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Plain-English guides to funding, cash flow and growing an Australian business.
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Latest · Business Loans
Most unsecured lending is assessed on trading history a new business does not have. The routes that genuinely work from day one, what opens up with trading, and what to prepare in between.
121 Brokers Team · · 8 min read
Business Loans
Working capital finance is an umbrella, not a product. How to diagnose the shape of your cash gap, then match it to invoice finance, a line of credit, a term loan or an advance.
121 Brokers Team · · 7 min read
Equipment Finance
A chattel mortgage lets your business own an asset from day one while the lender holds security over it. How it works, what you can finance, and the costs.
The 121 Brokers Team · · 8 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
Invoice Finance
Invoice finance advances most of an unpaid invoice now instead of waiting 30 to 90 days. A plain-English guide, a worked example and the real costs.
The 121 Brokers Team · · 9 min read
Vehicle Finance
Ute, truck and trailer finance for tradies and transport operators: chattel mortgage or lease, the vehicle as security, and the GST and logbook basics.
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
Trade Finance
Trade finance pays your suppliers up front so you can sell the stock before you repay. A step-by-step guide to the import finance cycle for Australian importers.
The 121 Brokers Team · · 9 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
Business Loans
What lenders actually want to see in a business loan application, the documents to prepare, the mistakes that cause rejections, and how a broker smooths the process.
121 Brokers Team · · 6 min read
