Articles & Resources
Expert guidance on business finance, lending, tax debt, and property — written to help you make better decisions.
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12 min read
Director Penalty Notices Explained: What Every Company Director Needs to Know
A Director Penalty Notice (DPN) transfers a company’s unpaid tax debt directly onto the director’s…
13 min read
Tax Deductibility of Interest: ATO Debt vs. Business Loans
From 1 July 2025, the general interest charge (GIC) and shortfall interest charge (SIC) the ATO…
12 min read
Loans to Clear an ATO Garnishee Notice
Key Takeaways An ATO garnishee notice allows the ATO to recover tax debt directly from your bank…
15 min read
How to Refinance Out of a Second Mortgage Business Loan
Key Takeaways Refinancing is the most common way to exit a second mortgage because it replaces…
11 min read
What is the Superannuation Guarantee Charge and How Does It Become a Debt?
Key Takeaways The Superannuation Guarantee Charge, or SGC, applies when super is unpaid, underpaid,…
14 min read
Asset Based Lending vs Unsecured Business Loans: Which Should You Choose?
Key Takeaways Asset based lending uses business or personal assets as security, while unsecured…
11 min read
What Is an Equipment Line of Credit and How Does It Work?
Key Takeaways An equipment line of credit gives your business access to a pre approved funding…
16 min read
What Happens When Your ATO Payment Plan Gets Cancelled?
Key Takeaways An ATO payment plan can be cancelled after missed payments, unpaid lodgements, or new…
14 min read
What Is the Difference Between GIC and SIC?
Key Takeaways GIC applies to unpaid tax debts, while SIC applies to tax shortfalls before an…
14 min read
Can’t Afford to Pay Your BAS? Why You Should Still Lodge On Time
Key Takeaways The ATO advises you should lodge your BAS by the due date even if you cannot pay the…
16 min read
What Happens if You Can’t Repay Your Business Line of Credit?
Key Takeaways Missing repayments on a business line of credit does not result in immediate legal…
12 min read
What Happens When Your Business Grows Faster Than Your Cash Flow?
Key Takeaways Winning more customers does not always automatically improve your cash position.…
11 min read
How to Choose the Right Business Line of Credit Provider
Key Takeaways The line of credit with the lowest rate is not always the best option. You need to…
13 min read
How Do 30, 60, and 90 Day Payment Terms Affect Your Cash Flow?
Key Takeaways Payment terms directly influence how much working capital your business has available…
12 min read
Using Property Equity to Fund Business Growth in Australia
Key Takeaways Property is one of the strongest forms of security available, allowing businesses to…
13 min read
How to Manage Seasonal Cash Flow in Your Business
Key Takeaways Seasonal businesses often generate enough annual revenue to be profitable, but uneven…
13 min read
Can You Get an Asset Based Loan with Bad Credit?
Key Takeaways Bad credit does not automatically prevent you from qualifying for an asset based…
11 min read
Finance Lease vs Hire Purchase: What’s the Difference?
Key Takeaways A finance lease allows you to use equipment while the lender retains ownership…
9 min read
Documents You’ll Need for Equipment Finance in Australia
Key Takeaways The documents needed for equipment finance depend largely on the loan amount and the…
8 min read
No Doc Equipment Finance: How to Get Equipment Funding Without Financials
Key Takeaways No doc equipment finance allows eligible businesses to purchase equipment without…
10 min read
How Debt Consolidation Can Help with Tax Debt
Key Takeaways Debt consolidation tax debt solutions allow business owners to combine ATO debt and…
10 min read
What Is an Operating Lease and When Does It Make Sense?
Key Takeaways An operating lease allows your business to use equipment for a fixed period without…
9 min read
How Does a Balloon Payment Work on Equipment Finance?
Key Takeaways A balloon payment is a lump sum that remains payable at the end of an equipment…
10 min read
What Is a Garnishee Notice from the ATO and What Can You Do?
Key Takeaways An ATO garnishee notice allows the Australian Taxation Office to recover unpaid tax…