Guides
Guides for every industry
Researched, plain-English guides on the things that shape a business loan whatever you do — and honest about what lenders look at. New guides are added regularly.
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ANZSIC Codes and Business Loans: Why Your Label Matters
How lenders use your industry classification when you apply for a business loan, why a vague label can slow things down, and how to describe your business well.
1 October 2026
ATO Small Business Benchmarks: What a Lender Sees
How the ATO's industry benchmarks work, what they reveal about your costs, and how to use them to explain your numbers before a lender asks.
1 October 2026
Licences Lenders Check Before They Fund a Business
Which trade, health, liquor, excise and professional licences lenders look for before funding a business, why they matter, and how to have them ready.
1 October 2026
Specialised Equipment and Business Loans: Resale Value
Why lenders treat a ute, a brewery tank and a dental scanner so differently, how resale value affects security, and how to fund specialised equipment well.
1 October 2026
Medicare, NDIS, PBS and CCS Income: How Lenders See It
How lenders treat government-funded revenue from Medicare, the NDIS, the PBS, the Child Care Subsidy and aged care programs — and the timing gap it creates.
1 October 2026
Business Loan When Your Industry Is Doing It Tough
How lenders react when a whole industry is under pressure, which signs they watch, and how to show your business is stronger than the headlines.
1 October 2026See what your business could qualify for
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