Guides
Guides that answer the real questions
New guides every week — researched, written for Australian businesses, and honest about what lenders look at.
Private lendingSettlementCostsExit strategyDevelopers
What Is a Caveat on a Property Title? (Australia)
What a caveat on title means in every Australian state and territory: who can lodge one, the main types, what it blocks, and how a lender's caveat works.
11 October 2026
How to Remove a Caveat: Every Route, State by State
Withdrawal, payout at settlement, lapsing notices, court orders and registrar removal: how to get a caveat off a title in each Australian state and territory.
11 October 2026
Is Business Loan Interest Tax Deductible? (2026)
When interest on a property-secured business loan is deductible, why use of funds beats the security, and how loan fees and prepaid interest are treated.
11 October 2026
What Happens If You Can't Repay a Private Loan?
Missed the repayment date on a private mortgage or caveat loan? The stages from default to mortgagee sale, what each costs, and the off-ramps that still work.
11 October 2026
Private Credit in Australia (2026 Guide)
A plain-English summary of ASIC's private credit work from REP 814 to its 2026 warnings, the RBA's view, and what it all means for business borrowers.
11 October 2026 Types of Business Loans in Australia (2026 Guide)
Term loans, overdrafts, lines of credit, equipment and invoice finance, private mortgages and caveat loans: what each is for and which suits your need.
11 October 2026
Why Banks Decline Business Loans (and What to Do Next)
Serviceability, security, credit history, ATO debt, trading history and policy: the real reasons banks say no to small businesses, and how to fix each one.
11 October 2026
ATO Debt on Your Credit File: Reporting Rules (2026)
The ATO can report business tax debts over $100k to credit bureaus. Who qualifies, the 28-day notice, what lenders see, and how to stop or remove it.
11 October 2026
Indicative Offer vs Letter of Offer: What's Binding?
An indicative offer is a guide; a Letter of Offer is a written offer to lend on set terms. What each contains, what can change and how to compare offers.
11 October 2026
What to Do When Your Builder Collapses (2026 Guide)
Builder in liquidation? The first 48 hours, warranty insurance in NSW, Victoria and Queensland, who can claim, and how developers fund the gap to finish.
11 October 2026
Business Line of Credit vs Secured Short-Term Loan
A line of credit suits recurring swings; a secured short-term loan suits a one-off need with a clear exit. How they differ on cost, control, reviews and risk.
11 October 2026
Debt Notice Deadlines: How Many Days Each Notice Gives
DPN 21 days, statutory demand 21 days, mortgage default notices by state, bank notice periods and more, each linked to the Act or regulator that sets it.
11 October 2026 Private Lender vs Bank for a Secured Business Loan
Bank or private lender for a property-secured business loan? Compare speed, assessment, paperwork, terms and exits before you commit to either path.
10 October 2026
Exit Strategy for a Short-Term Private Mortgage
Every private mortgage needs a way out. See the exits lenders accept, how to match the term to the exit, the evidence that proves it, and plan B if it slips.
10 October 2026 Documents for a Private Mortgage: The Checklist
The exact paperwork a private secured business loan needs — ID, property, what's owing, company or trust records and exit proof — and what you can skip.
10 October 2026
First Mortgage vs Second Mortgage vs Caveat Loan
Three ways to borrow against property for business. Compare how a first mortgage, second mortgage and caveat loan rank, cost, settle and suit each deal.
10 October 2026
What Happens at Settlement of a Private Mortgage
From signed Letter of Offer to funds in your account: who does what at settlement of a private mortgage, where the money goes and what can hold it up.
10 October 2026
Private Mortgage Costs Explained: Fees and Structure
Every cost in a private secured business loan — interest, assessment fee, legal and registry costs, discharge — and how prepaid or capitalised interest works.
10 October 2026
What Is Private Lending in Australia? A Business Guide
Private lending explained for Australian business owners: who the lenders are, where their money comes from, how secured loans work and when they fit.
10 October 2026
How Private Lenders Assess a Secured Business Loan
The four tests a private lender runs on a property-secured business loan: the security, the equity, the exit and the borrower, and how to pass each one fast.
10 October 2026
Private Lender vs Non-Bank Lender: What's the Difference?
Non-bank and private lenders aren't the same thing. See how each is funded, how they assess a business loan, and which suits a fast, property-secured need.
10 October 2026
How to Check a Private Lender Before You Sign
Verify a private lender in minutes: ABN Lookup, ASIC registers, Moneysmart's alert list and the red flags that separate a genuine lender from a scam.
10 October 2026
Letter of Offer Explained for Private Secured Loans
What a private lender's Letter of Offer contains, which conditions must be met before funding, and the clauses worth a second read before you accept.
10 October 2026 Private Loan Term Extensions: How to Ask and What It Costs
Exit running late on a private mortgage? How term extensions work, what lenders check, how they're documented and what to do if the answer is no.
10 October 2026
Second Mortgage Checklist: 12 Checks Before You Apply
Twelve checks to run before applying for a second mortgage business loan: title, bank consent, true balance, equity, exit, signers and settlement.
10 October 2026
Caveat Lapsing Notices by State: A Borrower's Guide
How caveats lapse in NSW, Queensland, WA, SA, the NT, Victoria and the ACT, why it matters for a caveat loan, and when converting is the smarter move.
10 October 2026
First Mortgagee Consent for a Second Mortgage
What first mortgagee consent is, where the requirement comes from, how titles work in each state, how to ask your bank, and what to do if it says no.
10 October 2026
Converting a Caveat Loan to a Registered Second Mortgage
Why and when to turn a caveat loan into a registered second mortgage, the steps, how the caveat comes off the title in each state, and what it costs.
10 October 2026
Second Mortgage on an Investment Property for Business
How a second mortgage over a rental property can fund a business: the existing loan, tenants, tax on the interest, exits and who signs. Read before you apply.
10 October 2026
Paying Out a Second Mortgage Early: Payout and Discharge
How to repay a private second mortgage ahead of time: what's in a payout figure, the exit routes, how the mortgage is discharged and what to check afterwards.
10 October 2026
Residual Stock Loan vs Discount Sale: Run the Numbers
Facility expiring and units still unsold? Compare a residual stock loan with a quick discount sale line by line, and find your real break-even point.
10 October 2026
GST and the Margin Scheme for Small Developers
How GST hits a small development, when the margin scheme can be used, what the written agreement needs, and how withholding changes your settlement cash.
10 October 2026
Land Tax for Developers: Dates, Thresholds, Traps
Land tax is set by what you own on one night a year. See each state's snapshot date, key thresholds and how developers plan sites and stock around them.
10 October 2026
Commercial Property Purchase Timeline: Offer to Keys
Every stage of buying commercial property in Australia, from offer to settlement: where the deadlines sit, what duty and GST need, and where finance can slip.
10 October 2026
Development Site Due Diligence: A Developer's Checklist
A practical due diligence checklist for small development sites: title, planning, physical constraints, contamination, GST and the funding questions to ask.
10 October 2026
Builder Cash Flow: Using Property Equity Wisely
Why profitable builders run short of cash, how to map the gap week by week, the payment rules that help, and when property equity is the right fix.
10 October 2026
ATO Payment Plan vs Secured Loan: Which Costs Less?
ATO payment plan or a property-secured business loan? Compare GIC, tax deductibility, default risk, DPN exposure and the effect on your next bank refinance.
10 October 2026
Director Penalty Notice? Using Property Equity in 21 Days
A director penalty notice gives you 21 days, and a lockdown DPN can only be cleared by paying in full. How property-secured funding can beat the deadline.
10 October 2026 ATO Interest No Longer Deductible: What It Costs You
Since 1 July 2025, new GIC and SIC charges can't be claimed against tax. What changed, why an old ATO debt now costs more, and how owners are responding.
10 October 2026
Total Cost of a Short-Term Business Loan, Worked Out
Work out what a short-term secured business loan really costs, from settlement to exit: time-based costs, fixed costs, early payout, delays and extensions.
10 October 2026 Capitalised Interest: A Month-by-Month Worked Example
See capitalised interest in action: how the facility is sized, how the balance grows each month, what the payout looks like early or late, and what to check.
10 October 2026
Exit Strategy Red Flags Private Lenders Look For
The exit-plan warning signs private lenders spot first — from refinances with nothing changed to tax withheld at settlement — and how to fix each one early.
10 October 2026See what your business could qualify for
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