Guides
Guides for borrowing short and finishing clean
Practical, researched guides on cash flow, tax timing, growth and short-term finance — written for Australian businesses, in dollars and dates.
Before you signExit planningTaxCash flowTax timeGrowth
Business Loan Letter of Offer: Read It Clause by Clause
A plain-English walkthrough of a short-term business loan offer: amount, fees, payout, security, guarantees, default and variation clauses, and what to ask.
1 October 2026
Short Term Loan Exit Timeline: The 90-Day Countdown
A step-by-step plan for the last 90 days of a short-term business loan: payout figures, refinance and sale deadlines, buffer checks and asking for more time.
1 October 2026
Is Business Loan Interest Tax Deductible? ATO Rules 2026
What the ATO lists as deductible for business borrowing — interest, bank fees and legal costs — why ATO interest charges aren't any more, and after-tax cost.
1 October 2026
13 Week Cash Flow Forecast: A Simple Guide for Owners
How to build a 13-week cash flow forecast for an Australian small business: what goes in each week, BAS, wages and super timing, and reading the low point.
1 October 2026
BAS Due Dates 2026–27 and How to Plan Cash Around Them
Quarterly and monthly BAS due dates for 2026–27 from the ATO, the weekend rule, online lodgment extensions and a simple way to set aside cash for each one.
1 October 2026
Can My Business Afford to Hire? Costing the Ramp-Up Gap
Hiring ahead of new revenue: the full cost of an employee, the ramp-up gap before they pay for themselves, super under Payday Super and when to bridge it.
1 October 2026See what your business could qualify for
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