Guides
Guides for running the business, before you need a loan
The encyclopedia explains products; the guides explain the moments that lead to them. New guides are added regularly, researched and written for Australian businesses.
Know the termsCash flowGrowthRiskBuying a businessPlanning
Business Loan Jargon Decoded: Your Letter of Offer
A plain-English walk through a business loan letter of offer: every section, the jargon inside it, and the six clauses worth reading twice before you sign.
30 September 2026
Profitable but No Cash? Why Profit and Cash Flow Differ
Your P&L says profit, your bank account says otherwise. Here's why profit and cash flow differ, the seven usual culprits, and how to close the gap for good.
30 September 2026
The True Cost of Hiring an Employee in Australia (2026)
What a new employee really costs in 2026: wages, 12% super under Payday Super, workers compensation, payroll tax, leave and set-up, plus how to fund the gap.
30 September 2026
Cash Flow After a Cyber Attack: A Small Business Plan
Hit by ransomware, email compromise or payment fraud? A step-by-step plan to report it, protect cash, keep paying staff and suppliers, and fund the recovery.
30 September 2026
Franchise Finance Explained: How to Fund a Franchise
How franchise finance works in Australia: the full cost of buying in, what lenders check, the 14-day disclosure rule and funding structures that work.
30 September 2026
Business Funding Stages: What to Use as You Grow
The funding options that fit each stage of an Australian business, from pre-start to growth, and why the right loan at year one is wrong at year five.
30 September 2026See what your business could qualify for
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