Repayment, borrowing capacity, quote comparison and refinancing examples with the arithmetic shown, plus application checklists.
Business lenders decide on numbers: your cash flow, how much debt it can carry, what security you offer and how clean your records are. These guides walk through the same numbers with illustrative figures so you can test a loan before you apply.
The application checklist is the starting point. From there, work out how much your business can borrow using debt service cover, compare three loan offers on total cost, and convert a factor rate into an annual rate before signing a short-term loan. Other guides cover fixed versus variable pricing, refinancing business debt, low-doc loans using BAS statements and finance options for a new business.
The calculators on this site use the same formulas as the examples. Every figure in an example is illustrative; replace it with your own numbers and the lender's actual offer.
Worked Examples and Checklists
What Australian lenders ask for in a small business loan application, how full-doc and low-doc applications differ, and how to prepare so you are assessed on the business.
Worked Examples and Checklists
A step-by-step comparison of three illustrative Australian small business loan offers, adjusting for deducted fees, monthly fees and repayment terms to find the real cost.
Worked Examples and Checklists
How to convert a factor rate on an Australian short-term business loan or merchant cash advance into an effective annual rate, with worked examples and red flags.
Worked Examples and Checklists
How fixed and variable rates on Australian business loans compare when rates rise, stay flat or fall, with break-even arithmetic, break cost risk and split options.
Worked Examples and Checklists
How Australian lenders size a small business loan using EBITDA, debt service cover ratios, owner drawings and security limits, with full worked arithmetic.
Worked Examples and Checklists
How low-doc and alt-doc business lenders assess income from BAS statements and bank statements, with a worked example, typical conditions and what to fix first.
Worked Examples and Checklists
A worked Australian example of refinancing a high-cost business loan, including early repayment fees, new lender costs, break-even months, term extension traps and tax.
Worked Examples and Checklists
What finance is realistically available to a new Australian business without trading history, how lenders view start-ups, and a worked funding plan for a fit-out.
