For Australian businesses making $1M-$10M in revenue. This guide shows you how to choose smart debt financing that fuels growth while you retain ownership and future profits.
Understand debt vs equity fundamentally - when to borrow money vs when to sell ownership, and how each impacts your control and future profits
Master 4 essential debt types (term loans, lines of credit, asset finance, invoice finance) with real examples for growth-stage businesses
Learn exactly what lenders look for and how to prepare applications that get approved at competitive rates
Navigate the Australian lending landscape - from 6% secured bank loans to 18% non-bank options and when each makes sense
Get strategic frameworks to match financing to your business goals (expansion, equipment, working capital, acquisitions) without over-borrowing
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Learn how to fund growth with smart debt financing while retaining control of your business.
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What's Inside The Guide
Everything you need to make informed business financing decisions
Debt vs Equity: The Fundamental Choice
Understand the core trade-off - debt means keeping control and paying interest but facing fixed obligations, while equity means sharing ownership and profits but no repayment pressure. Learn which situations favor each approach.
Term Loans: Foundation of Growth Financing
Master how business term loans work - secured vs unsecured, fixed vs variable rates, 3-10 year terms. Learn when lump sum loans make sense for expansion, acquisitions, major projects, and how to match loan terms to expected returns.
Lines of Credit: Flexible Growth Capital
Discover revolving credit facilities ($50K-$500K+) that provide working capital flexibility. Draw as needed, pay interest only on usage, manage seasonal variations, and fund opportunities without new applications each time.
Asset & Equipment Finance: Preserve Cash Flow
Learn how to finance vehicles, machinery, technology, and equipment using the assets themselves as security. Spread costs over asset life, preserve working capital, access tax benefits, and avoid large upfront expenses.
Invoice Finance: Unlock B2B Cash Flow
For businesses selling on credit terms - turn unpaid invoices into immediate working capital. Understand factoring vs discounting, when it makes sense, typical costs (1-3% monthly), and how to avoid making it too expensive.
Key Questions to Ask Every Lender
Critical questions about total costs, fixed vs variable rates, collateral requirements, repayment structure, early repayment penalties, default processes, and loan covenants. Know exactly what to ask before signing anything.
Navigating Australian Lenders
Decode the lending landscape - Big 4 banks (6-12%, strict criteria, slow), regional banks, non-bank lenders (12-18%, flexible, faster), and specialists. Learn who you qualify with and how to approach each type strategically.
Getting Ready & Taking Action
Complete preparation checklist covering financial documents, credit reports, legal paperwork, and personal financials. Plus common mistakes to avoid, application strategy, and exactly what to do next to secure funding.
