19 October 2026 · 8 min read
Your overdraft is not costing you 8%
An 8% facility that costs 31% once the fees land, and why that can still be the right product to use. Three questions worth putting to any working capital lender before you sign.
Insights
The arithmetic, shown.
Each article is written the way our reports are written, with the arithmetic shown. If the analysis is useful, the engagement will be more so.
5 October 2026 · 9 min read
Why growing faster makes the cash worse
A business can be profitable on every line and still run dry, and growing quickly is what does it. Where the money actually goes, the two numbers that tell you how long you can keep it up, and what a credit team makes of them.
21 September 2026 · 9 min read
Refinancing business debt: what the numbers show
What actually changes when business debt is refinanced, what it costs to move, and how to read the two positions side by side. We show the positions. We do not tell you to switch.
7 September 2026 · 8 min read
What DSCR do lenders actually want?
The commonly seen range, why the same deal produces three different ratios depending on who calculates it, and what to do when yours lands just under the line.
24 August 2026 · 11 min read
How much can a business actually borrow?
Not what a calculator says, and not a multiple of turnover. A worked walkthrough of how a commercial credit team sizes a facility, from adjusted earnings through the assessment rate to the covenant that actually binds.
15 August 2026 · 11 min read
Financing your next franchise location
The second store is a different lending conversation to the first, and most franchisees walk into it expecting the opposite. What gets funded, what accreditation is worth, why the loan term is capped by your franchise agreement, and what a credit team reads on a multi-unit file.
12 August 2026 · 10 min read
Building wealth by buying businesses in Australia
Buying businesses can build real wealth, and it is not a passive strategy. Where the return actually comes from, how buyers fund the second one, and the honest version of the risks.
8 August 2026 · 9 min read
Expand, or stay the size you are?
Growth is a numbers decision before it is anything else. What a second site, a fleet step-up or a bigger contract actually does to your cash, your covenants and your capacity, and the questions worth answering before you commit.
4 August 2026 · 9 min read
Own or rent your business premises?
Your landlord has offered to sell you the building. The rent stops being an expense and starts being debt service, and your borrowing capacity moves in two directions at once. How to work out whether it helps.
30 July 2026 · 10 min read
Leaving corporate to buy a business: what nobody tells you first
You can run a P&L, manage a team and read a board pack. None of that is the skill that decides whether you buy well. What the transition actually demands, and the four things that catch corporate buyers out.
27 July 2026 · 7 min read
How much does due diligence cost in Australia?
What financial due diligence on an Australian business acquisition actually costs, what moves the number, and how to read a quote. We refer this work out, so the ranges here are the market rather than a price list.
27 July 2026 · 9 min read
Is buying a business worth it?
Sometimes. Buying an established business is worth it when the earnings are real, the price is built on tested numbers and the structure protects you. An honest look at both sides of the decision, with the arithmetic.
26 July 2026 · 8 min read
What financial due diligence on a small business acquisition actually involves
Not a folder review and not an audit. It is a rebuild of the earnings picture from source documents. Here is what gets reconciled, what gets tested, and what a real engagement finds.
26 July 2026 · 9 min read
Add-backs: which ones are real and which ones are not
Every small-business sale price is built on adjusted earnings, and adjusted earnings are built on add-backs. A worked schedule showing which claims survive scrutiny and which quietly inflate the price.
26 July 2026 · 9 min read
How to get a loan to buy a business in Australia
What lenders actually assess, the documents that decide the outcome, why good deals get declined, and how to walk in with a case a credit team can approve.
26 July 2026 · 8 min read
How to write a business plan for a bank loan
Banks do not read business plans the way investors do. Here is what a credit assessor actually looks for, section by section, and the mistakes that get plans set aside.
26 July 2026 · 8 min read
How to prepare a cash flow forecast for a bank
The 12-month cashflow forecast is the first thing a credit assessor opens. What it needs to contain, how to make the assumptions defensible, and the traps that sink credibility.
Hit a term you do not know? The glossary explains every one of them the way a credit team uses it.
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