Finance by purpose

Business Funding by Purpose

Start from what the money is for (buying a business, a fit-out, stock, payroll, a tax bill) and see which kinds of finance usually fit best.

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Buying & growing 8

Buying a business

Finance for buying a business: how lenders treat goodwill, what to budget beyond the price, how to size the loan, and a worked example of a purchase.

Buying a franchise

Funding a franchise purchase: what the disclosure document tells a lender, new site vs resale, the costs beyond the fee, and a worked new-site example.

Opening a second location

Second location finance explained: why lenders judge your first site, the ramp-up cost owners underestimate, how to size the loan, and a two-shop example.

Expanding into new markets

Finance for expanding into new markets: how interstate and export growth are funded differently, why EMDG grants need cash up front, and how to size the loan.

Hiring staff

Finance for hiring staff: what a new employee really costs, how Payday Super changed the cash flow from July 2026, and how to size a loan for the ramp-up.

Marketing and advertising

Marketing finance for Australian businesses: why lenders treat ad spend differently, when borrowing to advertise pays off, and how to match the loan to payback.

Building an online store

Finance for building an online store: why the website is the cheap part, how platform loans and sales-linked finance work, plus a launch-to-scale example.

Research and development

R&D finance for Australian companies: how to bridge the wait for your R&D tax refund, what lenders will and won't fund, and a worked example.

Buying commercial property

Finance for buying commercial property in Australia: the full cash budget, which entity should hold the title, how lenders size the loan, and a worked purchase.

Property development

Property development finance stage by stage: buying the site, the pre-approval costs lenders avoid, construction draws, GST at settlement and unsold stock.

Settlement shortfalls

Settlement shortfall finance: where gaps come from (low valuations, GST, 15% withholding), how to size yours from the paperwork, and options that fund in days.

A deposit on business property

How to fund a deposit on business property: why commercial lenders leave a bigger gap, the GST cash most buyers miss, and a warehouse purchase worked through.

Bridging until a property sells

Need business cash before a property settles? How lenders treat sold vs listed property, the withholding trap that shrinks proceeds, and a worked example.

Covering a cash flow gap

Cash flow gap finance for Australian businesses: measure the gap in days and dollars, match it to the right facility, and avoid borrowing for a profit problem.

Emergency repairs

Emergency repair finance for Australian businesses: put a dollar figure on downtime, choose between repairing and replacing, and find funds that move in days.

Insurance premiums

Financing business insurance premiums: why renewals cost more than the quote, premium funding versus other finance, the 30 June angle, and a fleet example.

Paying BAS and GST

Short on cash for your BAS? Compare ATO payment plans, overdrafts and business loans for GST bills, and why ATO interest now costs more after tax.

Working capital

Working capital finance for Australian businesses: split core from swing needs, size the facility in days, and match it to a line, invoice finance or term loan.

Seasonal stock

How to finance seasonal stock: match the term to your sell-through, plan for Black Friday pulling sales forward, and size the buy without overstocking.

Stock and inventory

Funding stock and inventory: why lenders advance less on stock than invoices, how supplier PPSR rights affect you, and when a bulk-buy discount pays off.

Funding a large order

Won an order bigger than your bank balance? How to fund materials, labour and the wait for payment, split into before-delivery and after-invoice finance.

Paying suppliers

Behind on supplier bills, or offered a discount to pay early? Compare ways to fund supplier payments, what a stop-supply really costs, and when to borrow.

Paying staff wages

Finance for paying staff wages: what a pay run really costs since Payday Super, which facilities suit a one-off gap or a recurring one, and a weekly pay example

Paying superannuation

Finance for paying super after Payday Super: why the quarterly float vanished, what the new super guarantee charge adds, and how owners fund the one-off gap.

Paying a tax bill

Finance for paying a tax bill: ATO payment plan vs business loan, why ATO interest stopped being deductible, the credit card cutoff, and a worked comparison.

Buying machinery

Machinery finance explained: which loans fit a press, loader or production line, why resale value drives approval, and the deposit gap on imported machines.

Office fit-outs

Office fit-out finance explained: splitting loose and fixed items, what a landlord contribution really costs, the make-good trap and a worked example.

Commercial kitchen fit-outs

Commercial kitchen fit-out finance: what to fund with equipment finance, the exhaust and grease trap costs that blow budgets, and a bistro worked example.

Technology upgrades

Finance for technology upgrades: why software and setup labour need different funding to hardware, how to match terms to device life, and a costed example.

Renovating business premises

How to finance renovating business premises, whether you own or lease: equity options, progress draws, the hidden compliance costs and a showroom example.

Solar and energy upgrades

Business solar finance: how STC discounts cut the loan, why a battery's install date changes its subsidy, green asset finance options, and a costed example.

Buying equipment

Finance for buying equipment: a payback test before you borrow, how ownership affects tax, why lenders prefer some assets, and a CNC router worked example.

Buying vehicles

Finance for buying business vehicles in 2026–27: the tax limits that differ for cars and utes, sizing a balloon against resale, and a three-van fleet example.

Buying trucks

Finance for buying trucks: start from the contract, what Euro VI rules mean for used prices, the on-road costs lenders expect covered, and a tipper example.

Shop fit-outs

Shop fit-out finance explained: which parts equipment finance will cover, why the loan should never outlast your lease, and how to budget for make-good.

Succession and exit planning

Succession finance explained: how a family member or manager funds the buy-in, where vendor finance fits, and why your guarantees don't end when you retire.

Consolidating business debt

Consolidating business debt starts with a debt list, not a loan: which debts to roll in, which to leave, why ATO interest now costs more, plus a worked example.

Refinancing a business loan

Refinancing a business loan: the five triggers that make it worth doing, the switching costs to price in, what the Banking Code says on notice, plus an example.

Paying out a merchant cash advance

Paying out a merchant cash advance? Why it rarely saves dollars unless there's a discount, when it's still worth doing, and how to stop the split cleanly.

Legal costs or a settlement

How businesses fund legal bills and settlement payments: why a lump sum can buy a better deal, the deed clauses that make deadlines bite, and a worked example.

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