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Business finance guides
Plain answers on tax debt, cash flow and property-backed lending, written for business owners.
Latest guides
ATO debt
ATO payment plans: what happens if you default, and your options
What happens when an instalment is missed, how the ATO escalates, and the realistic ways back on track.
ATO debtATO interest is no longer tax-deductible: what the GIC change means for your business
GIC incurred from 1 July 2025 can't be claimed. Here's what that does to the real cost of carrying tax debt.
ATO debtDirector penalty notices explained: the 21-day window and your options
How DPNs work, why the 21 days start before you open the letter, and where finance can fit.
ATO debtReceived an ATO garnishee notice? What it means and what to do next
How garnishee notices work, who receives them, and how businesses get them lifted.
Business financeWhat is cash flow lending? How unsecured business finance works
How lenders assess your bank statements instead of property, what it costs and when it makes sense.
Property-backed loansCaveat loan or second mortgage: which suits your business?
Both use equity behind your existing loan. They differ on speed, consent, size and term.