Fixed-price construction contracts: Can rising costs change your next loan?
A builder with several fixed-price contracts can face shrinking earnings as delivery costs rise. Reassess current job margins and cash flow before seeking more finance.
6 min read
Business loan declined? What needs to change before you apply again?
An unsuccessful application can reveal what needs attention. Build a plan around the actual reasons, reliable records and evidence of meaningful change.
6 min read
Business partner acquisition finance: When only one owner wants to buy
When one owner wants a separate acquisition, clarify whose money, earnings and assets would support it before discussing a funding structure.
6 min read
A business loan soft credit check: What does it actually tell you?
Understand a soft credit check for business finance. Ask what information is accessed, what is recorded and when a later application enquiry may occur.
6 min read
Commercial Leasing Australia: What to Check Before Signing
commercial leasing Australia explained: operating needs, total occupancy cost, lease term, permitted use, approvals, fit-out, security and exit obligations. Learn what to investigate before committing.
4 min read
Commercial property valuation shortfall: Where will the extra cash come from?
A lower warehouse valuation can change the cash needed to settle. Work through the revised loan, contribution, deadlines and operating reserve with your advisers.
6 min read
Commercial Lease Bank Guarantee: How It Works
commercial lease bank guarantee explained: cash cover, property security, fees, wording, expiry, increases and release. Learn what to investigate before committing.
3 min read
Commercial Lease Due Diligence Checklist for Business Owners
Use this commercial lease due diligence checklist to assess rent, outgoings, fit-out, security, risks and professional-review questions before signing.
3 min read
How the Remaining Lease Term Can Affect Business Acquisition Finance
Lease term business acquisition finance explained: lenders may compare lease security, options and goodwill with the proposed repayment period.
3 min read
Franchise Agreement and Commercial Lease: Why Terms Should Align
Franchise agreement and commercial lease terms should be compared so expiry, renewal, relocation and exit obligations do not create a mismatch.
3 min read
Commercial Lease Business Loan: How the Lease Affects Approval
commercial lease business loan explained: rent burden, remaining term, location, guarantees, fit-out and repayment capacity. Learn what to investigate before committing.
3 min read
Your building contract requires a bank guarantee: Could an insurance bond preserve your cash?
A building contract can require a bank-issued guarantee as security for the client. Learn when an accepted insurer-issued performance bond may preserve working cash.
6 min read
Commercial Lease Make-Good Obligations: Planning for the Future Cost
Commercial lease make good obligations can create a future cash cost. Learn what to document, estimate and plan for before signing or exiting.
3 min read
New franchise site versus existing business finance: What buyers should compare
New franchise site versus existing business finance is a comparison between evidence from an operating business and assumptions about a site that has not yet traded.
8 min read
Buying a mortgage broker trail book in Australia: What to check before you commit
Assess sustainable income, run-off, transferability, compliance and finance before buying a mortgage broker trail book in Australia.
8 min read
Taking Over a Commercial Lease When Buying a Business
taking over a commercial lease when buying a business explained: landlord consent, assignment, rent, options, breaches, fit-out ownership and security. Learn what to investigate before committing.
3 min read
Buying a gym business in Australia: What buyers and lenders should check
A practical guide to assessing memberships, recurring revenue, equipment, staffing, leases, owner dependence and funding when buying an Australian gym.
9 min read
Buying a warehouse for your business: Will you have enough cash left to keep trading?
Before buying your business premises, assess the contribution, purchase costs and cash left for wages, suppliers and existing projects after settlement.
6 min read
Can You Buy a Business With Little Money in Australia? Seven (7) Funding Options to Consider
Limited cash does not always rule out buying a business, but the deal must still be commercially sound. Explore seven possible funding structures, what lenders may assess and the risks to consider before making an offer.
11 min read
Buying a Business With a Commercial Lease: Difficult Terms
Buying a business with a commercial lease requires review of rent, options, permitted use, redevelopment clauses, consent and finance implications.
3 min read