Equipment Finance in Australia: The Three Structures Explained and How to Pick the Right One
Most business owners searching for equipment finance hit the same wall. You find a quick overview that names three structures, maybe four, and then the page tries to sell you one of them without explaining why it suits your situation. You are left knowing more words but making the same guess. This article does the […]
Banks Are Tightening Commercial Lending. Here Is Why Your Next Chattel Mortgage Will Probably Come From a Non-Bank Lender
If you are a business owner looking to finance a vehicle or piece of equipment through a chattel mortgage, you have probably noticed something has changed. The major banks are not as eager to lend as they once were, and the alternatives are growing fast. Through FY26, Australia’s commercial lending landscape shifted in a meaningful […]
Melbourne Business Owners Are Quietly Switching to Non-Bank Loans in 2025. Here’s the Reason Your Accountant Probably Hasn’t Told You
If you have ever applied for business loans in Melbourne through one of the Big 4 banks and walked away empty-handed, you are in good company. Survey evidence consistently shows that approval rates for SME loans under $1 million sit between just 25 and 35%, meaning roughly two in three Melbourne business owners get turned […]
My Credit Score is Terrible – Can I Still Get a Business Loan in Melbourne?
You Googled it. You’re not alone, and the answer is probably better than you think. If you’re a Melbourne business owner with a blemished credit history, the first thing to understand is this: a poor credit score is not an automatic rejection for a bad credit business loan in Melbourne. The lending landscape has changed dramatically in recent years, and the days of a single […]