Guides
Guides for getting a hard file funded
Step-by-step help with the jobs that decide difficult applications, written for Australian businesses and updated regularly.
After a declineShort-term debtPreparing your fileProperty security
Declined for a Business Loan? A 30-Day Recovery Plan
Turn a business loan decline into a funded plan in 30 days: what to do each week, the documents to gather, how to pick one route and the mistakes to avoid.
3 October 2026
Merchant Cash Advance Cost: Work Out What You Really Pay
Merchant cash advances quote a total, not a rate. How to work out the real cost in dollars and days, compare it with a loan and decide whether to refinance.
3 October 2026
Business Loan Proposal for a Messy File: One-Page Template
A short, honest proposal can carry a difficult business loan application. What to include, how to explain problems without spin, and a one-page template.
3 October 2026
Accountant's Letter for a Business Loan: What to Include
An accountant's letter can carry a difficult business loan file. What lenders want it to confirm, what accountants won't say, and a checklist to brief yours.
3 October 2026
Low Valuation on a Business Loan? Five Ways Forward
A low valuation can shrink or stall a property-secured business loan. Why it happens, how to respond and five practical ways to keep the deal alive.
3 October 2026
Books Behind? Business Loan Documents That Can Fill the Gap
Tax returns late and accounts unfinished? Which documents specialist lenders accept instead, how to prepare each one and how to catch up meanwhile.
3 October 2026Find the route that fits your file
Tell us what's in the way. No credit check to ask, no mailout to a crowd of lenders, and a specialist who calls with a plan and an exit.
No credit check to enquire
One matched lender, not a mailout
A real person on your file