Business finance
Working capital, equipment, cash flow and business lending.
256 articles · page 3 of 11
Business finance
Safely Unwinding Cross‑Collateralised Home And Business Loans
A practical, step‑by‑step guide for Australian business owners to unwind cross‑collateralised home and business loans, reduce risk to the family home, and restructure across one or more banks without triggering avoidable costs or defaults.
Business finance
Protect your home with a smart multi‑bank lending strategy
How small‑business owners who own property can use multiple banks to reduce cross‑collateralisation risk, protect the family home and still access working capital and term debt.
Business finance
Where To Hold Your Business Premises: SMSF, Property Company or Trust?
A practical guide for Australian business owners weighing up whether to hold their business premises in an SMSF, a property company or a trust – with focus on tax, risk, borrowing and exit planning.
Business finance
How Business Owners Can Balance Tax, Asset Protection and Borrowing
A practical guide for Australian business owners to juggle tax savings, asset protection and borrowing capacity when they own both property and a business.
Business finance
Personal Guarantees On Trade Credit, Leases and Fit‑Outs: What To Fix This Week
A punchy guide to personal guarantees on trade accounts, equipment leases and fit‑out finance, and how to reduce the risk to your home and personal assets this week.
Business finance
How Business Owners Should Pay Themselves For Strong Home Loan Approval
A practical guide for Australian business owners on how to pay yourself in a way banks understand, so your next home or investment loan is easier to approve.
Business finance
Stop Spooking Lenders: Clean Up Mixed Business–Personal Accounts Fast
Mixed business–personal bank accounts are one of the fastest ways to spook a lender. Learn the specific red flags they look for, how they read your statements, and what you can fix in the next 1–12 weeks to protect your borrowing power.
Business finance
Set Up Company and Trust Cashflow So Your Home Loan Stays Clean
How to structure company and trust cashflow so lenders see clean, stable income and your home loan stays insulated from business risk.
Business finance
Getting a Home Loan When You Owe the ATO: What Really Matters
You can often get a home loan even if you owe the ATO, but only when the debt is disclosed, under control and your cash flow still passes lender stress tests. This guide shows small‑business owners the real rules, what to fix first and when to apply.
Business finance
Make BAS, GST and PAYG Work Without Breaking Your Mortgage
How to plan BAS, GST and PAYG instalments so ATO payments don’t blow up your home loan, refinancing plans or borrowing power — especially if you’re self‑employed or run a small business.
Business finance
How Longer Business Loan Terms Can Protect Your Next Home Loan
Extending business loan terms can cut repayments, smooth cash flow and materially improve home loan serviceability — but only if you avoid stretching short‑life assets over too long and keep business debt clearly separated from your mortgage plans.
Business finance
Turning Messy Overdrafts Into Borrowing Power Before Your Home Loan
Most business owners wait too long to tame overdrafts and working capital before a home loan. Done right 3–12 months out, small restructures can lift borrowing power, reduce stress‑test risk and protect your business and home.
Business finance
How Banks Stress-Test Business Owners’ Home Loans In Australia
A practical guide to how Australian lenders stress‑test combined business and home loans, and what self‑employed borrowers can fix this month to protect approval and avoid mortgage stress.
Business finance
How To Keep Business And Home Debt Separate Without Killing Borrowing Power
A decision‑grade guide for Australian business owners on separating business and home debt, avoiding cross‑collateralisation, and protecting the family home without unnecessarily shrinking borrowing power.
Business finance
Should You Roll Business Loans Into Your Home Mortgage?
Thinking about rolling business loans or an overdraft into your home mortgage? Here’s a decision‑grade guide on costs, risks, tax and bank views so you can act confidently this week.
Business finance
How Messy Small‑Business Cashflow Became Real Borrowing Power
Detailed Australian case studies showing how messy small‑business cashflow can be turned into safe borrowing power for home loans, refinances and investment without wrecking the business.
Business finance
Choosing Between Bank Statement and BAS‑Based Home Loans
Self‑employed and small‑business owners often choose between bank‑statement and BAS‑based home loans. This guide shows how each works, who they suit, and how to decide quickly without putting your home or business at risk.
Business finance
Make Your Business Bank Accounts Work For Your Home Loan
A practical guide for Australian business owners to structure business and personal bank accounts so lenders can clearly see real income, improve borrowing power and protect the family home.
Business finance
Structuring Your Business Income So Banks Will Actually Lend You More
A practical guide for Australian business owners on how to pay yourself, structure entities and clean up income so banks will comfortably lend you more — without blowing up your tax or risking the family home.
Business finance
Using Eastern Suburbs Home Equity Safely For Business And Investing
A decision-grade guide for Eastern Suburbs owners on using home equity for business or investment without putting the family home unnecessarily on the line.
Business finance
Simple Ways To Track Geared Property Cashflow With Spreadsheets
How to track geared property cashflow in Australia using a simple spreadsheet or basic tools so you can see rent, costs, tax and buffers clearly – without being an accountant.
Renting in Alexandria vs Buying Nearby: 2026 Cashflow…
Business finance
Renting in Alexandria vs Buying Nearby: 2026 Cashflow Reality Check
A hard-numbers guide to renting in Alexandria vs buying nearby in 2026. See cashflow, borrowing power and rentvesting trade‑offs so you can choose a strategy you can actually afford this year.
Business finance
Quietly de‑risk your geared portfolio with surplus cashflow
How to turn surplus cashflow, bonuses and lumpy income into a quiet, low‑stress de‑gearing plan – without blowing your tax efficiency or starving your business of working capital.
Business finance
Real‑World Gearing Case Studies For Business Owners: Wins And Wipe‑Outs
Four detailed Australian case studies of business owners using gearing well – and badly. See how buffers, loan structure and tax planning made the difference between wealth building and forced sales, and what you can change in your own setup this week.