Blog
Plain-English guides to funding, cash flow and growing an Australian business.
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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
Business Loans
A flood-affected trading history does not automatically rule a business out. What an assessor sees in a disrupted set of accounts, the questions behind the numbers, the documents that answer them, and where the official recovery resources sit.
121 Brokers Team · · 12 min read
Equipment Finance
Repair, replace or hold: the machinery decision on Northern Rivers macadamia, beef and cane farms, how lenders look at agricultural equipment by age and purchase channel, and the repayment shapes worth asking about.
121 Brokers Team · · 13 min read
Business Loans
One conversation, one document pack, lenders compared side by side: what a panel enquiry does with your file that one bank cannot, with a worked $150,000 example.
121 Brokers Team · · 12 min read
Business Loans
Payday Super since 1 July 2026: what the 7 business day rule did to your float, the July double-up in numbers, and how to size a buffer or facility for it.
121 Brokers Team · · 13 min read
Merchant Cash Advance
A $60,000 advance at 1.25 with a 12% holdback, run through an invented cafe's takings three times: what leaves each day, how long it takes, and the margin test that decides fit.
121 Brokers Team · · 13 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
Trade Finance
Deposits in September, balances in October, stock lands mid-November, cash returns from late November. A dated timeline for a $120,000 Christmas order and the facilities that bridge it.
121 Brokers Team · · 14 min read
Unsecured Business Loans
A factor rate is a multiplier, not an interest rate. $50,000 at 1.20 costs $10,000 whatever the term: roughly 35% p.a. over 12 months, roughly 65% over 6. See the conversion.
121 Brokers Team · · 12 min read
Vehicle Finance
Cash is cheaper on pure cost. A $70,000 ute example shows when a five-year chattel mortgage with a 30% balloon wins anyway: the return on the cash, the buffer, and tax.
121 Brokers Team · · 13 min read
Business Loans
GIC is 11.43% p.a. for the July to September 2026 quarter and no longer deductible. A worked $48,000 example shows where a loan beats an ATO payment plan after tax, and where it does not.
121 Brokers Team · · 13 min read
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
