Help Centre
Business finance comes in many forms, and the right one depends on what you are funding, how long you need the money and what security you can offer. Invoice finance turns unpaid invoices into cash. Trade finance funds stock and imports. Equipment finance is secured by the asset. Property-backed lending uses real estate as security.
These guides explain how each type works, how repayments are structured and what lenders look at, without quoting rates. When you're ready to compare, each guide links to the matching category, where you can see products from lenders whose details we have verified.
Last reviewed 25 Sept 2026
You can often use residential or commercial property as security for a business loan, which can open up larger amounts and longer terms. The trade-off is that the property is at risk if the business can't repay.
6 min read
Your repayments depend on how often you pay, how the loan is structured and whether the rate is fixed or variable. Understanding each one helps you choose a loan your cash flow can carry and compare the total cost.
6 min read
Equipment finance spreads the cost of a business asset over time, with the asset itself usually acting as security. The structure you choose affects who owns the asset, how GST is claimed and what you owe at the end.
7 min read
Cashflow finance is business lending assessed mainly on the money flowing through your business rather than on property or other assets. It can be quicker to arrange, but it usually costs more and often has frequent repayments.
5 min read
Invoice finance lets a business borrow against invoices it has issued to other businesses, so it gets most of the cash now instead of waiting for customers to pay. The rest, less fees, arrives when the customer pays.
6 min read
Trade finance is short-term funding tied to buying or selling goods. It pays your supplier now and gives you time to repay once the goods are sold, or helps exporters fund orders and manage the risk of overseas payment.
6 min read
Loan basics
Security changes how much you can borrow, what it costs and how fast you can be funded. Here is how secured and unsecured business loans compare.
6 min read
Cash flow
A term loan suits a single, known expense. A line of credit suits recurring or unpredictable needs. Here is how to decide.
5 min read
Cash flow
Invoice finance, debtor finance and factoring all unlock cash tied up in unpaid invoices. The differences are in control, confidentiality and scope.
6 min read
Specialist finance
Short-term property-secured loans can settle in days when timing matters. The key is a clear, realistic exit.
6 min read
Getting approved
Two businesses can look identical on paper and still get very different answers from the same lender. Here is why, and what it means for how you compare business finance.
7 min read
Tell us about your business once. We will look at your whole situation and match you with lenders likely to approve and fund it.