuation rules, issues rulings and enforces compliance. - [AUSTRAC](https://emumoney.com.au/guides/a-to-z/austrac): AUSTRAC is Australia's financial intelligence unit and anti-money laundering regulator: it collects reports from regulated businesses, analyses them and supervises reporting entities under the AML/CTF Act. - [Australian credit licence (ACL)](https://emumoney.com.au/guides/a-to-z/australian-credit-licence): An Australian credit licence (ACL) is the authorisation from ASIC that a business needs to provide consumer credit or credit assistance under the National Consumer Credit Protection Act. - [Bad credit finance](https://emumoney.com.au/guides/a-to-z/bad-credit-finance): Bad credit finance is a broad category of lending products designed for borrowers whose credit history shows defaults, court judgments or bankruptcy, problems that make mainstream lenders hesitant. - [Bad debt](https://emumoney.com.au/guides/a-to-z/bad-debt): A bad debt is an amount owed to your business, usually an unpaid invoice already counted as income, that you cannot recover despite reasonable efforts and so write off. - [Balance sheet](https://emumoney.com.au/guides/a-to-z/balance-sheet): A balance sheet is a financial statement that shows a business's financial position at a specific date: what it owns (assets), what it owes (liabilities) and the owners' equity. - [Balloon payment](https://emumoney.com.au/guides/a-to-z/balloon-payment): A balloon payment is a lump sum, agreed upfront, that is paid at the end of a loan term and lowers the regular repayments by deferring part of the principal. - [Balloon refinance](https://emumoney.com.au/guides/a-to-z/balloon-refinance): A balloon refinance is a new loan taken out to pay the balloon payment owed at the end of a car or equipment finance term. - [Bank guarantee](https://emumoney.com.au/guides/a-to-z/bank-guarantee): A bank guarantee is a written promise from a bank to pay a set amount to a third party if its customer does not meet an obligation. - [Bank statement](https://emumoney.com.au/guides/a-to-z/bank-statement): A bank statement is a record from your bank listing every deposit, withdrawal and fee on an account, with the running balance for the period. - [Bankruptcy](https://emumoney.com.au/guides/a-to-z/bankruptcy): Bankruptcy is a legal status for an individual who cannot pay their debts, under which a trustee takes control of their affairs and deals with creditors on their behalf. - [Base rate](https://emumoney.com.au/guides/a-to-z/base-rate): A base rate is the reference interest rate a lender starts from, before it adds the margin, or spread, that reflects the borrower and the term. - [Basis point](https://emumoney.com.au/guides/a-to-z/basis-point): A basis point (bps) is a unit equal to one hundredth of a percentage point, used to express small changes in interest rates, yields, fees and spreads. - [Beneficial owner](https://emumoney.com.au/guides/a-to-z/beneficial-owner): A beneficial owner is the natural person who ultimately owns or controls a company, trust or other entity, even when legal title sits in another name. - [Beneficial ownership](https://emumoney.com.au/guides/a-to-z/beneficial-ownership): Beneficial ownership is the right to enjoy the benefits of an asset or company, such as income or sale proceeds, even when someone else is the legal owner. - [Best interests duty](https://emumoney.com.au/guides/a-to-z/best-interests-duty): The best interests duty is a statutory obligation requiring financial advisers giving personal advice and mortgage brokers arranging credit to put the customer's interests first. - [Bill of sale](https://emumoney.com.au/guides/a-to-z/bill-of-sale): A bill of sale is a written record that documents the transfer of ownership of personal property, such as a vehicle, boat or equipment, from a seller to a buyer. - [Block discounting](https://emumoney.com.au/guides/a-to-z/block-discounting): Block discounting is receivables finance where a lender finances a whole portfolio, or block, of hire-purchase or instalment contracts in one facility rather than individual invoices. - [Break costs](https://emumoney.com.au/guides/a-to-z/break-costs): Break costs are the charges a lender passes on when a fixed rate loan is repaid or changed before the fixed term ends. - [Break option](https://emumoney.com.au/guides/a-to-z/break-option): A break option is a lease clause that lets the lessee, the lessor or both end a lease early, provided they give the required notice and meet its conditions. - [Bridging loan](https://emumoney.com.au/guides/a-to-z/bridging-loan): A bridging loan is short-term finance secured by a mortgage over property, covering the gap when you buy a new property before the sale of your existing one settles. - [Broker](https://emumoney.com.au/guides/a-to-z/broker): A broker is a licensed intermediary who connects borrowers with lenders, comparing finance options across a panel of lenders and submitting applications on the borrower's behalf. - [Business loan](https://emumoney.com.au/guides/a-to-z/business-loan): A business loan is finance for business operations, capital expenditure or growth, repaid with interest, either over an agreed term or as a revolving limit you draw and repay. - [Business risk](https://emumoney.com.au/guides/a-to-z/business-risk): Business risk is the chance that an event or condition stops a business meeting its objectives, from profitability and growth to regulatory compliance and continuity. - [Buy now, pay later (BNPL)](https://emumoney.com.au/guides/a-to-z/buy-now-pay-later): Buy now, pay later (BNPL) is regulated consumer credit where a provider pays the merchant up front and you repay in set instalments, usually interest-free if paid on time. - [Buy-back](https://emumoney.com.au/guides/a-to-z/buy-back): A buy-back is a contractual arrangement in asset finance where the seller, or another party, agrees to repurchase an asset at a future date or under agreed conditions. - [Cap rate](https://emumoney.com.au/guides/a-to-z/cap-rate): A cap rate is either a ceiling written into a variable interest rate, or, in property, short for capitalisation rate: net operating income divided by value. - [Capital allowances](https://emumoney.com.au/guides/a-to-z/capital-allowances): Capital allowances are the tax deductions you can claim for the decline in value of depreciating assets, such as plant and equipment, that you hold to produce assessable income. - [Capital expenditure (CapEx)](https://emumoney.com.au/guides/a-to-z/capital-expenditure): Capital expenditure (CapEx) is money a business spends to buy or improve fixed assets such as buildings, plant and vehicles, rather than on day-to-day running costs. - [Capital gains tax (CGT)](https://emumoney.com.au/guides/a-to-z/capital-gains-tax): Capital gains tax (CGT) is the income tax you pay on the net profit from selling or disposing of an asset, added to your income rather than charged separately. - [Captive lessor](https://emumoney.com.au/guides/a-to-z/captive-lessor): A captive lessor is a finance company owned or sponsored by a manufacturer, distributor or dealer network that exists mainly to provide leasing and finance supporting the vendor's sales. - [Car loan](https://emumoney.com.au/guides/a-to-z/car-loan): A car loan is a credit contract used to buy a vehicle: the lender provides the funds and you repay them over time with interest. - [Cash flow](https://emumoney.com.au/guides/a-to-z/cashflow): Cash flow is the movement of money into and out of a business over a period; unlike profit, it tracks actual receipts and payments, so it measures liquidity. - [Cash rate](https://emumoney.com.au/guides/a-to-z/cash-rate): The cash rate is the interest rate the RBA targets for overnight loans between banks, the benchmark that anchors short-term funding costs and influences most Australian lending rates. - [Cashflow loan](https://emumoney.com.au/guides/a-to-z/cashflow-loan): A cashflow loan is short-term business finance assessed on your recent trading cashflow and receivables rather than pledged assets, covering payroll, supplier bills or stock before customer payments arrive. - [Caveat](https://emumoney.com.au/guides/a-to-z/caveat): A caveat is a notice lodged on a property title that warns others of a claimed interest and blocks most dealings until it is resolved. - [Chattel mortgage](https://emumoney.com.au/guides/a-to-z/chattel-mortgage): A chattel mortgage is a business loan for a vehicle or equipment: you own the asset from settlement and the lender holds a security interest until it is repaid. - [Clawbacks](https://emumoney.com.au/guides/a-to-z/clawbacks): Clawbacks are contract clauses that let a lender or aggregator recover commission already paid to a broker when a loan is repaid, refinanced or discharged within a set period. - [Collateral](https://emumoney.com.au/guides/a-to-z/collateral): Collateral is the property a borrower pledges to a lender as security for a loan, which the lender can sell if the borrower defaults. - [Collateral risk](https://emumoney.com.au/guides/a-to-z/collateral-risk): Collateral risk is the chance that an asset pledged as security fails to cover the exposure because it falls in value, cannot be sold quickly or cannot be enforced. - [Collections](https://emumoney.com.au/guides/a-to-z/collections): Collections is the recovery process a lender, creditor or business runs when payments fall overdue: reminders, calls, payment plans and hardship offers, then referral to agencies or legal action. - [Commercial loan](https://emumoney.com.au/guides/a-to-z/commercial-loan): A commercial loan is credit provided to a company, trust or other business structure to fund business activities such as property, equipment or working capital, not personal spending. - [Commissions](https://emumoney.com.au/guides/a-to-z/commissions): Commissions are payments a lender or product issuer makes to a broker, adviser or referrer for arranging or servicing a financial product, paid upfront, as ongoing trail or both. - [Commitment letter](https://emumoney.com.au/guides/a-to-z/commitment-letter): A commitment letter is a document from a lender confirming it will provide a specified amount of finance on stated terms, subject to listed conditions being met before drawdown. - [Company](https://emumoney.com.au/guides/a-to-z/company): A company is a separate legal entity, formed under the Corporations Act 2001, that can own property, borrow and be sued in its own name, independently of its shareholders. - [Comparison rate](https://emumoney.com.au/guides/a-to-z/comparison-rate): A comparison rate is a single annual percentage that combines a loan's interest rate with most upfront and ongoing fees to show its ongoing cost more clearly. - [Compliance](https://emumoney.com.au/guides/a-to-z/compliance): Compliance is the work a business does to meet the laws, licence conditions and industry rules that apply to it, and to prove it has. - [Compound interest](https://emumoney.com.au/guides/a-to-z/compound-interest): Compound interest is interest calculated on both the original principal and the interest already added in earlier periods, so balances and debts grow faster than with simple interest. - [Comprehensive car insurance](https://emumoney.com.au/guides/a-to-z/comprehensive-car-insurance): Comprehensive car insurance is the broadest level of motor cover, paying for damage to your own car as well as damage you cause to other people's property. - [Comprehensive credit reporting (CCR)](https://emumoney.com.au/guides/a-to-z/comprehensive-credit-reporting): Comprehensive credit reporting (CCR) is the system under which lenders share positive credit information, such as repayment history and credit limits, as well as defaults, on your credit file. - [Conditional sale](https://emumoney.com.au/guides/a-to-z/conditional-sale): A conditional sale is a contract where the buyer takes possession of goods but the seller keeps legal title until a stated condition, usually full payment, is met. - [Construction loan](https://emumoney.com.au/guides/a-to-z/construction-loan): A construction loan is a loan that pays for building work in stages, releasing funds as a new home, rebuild, extension or commercial development reaches each milestone. - [Consumer credit](https://emumoney.com.au/guides/a-to-z/consumer-credit): Consumer credit is a loan, credit card, consumer lease or other credit provided mainly for personal, household or domestic purposes and regulated by the National Credit Code. - [Contents insurance](https://emumoney.com.au/guides/a-to-z/contents-insurance): Contents insurance is cover for the belongings inside your home, paying to repair or replace items damaged or stolen in an insured event. - [Contract hire](https://emumoney.com.au/guides/a-to-z/contract-hire): Contract hire is a fixed-term vehicle or equipment lease where a business pays fixed rentals for exclusive use of the asset while the lessor keeps ownership and resale risk. - [Counter-terrorism finance (CTF)](https://emumoney.com.au/guides/a-to-z/counter-terrorism-finance): Counter-terrorism finance (CTF) is the set of controls that prevent, detect and cut off funds flowing to terrorists, which Australian reporting entities must apply under the AML/CTF Act. - [Covenants](https://emumoney.com.au/guides/a-to-z/covenants): Covenants are promises, obligations or restrictions written into a contract or recorded on land title that bind the parties, such as a borrower's promise to maintain minimum interest cover. - [Credit](https://emumoney.com.au/guides/a-to-z/credit): Credit is the ability to borrow money or receive goods and services now in return for a promise to repay later, usually with interest and fees on agreed terms. - [Credit card](https://emumoney.com.au/guides/a-to-z/credit-card): A credit card is a form of revolving credit that lets you borrow up to a pre-approved limit for purchases, cash advances or short-term finance. - [Credit guide](https://emumoney.com.au/guides/a-to-z/credit-guide): A credit guide is a prescribed disclosure document that a broker or credit licensee must give a consumer before providing credit assistance, covering licence details, remuneration and complaints handling. - [Credit loss](https://emumoney.com.au/guides/a-to-z/credit-loss): Credit loss is the amount a lender or creditor expects not to recover from a loan, trade receivable or lease because the borrower fails to pay. - [Credit rating](https://emumoney.com.au/guides/a-to-z/credit-rating): A credit rating is an independent assessment of how likely a government, company or debt issue is to meet its obligations on time, graded from AAA down to D. - [Credit risk](https://emumoney.com.au/guides/a-to-z/credit-risk): Credit risk is the possibility that a borrower or counterparty will default on their contractual repayments, leaving the lender or investor with a loss. - [Credit score](https://emumoney.com.au/guides/a-to-z/credit-score): A credit score is a number calculated from your credit report that tells lenders how likely you are to repay, based on your borrowing history. - [Creditor](https://emumoney.com.au/guides/a-to-z/creditor): A creditor is a person, business or lender that is owed money by someone else, usually under a loan, an invoice or a supply agreement. - [Cross-collateralisation](https://emumoney.com.au/guides/a-to-z/cross-collateralisation): Cross-collateralisation is a lending arrangement where one lender holds more than one of your assets as security, or one asset for more than one loan, tying them together. - [Cross-default](https://emumoney.com.au/guides/a-to-z/cross-default): Cross-default is a loan clause that puts you in default on one facility as soon as you default on another finance agreement. - [Data protection](https://emumoney.com.au/guides/a-to-z/data-protection): Data protection is the legal duty of brokers and lenders to handle customers' personal information under the Privacy Act and the Australian Privacy Principles, from collection to secure destruction. - [Dealers](https://emumoney.com.au/guides/a-to-z/dealers): Dealers are businesses that buy and resell goods such as vehicles, equipment or machinery, and often arrange or introduce finance for the buyer at the point of sale. - [Debt adjusting](https://emumoney.com.au/guides/a-to-z/debt-adjusting): Debt adjusting is any arrangement that changes what a debtor owes or when they pay it, from an informal hardship variation through to a debt agreement or bankruptcy. - [Debt collection regulations](https://emumoney.com.au/guides/a-to-z/debt-collection-regulations): Debt collection regulations are the laws, guidance and licensing rules that govern how creditors and collectors may behave when recovering money owed, including bans on harassment and misleading conduct. - [Debt consolidation loan](https://emumoney.com.au/guides/a-to-z/debt-consolidation-loan): A debt consolidation loan is a personal loan used to pay out several existing debts, such as credit cards and payday loans, leaving one repayment. - [Debt counselling](https://emumoney.com.au/guides/a-to-z/debt-counselling): Debt counselling is a free, confidential service, known in Australia as financial counselling, that helps people in financial difficulty build a realistic budget and negotiate hardship arrangements with creditors. - [Debt service coverage ratio (DSCR)](https://emumoney.com.au/guides/a-to-z/dscr): The debt service coverage ratio (DSCR) is a lending measure that divides the cash flow available for repayments by the debt repayments due over the same period. - [Debtor](https://emumoney.com.au/guides/a-to-z/debtor): A debtor is a person or business that owes money to someone else, whether under a loan, a credit account or an unpaid invoice. - [Deed of release](https://emumoney.com.au/guides/a-to-z/deed-of-release): A deed of release is a signed legal document in which one party gives up a claim or a security interest against another, ending that obligation. - [Default](https://emumoney.com.au/guides/a-to-z/default): A default is a borrower's failure to meet the terms of a credit contract, usually by missing repayments, which lets the lender demand the balance and enforce its security. - [Default interest](https://emumoney.com.au/guides/a-to-z/default-interest): Default interest is an agreed or statutory rate of interest charged on a loan, invoice or judgment when a payment falls into arrears or a contract term is breached. - [Deposit](https://emumoney.com.au/guides/a-to-z/deposit): A deposit is the upfront amount a buyer or borrower pays towards a purchase, either as part-payment on a sale contract or as cash contributed to asset finance. - [Depreciation](https://emumoney.com.au/guides/a-to-z/depreciation): Depreciation is the fall in an asset's value over time, spread across the years the asset is used so the cost can be claimed as a tax deduction. - [Depreciation schedule](https://emumoney.com.au/guides/a-to-z/depreciation-schedule): A depreciation schedule is a report that lists an asset's cost, its effective life and the depreciation you can claim against income each year. - [Design and distribution obligations (DDO)](https://emumoney.com.au/guides/a-to-z/design-and-distribution-obligations): Design and distribution obligations (DDO) are rules requiring the issuer of a retail financial product to define its target market and distributors to take reasonable steps to sell within it. - [Direct debit](https://emumoney.com.au/guides/a-to-z/direct-debit): A direct debit is an authority, given through a Direct Debit Request (DDR), that lets a biller withdraw agreed payments from your nominated bank account, usually for recurring bills. - [Disbursement](https://emumoney.com.au/guides/a-to-z/disbursement): A disbursement is money paid out to a third party or on your behalf, such as loan funds released at settlement or costs a solicitor pays for you. - [Distributors](https://emumoney.com.au/guides/a-to-z/distributors): Distributors are businesses that buy goods from a manufacturer and resell them to dealers, retailers or end customers, often supporting the sale with pre-arranged finance programs and stocking finance. - [Dividend](https://emumoney.com.au/guides/a-to-z/dividend): A dividend is a payment a company makes to its shareholders, usually out of profits, paid as cash or as extra shares. - [Dividend yield](https://emumoney.com.au/guides/a-to-z/dividend-yield): A dividend yield is the annual dividend per share divided by the current share price, shown as a percentage so income can be compared across shares. - [Drawdown](https://emumoney.com.au/guides/a-to-z/drawdown): A drawdown is a borrower taking funds under an approved loan facility, in one payment or in stages, once the lender's conditions have been met. - [Dual financing](https://emumoney.com.au/guides/a-to-z/dual-financing): Dual financing is a lending structure where two separate lenders finance the same borrower or project, typically a senior first-ranking facility alongside a subordinated or mezzanine loan. - [E-signature](https://emumoney.com.au/guides/a-to-z/e-signature): An e-signature (electronic signature) is any electronic mark, action or process that shows a person's intention to accept the contents of an electronic document or message. - [Early settlement](https://emumoney.com.au/guides/a-to-z/early-settlement): Early settlement is paying a loan or lease out in full before the end of its term using the lender's payout figure, or bringing a property settlement date forward. - [Earnings before interest and tax (EBIT)](https://emumoney.com.au/guides/a-to-z/earnings-before-interest-and-tax): Earnings before interest and tax (EBIT) is a business's operating profit before financing costs and tax, showing what core operations earn regardless of debt levels or tax rates. - [Economic life](https://emumoney.com.au/guides/a-to-z/economic-life): Economic life is the period during which an asset keeps earning enough to justify running it, after allowing for maintenance costs, lost efficiency, new technology and market demand. - [Encumbrance](https://emumoney.com.au/guides/a-to-z/encumbrance): An encumbrance is a claim someone else holds over an asset, such as a loan secured against it, that limits how freely it can be sold. - [Equifax](https://emumoney.com.au/guides/a-to-z/equifax): Equifax is a credit reporting body (credit bureau) that collects credit information from lenders and public records to build the credit files, reports and scores used to assess applications. - [Equipment finance](https://emumoney.com.au/guides/a-to-z/equipment-finance): Equipment finance is business finance used to buy or lease machinery, vehicles and other equipment, where the equipment itself secures the loan or is owned by the financier. - [Equipment schedule](https://emumoney.com.au/guides/a-to-z/equipment-schedule): An equipment schedule is the single, auditable list of the plant and machinery on a project or contract, used to manage delivery, commissioning and handover. - [Equity](https://emumoney.com.au/guides/a-to-z/equity): Equity is the share of an asset you actually own: its market value less any debt secured against it, such as a mortgage. - [Ethics](https://emumoney.com.au/guides/a-to-z/ethics): Ethics in lending is the set of conduct standards that shape how brokers and lenders treat borrowers, manage conflicts of interest and make decisions beyond what the law requires. - [Facility letter](https://emumoney.com.au/guides/a-to-z/facility-letter): A facility letter is a lender's written confirmation of the terms on which it proposes to provide a loan or other finance facility to a borrower. - [Factor rate](https://emumoney.com.au/guides/a-to-z/factor-rate): A factor rate is a multiplier that short-term and alternative lenders apply to the amount borrowed to fix the total repayment, instead of quoting an annual interest rate. - [Factoring](https://emumoney.com.au/guides/a-to-z/factoring): Factoring is a finance arrangement where a business sells or assigns its unpaid invoices to a specialist lender, the factor, for an immediate cash advance and outsourced collections. - [Fees](https://emumoney.com.au/guides/a-to-z/fees): Fees are the explicit charges a provider applies for a financial product or service, separate from interest and covering access, administration or transactions. - [Finance lease](https://emumoney.com.au/guides/a-to-z/finance-lease): A finance lease is a lease where the financier owns the asset and your business pays to use it for most of its life, taking on the risks of ownership. - [Financial services guide (FSG)](https://emumoney.com.au/guides/a-to-z/financial-services-guide): A financial services guide (FSG) is the plain-language disclosure document a licensed financial firm gives retail clients, explaining its services, how it is paid and how to complain. - [Fintech](https://emumoney.com.au/guides/a-to-z/fintech): Fintech (short for financial technology) is the use of software, data and modern infrastructure to deliver or improve financial services, from mobile payments and digital banking to online lending. - [Fittings](https://emumoney.com.au/guides/a-to-z/fittings): Fittings are items in a property that are not part of the permanent structure and can be removed without substantial damage, whether freestanding or only lightly attached. - [Fixed assets](https://emumoney.com.au/guides/a-to-z/fixed-assets): Fixed assets are the long-term assets a business holds to use in its operations rather than to sell, providing economic benefits for more than one accounting period. - [Fixed charge](https://emumoney.com.au/guides/a-to-z/fixed-charge): A fixed charge is a security interest over a specific, identifiable asset, such as a named machine or building, which the borrower cannot deal with without the lender's consent. - [Fixed rate](https://emumoney.com.au/guides/a-to-z/fixed-rate): A fixed rate is an interest rate locked in for a set term, so the rate and usually the repayments do not change until that term ends. - [Fixtures](https://emumoney.com.au/guides/a-to-z/fixtures): Fixtures are items attached to land or a building so firmly that they are treated as part of the real property rather than as movable chattels. - [Flat rate](https://emumoney.com.au/guides/a-to-z/flat-rate): A flat rate is an interest method that charges a fixed percentage of the original principal for every year of the term, ignoring the balance you have repaid. - [Fleet](https://emumoney.com.au/guides/a-to-z/fleet): A fleet is a group of vehicles owned, leased or managed by one organisation for business use, from a few utes and vans to hundreds of trucks and plant. - [Floating charge](https://emumoney.com.au/guides/a-to-z/floating-charge): A floating charge is a security interest over a shifting pool of assets, such as stock and receivables, that lets the business keep trading them until the charge crystallises. - [Floor rate](https://emumoney.com.au/guides/a-to-z/floor-rate): A floor rate is the minimum interest rate a variable loan contract allows; lenders also use the phrase for the minimum rate they test serviceability against. - [Foreign Investment Review Board (FIRB) approval](https://emumoney.com.au/guides/a-to-z/foreign-investment-review-board-approval): Foreign Investment Review Board (FIRB) approval is the statutory permission a foreign person may need before acquiring Australian land, property or business interests covered by foreign investment law. - [Franchise finance](https://emumoney.com.au/guides/a-to-z/franchise-finance): Franchise finance is business lending for buying, starting, growing or refinancing a franchise, covering buy-in fees, fit-out, equipment, stock and working capital while allowing for royalties and franchisor fees. - [Franking credits](https://emumoney.com.au/guides/a-to-z/franking-credits): Franking credits are tax credits attached to Australian dividends that pass on company tax already paid, so shareholders are not taxed twice on the same profit. - [Fraud](https://emumoney.com.au/guides/a-to-z/fraud): Fraud is deliberate deception or misrepresentation intended to secure an unfair or unlawful gain or cause loss, such as false documents on a loan application. - [Fringe benefits tax (FBT)](https://emumoney.com.au/guides/a-to-z/fbt): Fringe benefits tax (FBT) is a tax employers pay on non-cash benefits given to employees, such as a work car available for private use. - [Full payout lease](https://emumoney.com.au/guides/a-to-z/full-payout-lease): A full payout lease is a lease priced so the lessor recovers the asset's cost, finance charges and fees through the rentals, usually leaving a nominal or zero residual. - [Full service lease](https://emumoney.com.au/guides/a-to-z/full-service-lease): A full service lease is a vehicle lease in which the lessor supplies the vehicle and bundles finance, maintenance, tyres, registration and fleet administration into one fixed monthly payment. - [Funder](https://emumoney.com.au/guides/a-to-z/funder): A funder is the party that provides the capital behind a lease or loan and carries the credit risk, whether or not it is the entity named on the contract. - [Funding](https://emumoney.com.au/guides/a-to-z/funding): Funding is the capital a business uses to start, run or grow, raised as debt, equity, grants or alternative finance. - [Goods and services tax (GST)](https://emumoney.com.au/guides/a-to-z/gst): Goods and services tax (GST) is a broad-based 10% tax on most goods and services sold in Australia, which registered businesses collect on sales and pay to the ATO. - [Government grants](https://emumoney.com.au/guides/a-to-z/government-grants): Government grants are non-repayable payments from federal, state or local government to eligible businesses, not-for-profits or individuals to fund defined projects or outcomes under set program conditions. - [Green loan](https://emumoney.com.au/guides/a-to-z/green-loan): A green loan is a purpose-specific loan for energy-efficiency or renewable energy upgrades, such as solar, batteries or heat pumps, with permitted uses the lender verifies. - [Gross salary](https://emumoney.com.au/guides/a-to-z/gross-salary): Gross salary is the total amount an employer agrees to pay you before tax, salary sacrifice and other deductions are taken out. - [Guarantee](https://emumoney.com.au/guides/a-to-z/guarantee): A guarantee is a contract in which a guarantor promises a creditor to pay or perform if the principal debtor defaults, supporting the debt rather than replacing it. - [Hard asset](https://emumoney.com.au/guides/a-to-z/hard-asset): A hard asset is a tangible, physical item with intrinsic value, such as a truck or a machine, that lenders can inspect, value and take as security. - [Hardship](https://emumoney.com.au/guides/a-to-z/hardship): Financial hardship is when a change in your circumstances, such as job loss or illness, means you cannot meet your loan, credit or bill repayments on time. - [High net worth (HNW)](https://emumoney.com.au/guides/a-to-z/high-net-worth): High net worth (HNW) is an industry label for individuals whose investable assets, net of liabilities, exceed provider thresholds that often overlap with the wholesale client tests. - [High value leasing](https://emumoney.com.au/guides/a-to-z/high-value-leasing): High value leasing is the leasing of assets, most often prestige vehicles, priced well above typical fleet or consumer levels, which raises residual risk, tax exposure and credit requirements. - [Higher deposit requirements for visa holders](https://emumoney.com.au/guides/a-to-z/higher-deposit-requirements-for-visa-holders): Higher deposit requirements for visa holders are lender rules that ask temporary residents for more cash upfront than citizens, capping the loan-to-value ratio. - [Hire](https://emumoney.com.au/guides/a-to-z/hire): Hire is a contract under which an owner or supplier lets a hirer use goods for an agreed period in exchange for payment, while title stays with the owner. - [Hire purchase](https://emumoney.com.au/guides/a-to-z/hire-purchase): Hire purchase is a finance agreement where a financier buys an asset and hires it to you for fixed instalments, with ownership passing to you at the final payment. - [Home loan](https://emumoney.com.au/guides/a-to-z/home-loan): A home loan is a secured loan used to buy property or fund major home projects, with the lender taking a mortgage over the property as security. - [HPI check](https://emumoney.com.au/guides/a-to-z/hpi): An HPI check is a vehicle history and finance check that shows whether a used car has outstanding finance registered against it, or a stolen or written-off record. - [illion](https://emumoney.com.au/guides/a-to-z/illion): illion was an Australian credit reporting body, now part of Experian, whose consumer and commercial credit files still sit behind many lending decisions. - [Independent lessor](https://emumoney.com.au/guides/a-to-z/independent-lessor): An independent lessor is a non-bank, non-captive finance company that owns the assets it leases and prices deals on its own underwriting appetite rather than a manufacturer's program. - [Indigenous business finance](https://emumoney.com.au/guides/a-to-z/indigenous-business-finance): Indigenous business finance is the range of loans, grants and investment options built for Indigenous, First Nations and Aboriginal and Torres Strait Islander owned businesses. - [Input tax credit](https://emumoney.com.au/guides/a-to-z/input-tax-credit): An input tax credit is the GST a registered business can claim back on the price of goods and services it buys for business use. - [Inspection](https://emumoney.com.au/guides/a-to-z/inspection): An inspection is a structured check of a leased or financed asset's identity, condition and usage against the contract, done before delivery, during the term or at return. - [Instalment credit](https://emumoney.com.au/guides/a-to-z/instalment-credit): Instalment credit is consumer credit repaid in regular, pre-set payments of principal and interest over a fixed term, reducing the balance to zero or an agreed final amount. - [Instant asset write-off](https://emumoney.com.au/guides/a-to-z/instant-asset-write-off): The instant asset write-off is a tax concession that lets eligible businesses deduct the full cost of a depreciating asset in the year of first use, up to a threshold. - [Insurance](https://emumoney.com.au/guides/a-to-z/insurance): Insurance is a contract where you pay a premium and an insurer covers specified losses, such as damage to a financed asset or a lender's loss on default. - [Interest](https://emumoney.com.au/guides/a-to-z/interest): Interest is the price of using money: what a borrower pays on a loan, or a saver earns on a deposit, expressed as a percentage rate on the principal. - [Interest rate risk](https://emumoney.com.au/guides/a-to-z/interest-rate-risk): Interest rate risk is the exposure a financial asset, liability or portfolio has to changes in market interest rates, which alter the present value of its future cash flows. - [Interest-free](https://emumoney.com.au/guides/a-to-z/interest-free): Interest-free means a purchase plan or loan that charges no interest, either throughout or for a promotional period, after which any balance owing attracts the standard rate. - [Invoice discounting](https://emumoney.com.au/guides/a-to-z/invoice-discounting): Invoice discounting is a working capital facility where a lender advances most of an unpaid invoice's value and holds a reserve until your customer pays. - [Invoice fraud](https://emumoney.com.au/guides/a-to-z/invoice-fraud): Invoice fraud is a type of fraud in which criminals send fake or altered invoices, or bogus bank-detail changes, to trick a business into paying an account they control. - [Know your customer (KYC)](https://emumoney.com.au/guides/a-to-z/know-your-customer): Know your customer (KYC) is the process a reporting entity uses to identify and verify a customer, understand their business and assess the money laundering and terrorism financing risk. - [Landlord insurance](https://emumoney.com.au/guides/a-to-z/landlord-insurance): Landlord insurance is cover for a rental property owner, protecting against tenant related loss such as damage, theft and lost rent, plus legal liability. - [Lease](https://emumoney.com.au/guides/a-to-z/lease): A lease is a contract giving the lessee the right to use an asset owned by the lessor for a set term in return for payments. - [Lease payments](https://emumoney.com.au/guides/a-to-z/lease-payments): Lease payments are regular amounts a lessee pays a lessor for the use of an asset over a set term, bundling a finance charge with fees and sometimes services. - [Lease purchase](https://emumoney.com.au/guides/a-to-z/lease-purchase): A lease purchase is a lease over a vehicle or equipment with a contractual option to buy it at the end for a pre-agreed residual value. - [Lease rate factor](https://emumoney.com.au/guides/a-to-z/lease-rate-factor): A lease rate factor is the monthly rental a lessor charges per dollar of equipment cost, used to price a lease without quoting an annual rate. - [Lease term](https://emumoney.com.au/guides/a-to-z/lease-term): A lease term is the agreed period a lease runs, from the commencement date to expiry, which sets when rent or rentals are payable and when the lease can end. - [Lease vs buy](https://emumoney.com.au/guides/a-to-z/lease-vs-buy): Lease vs buy is the choice between paying to use an asset for a set term and owning it outright or with finance. - [Lessee](https://emumoney.com.au/guides/a-to-z/lessee): A lessee is the party that takes the right to use an asset, such as premises, a vehicle or equipment, from the lessor under a lease. - [Lessor](https://emumoney.com.au/guides/a-to-z/lessor): A lessor is the party that grants a lease of property, goods or equipment to a lessee, keeping legal title while the lessee has possession and use. - [Liability](https://emumoney.com.au/guides/a-to-z/liability): A liability is a legal responsibility to pay money or answer for a loss; in accounting, a present obligation to transfer an economic resource, shown on the balance sheet. - [Lien](https://emumoney.com.au/guides/a-to-z/lien): A lien is a legal right a creditor holds over another person's property, such as goods or land, as security until a debt is paid. - [Line of credit](https://emumoney.com.au/guides/a-to-z/line-of-credit): A line of credit is a revolving credit facility with an approved limit that you can draw, repay and redraw, paying interest only on the drawn balance. - [Liquidation](https://emumoney.com.au/guides/a-to-z/liquidation): Liquidation is the process of winding up a company: a liquidator takes control, sells its assets, pays creditors in a set order of priority and the company is deregistered. - [LMCT (licensed motor car trader)](https://emumoney.com.au/guides/a-to-z/lmct): An LMCT (licensed motor car trader) is a dealer licensed under Victoria's Motor Car Traders Act to buy, sell or exchange vehicles as a business, giving buyers statutory protections. - [Loan](https://emumoney.com.au/guides/a-to-z/loan): A loan is money advanced by a lender to a borrower, repaid as principal plus interest over an agreed term under a contract. - [Loan-to-value ratio (LVR)](https://emumoney.com.au/guides/a-to-z/loan-to-value-ratio): A loan-to-value ratio (LVR) is the amount you borrow as a percentage of the value of the security, usually property, and a key measure of lending risk. - [Maintenance](https://emumoney.com.au/guides/a-to-z/maintenance): Maintenance is the inspection, servicing and repair work that keeps an asset in safe working order, and in finance and hire agreements a contractual obligation with set tasks. - [Manufacturer buy-back](https://emumoney.com.au/guides/a-to-z/manufacturer-buy-back): A manufacturer buy-back is a commitment by a manufacturer to repurchase a vehicle or equipment at a pre-agreed price, or on set conditions, usually when a lease ends. - [Margin](https://emumoney.com.au/guides/a-to-z/margin): Margin is the share of each revenue dollar left after costs, what a lender adds to its base rate, or your own equity in a geared share portfolio. - [Margin call](https://emumoney.com.au/guides/a-to-z/margin-call): A margin call is a demand from a lender for extra cash or security when the value of the assets backing a loan falls too far. - [Master lease](https://emumoney.com.au/guides/a-to-z/master-lease): A master lease is an umbrella agreement: in property, a head lease taken to sublet; in equipment finance, one contract covering separate asset schedules. - [Material adverse change](https://emumoney.com.au/guides/a-to-z/material-adverse-change): A material adverse change is a significant deterioration in your financial position that, under a MAC clause, lets a lender decline to fund a facility or demand repayment. - [Medium amount credit contract (MACC)](https://emumoney.com.au/guides/a-to-z/medium-amount-credit-contract): A medium amount credit contract (MACC) is a non-bank consumer credit contract for more than $2,000 and up to $5,000, running from 16 days to two years. - [Mezzanine finance](https://emumoney.com.au/guides/a-to-z/mezzanine-finance): Mezzanine finance is a hybrid layer of capital that sits between senior debt and equity, ranking behind the senior lender and often carrying equity-style upside for the financier. - [Middle-ticket lease](https://emumoney.com.au/guides/a-to-z/middle-ticket-lease): A middle-ticket lease is equipment finance for medium-value assets like trucks or medical machines, manually underwritten rather than automated, with a negotiated term and residual. - [Money laundering](https://emumoney.com.au/guides/a-to-z/money-laundering): Money laundering is the process of disguising the origin, movement or ownership of money made from crime so that it appears legitimate and can be used openly. - [Moratorium](https://emumoney.com.au/guides/a-to-z/moratorium): A moratorium is a temporary pause on repayments or on creditor enforcement, agreed with a lender or imposed by law, that gives a borrower or an insolvent company breathing space. - [Mortgage](https://emumoney.com.au/guides/a-to-z/mortgage): A mortgage is the legal charge a lender registers over property to secure a loan, giving it the right to sell the property if you default. - [Multi-financing](https://emumoney.com.au/guides/a-to-z/multi-financing): Multi-financing is the use of two or more finance facilities or lenders to fund business assets, matching each part of a purchase to a suitable finance option. - [NCCP Act](https://emumoney.com.au/guides/a-to-z/nccp): The NCCP Act is Australia's National Consumer Credit Protection Act 2009, the law that licenses credit providers and brokers and sets responsible lending and disclosure rules for consumer credit. - [Near-prime](https://emumoney.com.au/guides/a-to-z/near-prime): Near-prime is the credit-risk band between prime and sub-prime: borrowers whose credit history is mostly positive but carries one or two risk flags that lead lenders to add conditions. - [Negative gearing](https://emumoney.com.au/guides/a-to-z/negative-gearing): Negative gearing is when an investment bought with borrowed money costs more to hold than it earns, and the shortfall is deducted against your other income. - [Negative pledge](https://emumoney.com.au/guides/a-to-z/negative-pledge): A negative pledge is a promise in a loan contract not to give any other lender security over your assets without the first lender's consent. - [Nominal rate](https://emumoney.com.au/guides/a-to-z/nominal-rate): A nominal rate is the headline annual interest rate a lender quotes before compounding within the year is taken into account, unlike the effective annual rate. - [Non-performing loan (NPL)](https://emumoney.com.au/guides/a-to-z/non-performing-loan): A non-performing loan (NPL) is a loan where the borrower is not meeting payments and the lender judges full repayment doubtful, commonly once payments are 90 days past due. - [Non-permanent resident borrowing](https://emumoney.com.au/guides/a-to-z/non-permanent-resident-borrowing): Non-permanent resident borrowing is lending to people on temporary Australian visas, where the home loan, car or business finance is assessed against visa term and work rights. - [Non-recourse funding](https://emumoney.com.au/guides/a-to-z/non-recourse-funding): Non-recourse funding is finance where the lender's recovery on default is limited to the secured asset or project and its cash flows, not the borrower's wider assets. - [Non-resident home loan](https://emumoney.com.au/guides/a-to-z/non-resident-home-loan): A non-resident home loan is an Australian mortgage for a borrower living overseas, whether an expat, a temporary visa holder abroad or a foreign national. - [Not-for-profit finance](https://emumoney.com.au/guides/a-to-z/not-for-profit-finance): Not-for-profit finance is the set of practices, policies and controls a charity or community organisation uses to raise and manage money, reinvesting any surplus in its mission. - [Novated lease](https://emumoney.com.au/guides/a-to-z/novated-lease): A novated lease is a three-way car lease where your employer takes over the lease payments and deducts them from your salary, mostly before tax, while you work there. - [Novation](https://emumoney.com.au/guides/a-to-z/novation): Novation is a three-party agreement that replaces one party to a contract with another, releasing the outgoing party and passing its rights and obligations to the incoming party. - [OAIC](https://emumoney.com.au/guides/a-to-z/oaic): The OAIC is the Office of the Australian Information Commissioner, Australia's independent privacy regulator, which enforces the Privacy Act, the Australian Privacy Principles and the Notifiable Data Breaches scheme. - [Off-balance-sheet (OBS)](https://emumoney.com.au/guides/a-to-z/off-balance-sheet): Off-balance-sheet (OBS) describes assets, liabilities or obligations a business is exposed to but does not record on its balance sheet, such as guarantees and some leases. - [Off-lease equipment](https://emumoney.com.au/guides/a-to-z/off-lease-equipment): Off-lease equipment is an asset, from laptops to utes and excavators, returned to the lessor at the end of its lease and resold on the secondary market, often refurbished. - [Open banking](https://emumoney.com.au/guides/a-to-z/open-banking): Open banking is the regulated framework under Australia's Consumer Data Right (CDR) that lets you authorise accredited third parties to access specific financial data held by your bank. - [Open-ended lease](https://emumoney.com.au/guides/a-to-z/open-ended-lease): An open-ended lease is a lease where the lessee carries the residual value risk, paying any shortfall if the asset sells for less than its residual at the end. - [Operating lease](https://emumoney.com.au/guides/a-to-z/operating-lease): An operating lease is a lease where you pay to use an asset for a set term and hand it back, with the financier keeping ownership and the resale risk. - [Option to purchase](https://emumoney.com.au/guides/a-to-z/option-to-purchase): An option to purchase is a contractual right, not an obligation, to buy an asset such as land or a leased vehicle at an agreed price. - [Origination](https://emumoney.com.au/guides/a-to-z/origination): Origination is the whole front end of a financed transaction, from finding and qualifying the borrower through application, underwriting and approval to documentation and settlement. - [Overdraft](https://emumoney.com.au/guides/a-to-z/overdraft): An overdraft is a short-term credit facility attached to a transaction account that lets you spend past your available balance up to an agreed limit. - [Pari passu](https://emumoney.com.au/guides/a-to-z/pari-passu): Pari passu is a Latin term meaning on equal footing: two or more lenders rank equally, so they share any recovery in proportion if the borrower defaults. - [Partner visa home loan](https://emumoney.com.au/guides/a-to-z/partner-visa-home-loan): A partner visa home loan is a residential mortgage where at least one borrower holds a partner or spouse visa, assessed on that borrower's immigration status. - [Partnership](https://emumoney.com.au/guides/a-to-z/partnership): A partnership is a business structure in which two or more people or entities carry on a business together with a view to profit, sharing profits, losses and liabilities. - [Payday loan](https://emumoney.com.au/guides/a-to-z/payday-loan): A payday loan is a small, unsecured loan meant to cover an immediate shortfall, usually repaid over a short term timed around your pay cycle. - [Payment frequency](https://emumoney.com.au/guides/a-to-z/payment-frequency): Payment frequency is how often scheduled repayments fall due on a loan, typically weekly, fortnightly or monthly, which affects total interest, loan term and how repayments fit your cashflow. - [Payout](https://emumoney.com.au/guides/a-to-z/payout): A payout is the total amount needed to close a loan or lease on a given date: the balance owing, accrued interest and any break costs or fees. - [Penalty interest](https://emumoney.com.au/guides/a-to-z/penalty-interest): Penalty interest is interest charged on an overdue amount by a revenue office, court or creditor to compensate for late payment and deter delay. - [Perfection (of a security interest)](https://emumoney.com.au/guides/a-to-z/perfection): Perfection (of a security interest) is the step that makes a lender's security effective against other creditors, usually by registering it on the PPSR. - [Personal guarantee](https://emumoney.com.au/guides/a-to-z/personal-guarantee): A personal guarantee is a legally binding promise by an individual, usually a director or business owner, to pay a creditor if the borrowing business or person defaults. - [Personal loan](https://emumoney.com.au/guides/a-to-z/personal-loan): A personal loan is a fixed term loan for personal expenses, repaid in regular instalments over an agreed period, usually principal and interest. - [Personal Property Securities Register (PPSR)](https://emumoney.com.au/guides/a-to-z/ppsr): The Personal Property Securities Register (PPSR) is the national online register where lenders and suppliers record security interests over personal property such as vehicles and plant. - [Plant and machinery](https://emumoney.com.au/guides/a-to-z/plant-and-machinery): Plant and machinery means the tangible assets a business uses to make, move, process or service things, such as excavators, forklifts and CNC machines. - [Politically exposed person (PEP) checks](https://emumoney.com.au/guides/a-to-z/politically-exposed-person-checks): Politically exposed person (PEP) checks are screening steps that flag customers who hold prominent public positions, so a lender can apply extra due diligence under anti-money laundering laws. - [Portfolio](https://emumoney.com.au/guides/a-to-z/portfolio): A portfolio is a grouped set of loans, leases and the assets behind them, held by one lender or lessor and managed together for reporting, risk and performance. - [Prime](https://emumoney.com.au/guides/a-to-z/prime): Prime is the lowest-risk credit tier: borrowers with a clean repayment history, stable income and low debt who receive a lender's best pricing and simplest terms. - [Prime lenders](https://emumoney.com.au/guides/a-to-z/prime-lenders): Prime lenders are lenders whose credit appetite is built around lower-risk borrowers: they apply conservative underwriting and stricter documentation, and offer standardised contracts and generally more favourable pricing. - [Principal](https://emumoney.com.au/guides/a-to-z/principal): Principal is the amount of money you originally borrowed or, on a running loan, the part of that sum you still owe, excluding interest, fees and charges. - [Privacy Act](https://emumoney.com.au/guides/a-to-z/privacy-act): The Privacy Act 1988 is the Australian law that sets out how government agencies and many organisations must collect, use, disclose and correct personal information, including credit reporting data. - [Probability of default (PD)](https://emumoney.com.au/guides/a-to-z/probability-of-default): Probability of default (PD) is an estimate of the chance that a borrower will fail to meet their contractual repayments within a set period, usually one year. - [Product disclosure statement (PDS)](https://emumoney.com.au/guides/a-to-z/product-disclosure-statement): A product disclosure statement (PDS) is the document a product issuer must give a retail customer before they buy a financial product, setting out its features, risks, fees and costs. - [Professional indemnity insurance](https://emumoney.com.au/guides/a-to-z/professional-indemnity-insurance): Professional indemnity insurance is business cover that pays claims arising from professional advice or services that cause a customer financial loss. - [Prudential regulation](https://emumoney.com.au/guides/a-to-z/prudential-regulation): Prudential regulation is APRA's framework of capital and risk rules designed to keep banks, insurers and superannuation funds financially sound, and it shapes how much they lend. - [Pty Ltd company](https://emumoney.com.au/guides/a-to-z/pty-ltd-company): A Pty Ltd company is a private company with its own legal identity that cannot offer shares to the public and limits shareholders' liability to their share capital. - [Public liability insurance](https://emumoney.com.au/guides/a-to-z/public-liability-insurance): Public liability insurance is business cover that pays compensation and legal costs when your work injures a third party or damages their property. - [Purchase price](https://emumoney.com.au/guides/a-to-z/purchase-price): A purchase price is the agreed consideration a buyer pays a seller for an asset, and it forms the base figure for finance, depreciation and tax. - [R&D tax incentive](https://emumoney.com.au/guides/a-to-z/rd-tax-incentive): The R&D tax incentive is a tax offset program, administered by AusIndustry and the ATO, that reduces the net cost of eligible experimental research and development for companies. - [Rate](https://emumoney.com.au/guides/a-to-z/rate): A rate is a ratio or charge expressed against a unit, commonly per year, that measures cost, return or proportion; in finance it usually means an interest rate. - [Ratio analysis](https://emumoney.com.au/guides/a-to-z/ratio-analysis): Ratio analysis is the technique of turning balance sheet, profit and loss and cash flow figures into simple ratios that show a business's liquidity, profitability, efficiency and solvency. - [RBA](https://emumoney.com.au/guides/a-to-z/rba): The RBA (Reserve Bank of Australia) is Australia's central bank: it sets the cash rate that flows through to loan and savings rates, and operates key payment settlement systems. - [Receivables](https://emumoney.com.au/guides/a-to-z/receivables): Receivables are amounts owed to your business, mainly by customers for goods or services supplied on credit, recorded as assets on the balance sheet until they are collected. - [Recourse](https://emumoney.com.au/guides/a-to-z/recourse): Recourse is a lender's or financier's right to pursue the borrower or its guarantors for what is still owed after the security or the underlying receivable falls short. - [Reducing balance depreciation](https://emumoney.com.au/guides/a-to-z/reducing-balance-depreciation): Reducing balance depreciation is a depreciation method that charges a fixed percentage of an asset's written-down value each year, so the deduction starts high and falls over time. - [Refinancing](https://emumoney.com.au/guides/a-to-z/refinancing): Refinancing is replacing an existing loan with a new one, from the same or a different lender, to change the interest rate, term or features, or to release equity. - [Relationship lending](https://emumoney.com.au/guides/a-to-z/relationship-lending): Relationship lending is credit that a lender underwrites and manages using information built up over repeated dealings with the borrower, blending hard data with soft insights from relationship managers. - [Renewal option](https://emumoney.com.au/guides/a-to-z/renewal-option): A renewal option is a clause in a commercial lease that gives the tenant the right to extend the lease for a further term on pre-agreed or determined terms. - [Rentals](https://emumoney.com.au/guides/a-to-z/rentals): Rentals are arrangements to pay for the use of an asset without owning it, and in a lease contract the periodic payments themselves. - [Repossession](https://emumoney.com.au/guides/a-to-z/repossession): Repossession is the enforced recovery of goods that secure a loan, such as a car, ute or machinery, after the borrower has defaulted on the contract. - [Residual risk](https://emumoney.com.au/guides/a-to-z/residual-risk): Residual risk is the exposure that remains after controls have been applied to an inherent risk: the risk an organisation must still accept, transfer or treat further. - [Residual value](https://emumoney.com.au/guides/a-to-z/residual-value): Residual value is the amount a leased car or asset is expected to be worth when the lease ends, set at the start and used to calculate the rentals. - [Residual value guarantee (RVG)](https://emumoney.com.au/guides/a-to-z/residual-value-guarantee): A residual value guarantee (RVG) is a lessee's or third party's promise to pay the lessor any shortfall if a leased asset sells for less than its agreed residual. - [Residual value insurance](https://emumoney.com.au/guides/a-to-z/residual-value-insurance): Residual value insurance (RVI) is a policy that pays an owner, lessor or financier the shortfall when an asset sells below its agreed residual value at lease end. - [Responsible lending obligations](https://emumoney.com.au/guides/a-to-z/responsible-lending-obligations): Responsible lending obligations are duties under the NCCP Act that require lenders and brokers to inquire into and verify a consumer's finances and not provide or suggest unsuitable credit. - [Reverse mortgage](https://emumoney.com.au/guides/a-to-z/reverse-mortgage): A reverse mortgage is a secured loan that lets an older homeowner borrow against the equity in their home, with no regular repayments while they live there. - [Revolving credit](https://emumoney.com.au/guides/a-to-z/revolving-credit): Revolving credit is a form of credit that lets you draw, repay and redraw funds up to a pre-set limit, with minimum monthly repayments. - [Risk weighting](https://emumoney.com.au/guides/a-to-z/risk-weighting): Risk weighting is the method banks use to scale each asset by how risky it is, so riskier lending requires more capital behind it. - [Roll-over](https://emumoney.com.au/guides/a-to-z/roll-over): A roll-over is an automatic renewal clause that extends a fixed-term agreement for a new term unless one party gives notice to end it within the required window. - [Salary sacrifice](https://emumoney.com.au/guides/a-to-z/salary-sacrifice): Salary sacrifice is an agreement with your employer to receive less salary in return for benefits paid from pre-tax pay, such as extra super or a novated lease. - [Sale and leaseback](https://emumoney.com.au/guides/a-to-z/sales-and-leaseback): A sale and leaseback is a finance transaction where a business sells an asset to a lessor and immediately leases it back, releasing cash without losing use of it. - [Sales aid finance](https://emumoney.com.au/guides/a-to-z/sales-aid): Sales aid finance is a vendor's point-of-sale finance program that lets customers pay for a purchase in regular repayments while the lender pays the vendor at settlement. - [Salvage value](https://emumoney.com.au/guides/a-to-z/salvage-value): Salvage value is the informal name for what AASB 116 calls an asset's residual value: what it will fetch at the end of its useful life. - [Sanctions checks](https://emumoney.com.au/guides/a-to-z/sanctions-checks): Sanctions checks are screening steps that test whether a person, company or transaction is subject to government sanctions, such as asset freezes, before a lender deals with them. - [Secured loan](https://emumoney.com.au/guides/a-to-z/secured-loan): A secured loan is a loan backed by an asset the lender can repossess and sell if the borrower defaults, which usually lowers the cost. - [Securitisation](https://emumoney.com.au/guides/a-to-z/securitisation): Securitisation is the process of pooling loans, leases or receivables into a separate vehicle that issues securities to investors, so the originator raises funding and transfers risk. - [Security (collateral)](https://emumoney.com.au/guides/a-to-z/security): Security (collateral) is an asset or legal interest a borrower grants a lender, which the lender can take and sell to recover the debt if the borrower defaults. - [Security deposit](https://emumoney.com.au/guides/a-to-z/security-deposit): A security deposit is an upfront cash contribution a borrower pays towards the purchase price of a financed asset, reducing the amount the lender funds. - [Self-managed super fund (SMSF)](https://emumoney.com.au/guides/a-to-z/self-managed-super-fund): A self-managed super fund (SMSF) is a private superannuation fund of up to six members who run it themselves as trustees, taking on the fund's investment and compliance duties. - [Self-regulation](https://emumoney.com.au/guides/a-to-z/self-regulation): Self-regulation is the practice of an industry setting and enforcing its own conduct standards through voluntary codes rather than legislation; it is how most Australian commercial finance is governed. - [Serviceability](https://emumoney.com.au/guides/a-to-z/serviceability): Serviceability is a lender's test of whether you can afford the repayments on a loan from your income, after living costs, existing debts and a rate buffer. - [Settlement](https://emumoney.com.au/guides/a-to-z/settlement): Settlement is the final stage of a finance deal, where the lender releases funds, security is registered and you take delivery of the asset. - [Shareholder](https://emumoney.com.au/guides/a-to-z/shareholder): A shareholder is a person or entity that owns shares in a company, giving them a share of its profits and value while the directors run the business. - [Shariah finance](https://emumoney.com.au/guides/a-to-z/shariah-finance): Shariah finance is a system of finance based on Islamic law that prohibits interest and requires asset-backed transactions, so returns come from trade, leasing or profit-sharing. - [Short term loan](https://emumoney.com.au/guides/a-to-z/short-term-loan): A short term loan is credit with a relatively small principal and a short repayment horizon, usually twelve months or less. - [Simple interest](https://emumoney.com.au/guides/a-to-z/simple-interest): Simple interest is interest calculated only on the original principal, never on interest already added, which keeps the charge flat across the term. - [Small amount credit contract (SACC)](https://emumoney.com.au/guides/a-to-z/small-amount-credit-contract): A small amount credit contract (SACC) is the statutory label for a small, short-term, unsecured consumer loan from a non-bank lender, typically a payday loan, with capped fees. - [Small and medium-sized enterprises (SMEs)](https://emumoney.com.au/guides/a-to-z/small-and-medium-sized-enterprises): Small and medium-sized enterprises (SMEs) are businesses that fall below size thresholds set by government agencies, regulators and lenders, usually measured by employee headcount or aggregated annual turnover. - [Small-ticket lease](https://emumoney.com.au/guides/a-to-z/small-ticket-lease): A small-ticket lease is an equipment lease for relatively low-value assets, where the lessor keeps legal title and you pay fixed lease payments over an agreed term. - [Soft asset](https://emumoney.com.au/guides/a-to-z/soft-asset): A soft asset is a business asset with limited resale or repossession value, such as a fit-out, IT hardware, office furniture or a software licence. - [Soft costs](https://emumoney.com.au/guides/a-to-z/soft-costs): Soft costs are the indirect expenses of a construction project: professional fees, approvals, finance and marketing costs that support delivery but are not built into the fabric. - [Soft loan](https://emumoney.com.au/guides/a-to-z/soft-loan): A soft loan is a loan on better terms than the market offers, such as a below-market interest rate, a longer term or a repayment grace period. - [Sole trader](https://emumoney.com.au/guides/a-to-z/sole-trader): A sole trader is the simplest Australian business structure: one person owns and runs the business, keeps the profits, and is personally liable for its debts. - [Specialist lenders for temporary residents](https://emumoney.com.au/guides/a-to-z/specialist-lenders-for-temporary-residents): Specialist lenders for temporary residents are non-bank lenders, mortgage managers, credit unions and boutique banks that write home loans major banks decline on visa grounds. - [Spread (finance)](https://emumoney.com.au/guides/a-to-z/spread): A spread is the difference between two related rates or prices, such as a lender's rate and its benchmark, or an asset's buy and sell price. - [Stage payment](https://emumoney.com.au/guides/a-to-z/stage-payment): A stage payment is a pre-agreed instalment of a building contract price, paid when a defined stage of work such as slab or frame is complete. - [Start-up](https://emumoney.com.au/guides/a-to-z/start-up): A start-up is a new business built to find a repeatable, scalable business model under uncertainty, marked by innovation, growth intent and rapid testing rather than steady income. - [Statutory demand](https://emumoney.com.au/guides/a-to-z/statutory-demand): A statutory demand is a formal written demand for a company debt under the Corporations Act that, if ignored, creates a presumption of insolvency and can lead to liquidation. - [Stocking finance](https://emumoney.com.au/guides/a-to-z/stocking-finance): Stocking finance is a short-term facility that funds a dealer's inventory unit by unit: the lender pays the supplier and the dealer repays each advance when that unit sells. - [Straight-line depreciation](https://emumoney.com.au/guides/a-to-z/straight-line-depreciation): Straight-line depreciation is a method that spreads an asset's cost, less its expected salvage value, evenly over its useful life so the same amount is deducted each year. - [Student visa loan eligibility](https://emumoney.com.au/guides/a-to-z/student-visa-loan-eligibility): Student visa loan eligibility is the set of rules deciding whether a student visa holder can borrow from government schemes or private lenders, and on what conditions. - [Sub-broking](https://emumoney.com.au/guides/a-to-z/sub-broking): Sub-broking is a commercial arrangement where an individual or firm without its own licence introduces customers, generates leads or assists with transactions for a licensed broker or licence holder. - [Sub-prime](https://emumoney.com.au/guides/a-to-z/sub-prime): Sub-prime is the credit tier for borrowers and loans that carry materially higher risk than prime, because of a low credit score, unstable income, high debt or past defaults. - [Subordination](https://emumoney.com.au/guides/a-to-z/subordination): Subordination is an agreement that ranks one debt behind another, so the subordinated lender is paid only after the senior lender has been repaid. - [Superannuation](https://emumoney.com.au/guides/a-to-z/superannuation): Superannuation is money set aside during your working life to fund retirement, held in a fund you generally cannot access until you reach preservation age. - [Superannuation guarantee rate](https://emumoney.com.au/guides/a-to-z/superannuation-rate): The superannuation guarantee rate is the percentage of an employee's qualifying earnings that an employer must pay into super, set at 12% for 2026-27. - [Supplier](https://emumoney.com.au/guides/a-to-z/supplier): A supplier is the party that sells the asset being financed, whether a vehicle dealer, equipment distributor, manufacturer or private seller, and is usually paid by the lender at settlement. - [Tax invoice](https://emumoney.com.au/guides/a-to-z/tax-invoice): A tax invoice is a document issued for a taxable sale, normally by the GST-registered seller, recording the sale and the GST payable so the buyer can claim a credit. - [Tax-based leasing](https://emumoney.com.au/guides/a-to-z/tax-based-leasing): Tax-based leasing is an asset finance structure arranged so the lessor keeps tax ownership and claims depreciation, while the lessee uses the asset and deducts lease payments. - [Tax-free threshold](https://emumoney.com.au/guides/a-to-z/tax-free-threshold): The tax-free threshold is the first $18,200 of income an Australian resident for tax purposes can earn in a financial year before income tax applies. - [Technological obsolescence](https://emumoney.com.au/guides/a-to-z/technological-obsolescence): Technological obsolescence is the loss of an asset's usefulness, value or resale market because newer technology, standards or business models have superseded it, even though it may still work. - [Temporary full expensing](https://emumoney.com.au/guides/a-to-z/temporary-full-expensing): Temporary full expensing is a time-limited tax concession that let eligible businesses deduct a qualifying asset's full cost in its first year of use instead of over its effective life. - [Temporary resident mortgage](https://emumoney.com.au/guides/a-to-z/temporary-resident-mortgage): A temporary resident mortgage is a home loan assessed on residency status, for someone living in Australia on a temporary visa rather than as a permanent resident. - [Temporary visa home loan](https://emumoney.com.au/guides/a-to-z/temporary-visa-home-loan): A temporary visa home loan is a mortgage for someone who lives and works in Australia on a non-permanent visa, assessed on visa type and remaining term. - [Term (contract)](https://emumoney.com.au/guides/a-to-z/term): A term is a statement in a contract that creates rights or obligations for the parties, or the period for which the agreement runs. - [Term loan](https://emumoney.com.au/guides/a-to-z/term-loan): A term loan is a lump sum advanced up front and repaid in scheduled instalments of principal and interest over a set term. - [Termination fee](https://emumoney.com.au/guides/a-to-z/termination-fee): A termination fee is a contractual charge for ending an agreement before its agreed end date, or for triggering a contract exit event. - [Third party car insurance](https://emumoney.com.au/guides/a-to-z/third-party-insurance): Third party car insurance is motor cover for damage you cause to other people's vehicles and property, with no cover for your own car beyond a fire and theft add-on. - [Title](https://emumoney.com.au/guides/a-to-z/title): Title is legal ownership of an asset, and the record that proves it, such as a certificate of title for land. - [Total cost of ownership (TCO)](https://emumoney.com.au/guides/a-to-z/total-cost-of-ownership): Total cost of ownership (TCO) is the full cost of buying, financing, running and disposing of an asset over a set period, not just its purchase price. - [Trade-in](https://emumoney.com.au/guides/a-to-z/trade-in): A trade-in is the handover of an owned or financed asset, usually a vehicle or piece of equipment, to a dealer in exchange for credit towards a new purchase. - [Trust](https://emumoney.com.au/guides/a-to-z/trust): A trust is an arrangement in which a trustee holds legal title to assets and manages them for the benefit of beneficiaries under a trust deed. - [Underwriting](https://emumoney.com.au/guides/a-to-z/underwriting): Underwriting is the process a lender or insurer uses to verify an application, assess the risk and decide whether to approve, decline, or approve with conditions and pricing. - [Unfair contract terms](https://emumoney.com.au/guides/a-to-z/unfair-contract-terms): Unfair contract terms are clauses in a standard form contract that significantly favour one party, are not reasonably necessary to protect that party, and would cause detriment. - [Unincorporated business](https://emumoney.com.au/guides/a-to-z/unincorporated-business): An unincorporated business is a business that has no separate legal personality, so its owners contract in their own names and are personally liable for its debts. - [Unregulated agreement](https://emumoney.com.au/guides/a-to-z/unregulated-agreement): An unregulated agreement is a loan or other credit arrangement that sits outside the NCCP Act, usually because the credit is wholly or mainly for business purposes. - [Unsecured loan](https://emumoney.com.au/guides/a-to-z/unsecured-loan): An unsecured loan is credit you borrow without pledging collateral, so the lender relies on your income, credit history and capacity to repay. - [Upgrade](https://emumoney.com.au/guides/a-to-z/upgrade): An upgrade is an agreed change that improves or replaces what a contract delivers, including a move into a newer asset under a lease or hire agreement. - [Useful life](https://emumoney.com.au/guides/a-to-z/useful-life): Useful life is the period an asset is expected to be available for use by a business, and the number of years over which its cost is depreciated. - [Vanilla lease](https://emumoney.com.au/guides/a-to-z/vanilla-lease): A vanilla lease is a plain commercial lease over equipment or business assets, with a fixed term, fixed payments and no bundled services or unusual clauses. - [Variable rate](https://emumoney.com.au/guides/a-to-z/variable-rate): A variable rate is an interest rate that can move up or down over the life of a loan, following the lender's benchmark and its margin. - [Vendor finance](https://emumoney.com.au/guides/a-to-z/vendor-finance): Vendor finance is credit extended by the seller of a business or asset to the buyer, covering part or all of the purchase price and repaid in instalments. - [Visa expiry and loan term restriction](https://emumoney.com.au/guides/a-to-z/visa-expiry-and-loan-term-restriction): Visa expiry and loan term restriction is the lender practice of capping a loan term to visa expiry, or requiring a minimum stretch of visa left at application. - [Visa holder eligibility](https://emumoney.com.au/guides/a-to-z/visa-holder-eligibility): Visa holder eligibility is the assessment of what a person's visa subclass, conditions and status actually allow: work, study, government programs and access to credit. - [Visa status in responsible lending](https://emumoney.com.au/guides/a-to-z/visa-status-in-responsible-lending): Visa status in responsible lending is the immigration evidence a lender must verify, covering work rights, expiry and renewal prospects, before it assesses whether credit is suitable. - [Work visa lending](https://emumoney.com.au/guides/a-to-z/work-visa-lending): Work visa lending is credit offered to people on temporary work visas, from home loans and car finance to personal loans, assessed against visa length and employment. - [Working capital](https://emumoney.com.au/guides/a-to-z/working-capital): Working capital is the difference between a business's current assets and current liabilities: the measure of whether it has enough liquid resources to meet obligations due within 12 months. - [Working capital loan](https://emumoney.com.au/guides/a-to-z/working-capital-loan): A working capital loan is short-term business finance that funds day-to-day operations, such as payroll, stock and supplier bills, rather than long-term capital purchases. - [Write-off](https://emumoney.com.au/guides/a-to-z/write-off): A write-off is an accounting entry that removes an asset or unpaid customer invoice from the books because it no longer has recoverable value, recording the loss against profit. - [Written-down value (WDV)](https://emumoney.com.au/guides/a-to-z/written-down-value): Written-down value (WDV) is a depreciating asset's cost less the depreciation claimed so far, and the base for future deductions and for gains or losses on disposal. - [Yield](https://emumoney.com.au/guides/a-to-z/yield): Yield is the income an asset produces over a year, expressed as a percentage of what it cost or what it is worth today. - [Zero percent finance](https://emumoney.com.au/guides/a-to-z/zero-percent-finance): Zero percent finance is a promotional payment plan that spreads the cost of a purchase with no interest charged during a set promotional period. ## Resources - [A to Z of Finance (glossary)](https://emumoney.com.au/guides/a-to-z): 344 plain-English definitions of Australian finance and lending terms - [News](https://emumoney.com.au/news): Daily economic and finance industry news relevant to Australian borrowers and businesses