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Guides and articles on lending, structuring and business finance.

Blogs

Guides to the decisions clients ask about most.

Blog · Business Advisory

What Is an Earn-Out and When Should I Push Back on One?

An earn-out lets a buyer pay part of the price later, based on how the business performs after completion. For a seller, it can bridge a genuine valuation gap. It can also hand the buyer every incentive to make the numbers look worse than they are.

26 October 2026

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Blog · Lending

How Do I Finance a Business Purchase If I Have No Property to Offer as Security?

Most business acquisition finance conversations start with "what can you put up as security." If the honest answer is nothing, you still have options. They cost more and come with tighter terms, but the deal is not dead.

26 October 2026

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Blog · Lending

Do I Need Property Security to Get a Business Loan?

No. Unsecured business loans, invoice finance and business credit lines are all available without putting up property. Property security is one path among several, not a universal

26 October 2026

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Blog · Lending

Serviceability: Why Doesn't My Income Count the Way I Think It Should?

serviceability — face value income versus lender-assessed income

26 October 2026

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Blog · Lending

How Does My Bank Statement Conduct Affect My Loan Approval?

Statements let a lender verify revenue and cash flow stability directly, rather than relying only on what you report. Non-bank lenders typically ask for six to twelve months of statements

26 October 2026

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Blog · Lending

Low-Doc Loans: Can I Borrow Without Full Financial Statements?

Yes, but the lender still needs to see something. A low-doc loan removes the requirement for full tax returns, financial statements and BAS, it doesn't remove the need for the lender to satisfy itself you can repay. Something else has to fill that gap.

26 October 2026

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Blog · Lending

Can I Get a Business Loan With Bad Credit or Past Defaults?

Often, yes, though not on the same terms a clean credit file would get you. A weak credit history closes off the cheapest mainstream lending, but it doesn't close off finance altogether. Three paths tend to stay open regardless of what your file says.

26 October 2026

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Blog · Lending

Bank Declined My Business Loan, What Do I Do Next?

A decline is information, not a final answer. Most business loan knockbacks trace back to one of a handful of fixable causes, and what you do in the days after matters more than which bank you try next.

26 October 2026

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Blog · Business Advisory

What Does Buying a Business Actually Involve, From Start to Finish?

Every business purchase, however different the industry, moves through the same sequence: you search and shortlist, you make an offer, you test it with due diligence, you agree final terms.

26 October 2026

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Blog · Lending

Debt Recycling Using Equity: How Does It Actually Work?

Debt recycling turns the least useful kind of debt you have, your home loan, into the kind that works for you at tax time. The mechanics are simple. The discipline to actually run it is where most people fall short.

26 October 2026

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Blog · Lending

ATO Payment Plans: What Are the Rules, and Can You Negotiate?

An ATO payment plan is not a favour. It is a standard arrangement the ATO offers to collect a tax debt over time instead of all at once, and within limits, you can shape how it looks.

26 October 2026

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Blog · SMSF

Can My SMSF Buy Commercial Property and Lease It Back to My Business?

SMSF leasing and buying back

26 October 2026

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Blog · Business Advisory

What Multiple Do Accounting, Legal and Bookkeeping Firms Sell For in Australia

Three different buyer bases are pricing three different kinds of risk. An accounting or bookkeeping practice usually prices on recurring fee income, because the client relationships tend to be contracted and repeat annually

26 October 2026

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Blog · Business Finance

Customer Concentration Risk: What If Your Biggest Client Is 60% of Revenue?

Customer concentration risk is the exposure a business carries when a large share of its revenue depends on one or a small handful of customers, calculated simply as that customer's revenue divided by total revenue

26 October 2026

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Blog · Business Advisory

Due Diligence on Financials: Can You Trust the Seller's Numbers?

A quality of earnings review analyses revenue, expenses and profit to test whether reported earnings are sustainable going forward, not just historically accurate. It also looks at how much working capital the business actually needs

26 October 2026

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Blog · Lending

What Is Vendor Finance, and Is a Seller Offering It a Red Flag?

Vendor finance is when the seller lets the buyer pay part of the purchase price over time, instead of requiring the full amount at settlement.

26 October 2026

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Blog · Lending

Can I Get Finance on a Vacant Commercial Property Before There's a Tenant?

A tenant isn't just a convenience for a commercial lender, it's often the entire basis of the loan. Products built for tenanted commercial property, such as a Lease Doc loan, are assessed purely on the rent the lease produces.

26 October 2026

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Blog · Lending

Can I Get Finance to Buy the Commercial Property My Business Operates From?

Ways business can get commercial loans on properties

26 October 2026

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Blog · Business Advisory

Key Person Risk: How Do I Know If the Business Can Run Without the Owner?

Buyers price key person risk before they price almost anything else. A business that cannot run a week without its owner gets discounted, financed differently, or pushed into a long earn-out.

20 October 2026

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Blog · Lending

Why Does WALE Matter to Lenders?

What weighted average lease expiry measures, why lenders weight it in commercial loan assessments, and how to prepare before you apply.

14 October 2026

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Blog · Business Advisory

Industrial Yield: What Makes It Cashflow Positive?

A 9% industrial yield can hide two very different cashflow outcomes. Here is what actually determines whether a property pays for itself.

14 October 2026

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Blog · Lending

Commercial LVR: How Much Can You Borrow Against a Commercial Property?

Work out how much you can borrow against a commercial property in Australia. LVR ranges, risk factors and loan structuring explained by TransformBiz.

13 October 2026

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Blog · Lending

Borrowing capacity: what lenders actually look at

Income, expenses, existing debts and buffers — how each shapes the number a bank will lend, and how structure changes it.

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Blog · Lending

Building a portfolio, not just buying a house

Why lender order, entity choice and cross-collateral decisions on property one decide whether property three is possible.

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Blog · Lending

Buying through a trust or company

The trade-offs of trust and company lending, and how to keep future borrowing open.

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Blog · Lending

SMSF property: the essentials

What SMSF lending looks like now — refinancing existing SMSF loans and buying commercial property — and who needs to be involved.

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Blog · Advisory

Preparing your business for sale

Normalised earnings, clean structures and buyer-ready documents — the work that lifts value before a sale.

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Blog · Advisory

Where AI actually saves time in finance

Practical, low-risk places to automate reporting and document workflows in a small business.

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Blog · Lending

A plain-English glossary: LVR, serviceability, WALE, bare trusts and normalised EBITDA

The five terms that come up most in lending and structuring conversations — what they actually mean, and why they change the answer you get.

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Blog · Lending

Broker vs. bank: who should arrange your next loan?

A bank sells you one lender's products. A broker compares a panel — but the right choice depends on how complex your situation actually is.

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Blog · Lending

Loan vs. line of credit: which fits how you actually use the money?

A term loan and a line of credit solve different problems — matching the facility to the spending pattern avoids paying for flexibility you don't need.

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Blog · Advisory

Trust vs. company: which structure should hold your next asset?

Asset protection, tax flexibility and lending access all shift depending on whether you buy through a trust, a company, or both.

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