About

Business Loan Workings is an independent information site for Australian small business owners, sole traders and their advisers who are comparing business loans, overdrafts, invoice finance and equipment finance.

We explain how Australian lenders price business credit, which laws and codes apply, and how to compare offers on total cost. Every guide includes worked examples with the arithmetic shown, so you can repeat the calculation with your own numbers. Figures in examples are illustrative, not current offers from any lender.

We do not arrange loans, we are not a lender or a credit representative, and we do not rank or recommend particular lenders. Nothing on this site is financial, legal or tax advice for your situation. Rules and pricing change, so each guide points to the official source to check: the Reserve Bank of Australia, ASIC, the ATO, business.gov.au, the Australian Financial Complaints Authority, the Australian Small Business and Family Enterprise Ombudsman and state small business commissioners.

If you are struggling with existing business debt, free help is available from financial counsellors through the Small Business Debt Helpline and from your state small business commissioner.

How this site is made

Business Loan Workings is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.