Shelf 2 · Cash flow & unsecured
Cash flow, credit lines and unsecured loans
Lines of credit, overdrafts, cash flow and unsecured loans, plus the loans people look for when credit, paperwork or the ATO make things harder.
Line of credit
How a business line of credit works: limits, drawing and repaying, secured vs unsecured lines, and when a revolving facility beats a loan.
Read more →Overdraft
What a business overdraft is, how banks set and review limits, why some owners struggle to get one, and the non-bank alternatives that do a similar job.
Read more →Cash flow loans
How cash flow loans are sized on turnover and bank statements instead of property, typical uses, how repayments work and how to tell if one will help or hurt.
Read more →Unsecured loans
Unsecured business loans from $5,000 to $500,000 without property security: what lenders assess, director guarantees, typical terms.
Read more →Short-term loans
Short-term business loans repaid over weeks or months: secured and unsecured versions, common uses, how to compare the real cost.
Read more →Working capital
Working capital loans for stock, wages, rent and the wait to get paid: how to measure your working capital gap.
Read more →Revenue-based finance
Revenue-based finance and merchant cash advances: repayments that rise and fall with daily sales or card takings, who suits them.
Read more →Seasonal loans
Seasonal business loans for tourism, retail, farming and trades: how to fund the stock-up before peak season, survive the off-season.
Read more →Payroll funding
Payroll and wages funding for businesses waiting on customer payments: how Payday Super changes the timing, which facilities fit.
Read more →ATO debt loans
ATO debt loans for business tax bills, BAS and PAYG: when borrowing beats a payment plan, why GIC is no longer deductible.
Read more →Bad credit
Bad credit business loans in Australia: how lenders look past defaults and judgments, why property security helps, what to disclose.
Read more →Low doc loans
Low doc business loans for self-employed owners whose tax returns are late or don't tell the full story: what lenders accept instead.
Read more →Emergency loans
Emergency business loans for floods, fires, equipment failure or a lost customer: first steps to take, government support to check.
Read more →Small business loans
Small business loans for sole traders, partnerships and small companies: the main loan types, what each lender type looks for.
Read more →Start-up loans
Start-up business loans for new Australian businesses with little or no trading history: the options that actually work, why property helps.
Read more →See what your business could qualify for
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