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Plain-English guides to funding, cash flow and growing an Australian business.
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Latest · Business Loans
Fixing pays off only if the variable rate averages above your break-even over the fixed period. On an invented $300,000 loan, fixing at 9.40% for 24 months breaks even at 9.40%; a fee pushes it higher. Run your own quote.
121 Brokers Team · · 15 min read
Business Loans
The RBA's fourth rise of 2026 took the cash rate to 4.60%. On an invented $250,000 business loan at 9.00%, 25 points adds $29.72 a month and the four 2026 rises add $119.39. Run your own balance.
121 Brokers Team · · 15 min read
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
Equipment Finance
Waiting for a lower rate saves interest, but the asset earns nothing while you wait. On an invented $120,000 machine, an assumed 50 point lower rate a year away saves $1,728.99 in interest and forgoes $7,200 of benefit. Run your own numbers.
121 Brokers Team · · 14 min read
Business Loans
What you need to get a business loan in Australia: the requirements checklist, the documents lenders ask for, and how the file changes for secured finance.
The 121 Brokers Team · · 9 min read
Business Loans
How much your business can borrow comes down to serviceability, security and trading, not a fixed number. A realistic guide, with an indicative calculator.
The 121 Brokers Team · · 8 min read
Business Loans
There is no single business loan rate in Australia. See what drives yours, from security to trading history, and how to compare offers across a panel.
The 121 Brokers Team · · 8 min read
Unsecured Business Loans
An unsecured business loan can be one of the faster forms of finance, because there is no valuation. What actually drives the timeline, and how to speed it up.
The 121 Brokers Team · · 8 min read
Business Loans
A business finance broker compares lenders on your behalf, matches your file to the right ones and manages it to settlement. What a broker does, and whether it is worth it.
The 121 Brokers Team · · 8 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
Vehicle Finance
Utes, vans, tippers and prime movers for Northern Rivers trades, carriers and farm fleets: what changes for the lender between a light commercial and a heavy vehicle, new against used and private, repayment shape, tax treatment in brief, and cross-border registration.
121 Brokers Team · · 13 min read
Business Loans
Premises in NSW, customers in Queensland, staff on both sides: normal at Tweed Heads, unusual to a credit desk elsewhere. What the border changes, the garaged-address rule for vehicles, and how to present a cross-border business as one coherent operation.
121 Brokers Team · · 12 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
