Inside the assessment
How lenders decide: the view from the credit desk
We're a lender, so we can show you the other side of the desk. These pages explain what a credit team actually reads, weighs and worries about before it says yes.
Every page in how lenders decide
9 plain-English explainers written from the lender's side of the desk. Start with the one closest to your situation.
Bank statements
What lenders look for in business bank statements: turnover, consistency, dishonours, ATO payments, existing loans and habits that lift your chances.
Read the explainer →Serviceability
What serviceability means for business loans, how lenders measure your capacity to repay, the buffers they apply, and practical ways to improve your position.
Read the explainer →Loan-to-value ratio
What loan-to-value ratio means for property-secured business loans, how LVR is calculated, why limits vary and how to work out usable equity.
Read the explainer →Credit files and scores
How business and personal credit files affect a company loan, what appears on them, how enquiries add up, and how to check and tidy your file before you apply.
Read the explainer →ATO debt
How an ATO debt affects a business loan application, whether you can borrow to pay the ATO, how lenders see payment plans and your options.
Read the explainer →Guarantees and security
Why lenders ask company directors for personal guarantees, the kinds of security they take, PPSR registrations, and what to check before signing a guarantee.
Read the explainer →Property valuations
How property valuations work for secured business loans: who orders them, desktop versus full valuations, what valuers check and what to do if it's low.
Read the explainer →Declined by the bank
Why banks decline business loans, how to find out the real reason, what to fix before applying again, and how non-bank and secured lenders assess the same deal.
Read the explainer →Documents checklist
A checklist of the documents Australian lenders ask for, from fast unsecured loans to property-secured facilities, with tips to get ready sooner.
Read the explainer →Run the numbers first
Free calculators that show your company's position before you talk to anyone. No sign-up, no rates, nothing stored.
Company borrowing power calculator
Estimate what your company could borrow on cash flow and on property, side by side.
Open the calculator →Business loan repayment planner
Turn a quoted total cost into daily, weekly or monthly repayments and test them against your cash flow.
Open the calculator →Property equity and LVR calculator
Work out usable equity and loan-to-value ratio for a first or second mortgage or caveat loan.
Open the calculator →Keep exploring
Lending on turnover
Cash flow loans
Cash flow loans for Australian companies explained: unsecured business loans, lines of credit, invoice finance and short-term working capital, sized on turnover.
Open the hub →Lending on property
Secured loans
Secured business loans in Australia against residential or commercial property: first and second mortgages, caveat loans, bridging and equity release.
Open the hub →Who we fund
Industries
Business loans by industry for Australian companies: trades, construction, hospitality, retail, transport, healthcare, professional services and online stores.
Open the hub →See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to ask
Your file stays with us
Lender's-eye honesty