Help Centre
Lenders decide on more than the numbers on an application form. Up-to-date lodgements, clean bank statements, a clear purpose for the funds, the security on offer and your credit history all shape what you can borrow and on what terms.
These guides help you see your business the way a lender will: how borrowing capacity is worked out, what loan-to-value ratio (LVR) means, how to check and correct your credit reports, and how to prepare an application that doesn't stall.
Last reviewed 25 Sept 2026
A default, court judgment or past insolvency doesn't always rule out business finance, but it narrows your options and usually raises the cost. Checking your credit reports and fixing any errors is the first step.
6 min read
Most delays in business lending come from gaps that could have been fixed before applying. A few weeks of preparation can mean a faster answer, more lender choice and fewer surprises.
4 min read
How much your business can borrow depends mainly on what it can afford to repay from cash flow and, for secured loans, the value of the security. Time trading, existing debts, credit history and purpose adjust the number up or down.
5 min read
LVR, or loan-to-value ratio, is the loan amount as a percentage of the value of the property or asset securing it. Lenders use it to decide how much they will lend against security.
5 min read
Getting approved
Having these documents ready speeds up approval and helps you choose the right lender for your level of paperwork.
4 min read
Getting approved
Knowing what a lender checks, and in what order, helps you choose the right lender and prepare an application that gets approved.
7 min read
Loan basics
Low-doc loans let self-employed borrowers and businesses with out-of-date financials borrow using alternative evidence of income. Here is how they work.
5 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.