The Australian Business Finance Guide, 2026 edition.

What's inside

Eight chapters, one printable worksheet.

The same context we use on every discovery call, written down so you can read it in your own time. No fluff, no advertorial, no “contact us for a quote” pop-ups. Real ranges, real trade-offs, real lender names.

• 01

  The Australian commercial lending landscape

  Banks vs non-banks vs fintechs vs private credit. How the lender market is structured, who lends what, and where the meaningful pricing differences sit.

• 02

  Working capital options compared

  Unsecured loans, overdrafts, lines of credit, cashflow loans, merchant cash advance. Real cost ranges, settlement speeds, when each one is right.

• 03

  Asset and equipment finance structures

  Chattel mortgage vs hire purchase vs finance lease vs operating lease. Tax treatment differences in plain English; how to pick the right structure.

• 04

  Commercial property lending decoded

  Owner-occupier, investment, refinance, development, construction. LVR ranges, lender appetite, when major banks beat specialists and when they don't.

• 05

  Trade and import finance instruments

  Letters of credit, documentary collections, supply chain finance, EFA-backed export support. When each instrument actually beats open account.

• 06

  Private credit and short-term lending

  Caveat loans, commercial bridging, private credit, mezzanine, distressed and rescue. Honest framing of when these are the right answer and when they aren't.

• 07

  Industry-specific lender programs

  Specialist programs across tradies, medical, hospitality, transport, professional services, manufacturing, agriculture. Where the programs deliver meaningful pricing.

• 08

  A printable financing decision worksheet

  A one-page worksheet to scope a funding situation cleanly. The same questions we walk through on a discovery call, so you can think it through first if you'd rather.