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Plain-English guides to funding, cash flow and growing an Australian business.
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Line of Credit
Add up every facility, apply the rise to the variable ones and compare the new total with your surplus. On an invented two-facility business, 25 points adds $34.19 a month and the four 2026 rises add $137.17. Here is the six-step method.
121 Brokers Team · · 15 min read
Line of Credit
A business line of credit is a revolving limit you draw on and repay as cash comes in, paying interest only on what you use. Here is how it works in Australia.
The 121 Brokers Team · · 7 min read
Line of Credit
Summer and Easter peaks, a June to August trough. How Byron Bay, Ballina and Lennox Head cafes, restaurants and venues carry the quiet months, the four facility shapes operators use, and how to size one to the season rather than the panic.
121 Brokers Team · · 12 min read
Line of Credit
Diagnose the shape of your cash flow gap first, then see the same $80,000 priced as an overdraft, a line of credit and a term loan, with indicative costs and the questions lenders ask.
121 Brokers Team · · 14 min read
