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Business Loan Types Explained

Unsecured, secured, caveat, second mortgage, invoice, equipment, line of credit and more. What each one is, who it suits and what lenders look at.

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Property-secured 11

Caveat loans

How caveat loans work for Australian businesses: what a caveat is, when they beat a second mortgage, what lenders check, and how fast funds can land.

Secured business loans

Secured business loans in Australia: which assets lenders accept, why an 'all monies' clause matters, and how security changes the amount, cost and speed.

First mortgage loans

First mortgage business loans explained: when owning property outright is your biggest advantage, what refinancing really costs, and how lenders size the loan.

Second mortgage loans

Second mortgage business loans: how combined LVR sets the limit, whether your first lender must agree, and why its redraw can shrink what you get.

Bridging finance

Bridging finance for business explained: how peak debt and end debt work, open vs closed bridges, and the 31 December land tax date that can cost a year's bill.

Commercial property loans

Commercial property loans in Australia: how owner-occupier and investor deals are assessed, the GST cash needed at settlement, and Victoria's new tax.

Construction & development finance

Construction and development finance explained: how lenders size a project on cost and end value, how progress draws work, and the costs that sink thin margins.

Residual stock loans

Residual stock loans repay a construction facility when finished units won't sell in time. How lenders value the stock, and the tax dates that bite.

Land loans

Land loans for business explained: why lenders lend less on vacant land, how zoning changes the answer, and the Victorian land taxes now hitting idle sites.

SMSF commercial property loans

SMSF commercial property loans explained after 10 August 2026: why new borrowing must now be for business real property, how LRBAs work and what lenders want.

Home equity business loans

Home equity business loans compared: top-ups, splits, second mortgages and caveats, the tax rule that hinges on how funds are used, and what to check first.

Unsecured business loans

Unsecured business loans explained: how lenders size them on turnover, why a personal guarantee still applies, and the $150k line where security can appear.

Small business loans

Small business loans in Australia compared: bank, online and asset-backed options, the trading and turnover minimums lenders publish, and how to size it.

Short-term business loans

Short-term business loans explained: how daily and weekly repayments work, why early payout may not save you much, and when the ATO is now the dearer lender.

Business term loans

Business term loans explained: how to match the term to what you're funding, what lenders check, and the bank protections a non-bank contract may not include.

Fast business loans

Fast business loans in Australia: realistic timeframes by loan type, the five stages that eat the hours, and the paperwork fixes that save a day or more.

Working capital loans

Working capital loans explained: work out how much cash your trading cycle ties up, why growth makes it worse, and which facility fits the gap best.

Cash flow finance

Cash flow finance explained: the products in the family, how lenders strip bank statements down to 'clean' revenue, and honest ways to read stronger.

Merchant cash advance

Merchant cash advances explained: how the daily percentage and fixed fee work, why fast repayment can cost you more, and the minimum-payment clauses to check.

Revenue-based finance

Revenue-based finance for Australian online businesses: how the flat fee and revenue share work, payback maths on ad spend, and when equity costs more.

Startup business loans

Startup business loans in Australia: why lenders want trading history, four routes that work before you have it, and what a new ABN can really borrow.

Low doc business loans

Low doc business loans explained: which papers stand in for tax returns, why your GST status can sink an application, and the declaration lenders now probe.

No doc business loans

No doc business loans explained: the short list of papers you still need, why equity and an exit plan replace financials, and when this route makes sense.

Secured line of credit

How a secured business line of credit works in Australia: why the limit is set by property equity, what the line fee costs, and the review clause to read first.

Business line of credit

How a business line of credit works in Australia: what you pay on an unused limit, how lenders set it, and when a line beats a lump-sum loan for cash flow.

Business overdraft

Business overdrafts explained: how the limit works, why banks often want property behind it, the 'hardcore' trap, and what to do if a limit is cut.

Business credit cards

Business credit cards in Australia: how interest-free days really work, what fees add up to, the October 2026 surcharge change, and when a card is wrong.

Invoice finance

Invoice finance explained: how much of each invoice you can draw, factoring vs discounting vs single-invoice funding, real costs, and who qualifies.

Debtor finance

Debtor finance explained for Australian B2B businesses: how the funding line is calculated, which invoices don't count, what it costs and when it beats a loan.

Invoice factoring

Invoice factoring explained: what your customers see, recourse vs non-recourse, the fees that add up and which Australian businesses it actually suits.

Invoice discounting

Invoice discounting lets you borrow against unpaid invoices while customers never know. Here's what you report, what lenders check and what it costs.

Supply chain finance

Supply chain finance explained for Australian suppliers: how a buyer's early payment program works, what the discount really costs, and when to say no.

Trade finance

Trade finance explained: supplier payment facilities, letters of credit and guarantees, how the 60 to 180 day cycle works and what it really costs.

Import finance

Import finance for Australian businesses: funding supplier deposits, freight, duty and border GST, plus the ATO scheme that can keep GST out of your cash cycle.

Progress payment finance

Progress payment and contract finance for Australian builders and subbies: funding mobilisation and claims, handling retentions, and what lenders check.

Export finance

Export finance for Australian businesses: pre-shipment and post-shipment funding, Export Finance Australia's small business loan and bonds, and lender checks.

Operating lease

How an operating lease works for Australian businesses: what you pay for, end-of-term charges, GST and tax, and why the cheapest rental isn't always cheapest.

Hire purchase

Business hire purchase explained: when ownership passes, how GST credits now work, how it compares with a chattel mortgage, and who still chooses it in 2026.

Commercial vehicle finance

Finance a work ute, van or light truck: the one-tonne rule that changes your tax position, funding the fit-out with the vehicle, and what lenders check.

Truck finance

Truck finance for owner-drivers and fleets: what lenders check on the driver, the truck and the contracts, plus a fuel tax credit change to budget for.

Business car loans

Business car loans explained for 2026–27: the $69,883 car limit, the GST cap, luxury car tax, EV FBT changes and which finance structure suits your setup.

Sale and leaseback

How sale and leaseback works for Australian businesses: which assets qualify, how much cash it really releases, the tax catch on the sale, and alternatives.

Equipment finance

Equipment finance explained for Australian businesses: how the gear itself secures the loan, which structure fits, what lenders check, and the 2026 tax changes.

Asset finance

Asset finance for Australian businesses: buying vehicles and plant, unlocking cash from gear you own, and picking between bank, captive and non-bank funders.

Chattel mortgage

How a chattel mortgage works in Australia: owning the asset from day one, claiming GST on your next BAS, the 2026–27 car limit and when a balloon makes sense.

Finance lease

How a finance lease works for Australian businesses: who owns the asset, ATO residual minimums for vehicles, GST on each payment and your options at term end.

Business finance overview

Business finance in Australia explained: debt vs equity, banks vs non-banks, and the one question that narrows a dozen loan types down to two or three.

Non-bank business loans

Non-bank business loans explained: where non-bank lenders get their money, the four main types, what they check, and why their appetite moves with markets.

Private business loans

Private business loans explained: where private lenders' money comes from, why property and the exit matter more than credit, and the questions to ask first.

Franchise finance

Franchise finance in Australia: why bank-accredited brands get easier loans, how the term ties to your agreement, and what to read in the disclosure pack first.

Business acquisition loans

Business acquisition loans in Australia: how lenders test the target's real profit, why goodwill needs extra security, and how vendor finance closes the gap.

Insurance premium funding

Insurance premium funding explained: how a funder pays your insurer, what it costs in dollars, and the cancellation clause every business should read first.

Mezzanine finance

Mezzanine finance for Australian developers and buyers: where it sits in the capital stack, what the intercreditor deed controls, and what it really costs.

Vendor finance

Vendor finance for Australian business purchases: how a seller loan works beside a bank loan, what security sellers take, and the tax timing catch for vendors.

Peer-to-peer loans

Peer-to-peer business loans in Australia: how marketplace lending works, why many platforms changed model by 2026, and what borrowers should ask before signing.

Green business loans

Green business loans for solar, batteries, EVs and efficient equipment: how CEFC-backed discounts reach small business and how to test the payback.

Tax debt loans

Tax debt loans explained: when borrowing to clear an ATO debt beats a payment plan, what lenders check, and why the July 2025 interest change shifted the maths.

Debt consolidation

Business debt consolidation loans: when merging online loans, cash advances and ATO debt saves money, the payout traps to check, and how lenders assess you.

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