Guides
Guides for owners without property
Researched, plain-English guides on cash flow, tax time, premises, equipment and borrowing on turnover. New guides are added regularly.
PlanningBank statementsTax timePremisesEquipmentChoosing finance
The Funding Ladder: Growing a Business Without Property
A step-by-step way to fund growth without property: equipment finance, invoice finance, lines of credit and unsecured loans, used in the right order.
1 October 2026
Lumpy Bank Deposits? How to Explain Them to a Lender
Uneven deposits can shrink an unsecured offer. How to show a lender your seasonal or project-based income is normal, with a one-page summary.
1 October 2026
BAS Set-Aside Plan: How Much to Put Away Each Week
A simple weekly routine for setting aside GST, PAYG withholding and instalments so BAS is ready when due, plus what to do if you're already behind.
1 October 2026
Signing a Commercial Lease? The Cash You'll Need Upfront
Before signing a shop or office lease, budget for the bond or bank guarantee, fit-out, outgoings, legal costs, the trading gap and make-good.
1 October 2026
$20k Write-Off Now Permanent: Buying Gear Without Property
The $20,000 instant asset write-off is permanent from 1 July 2026. How it works, how financed equipment fits, and how to buy gear without property.
1 October 2026
Credit Card, Line of Credit or Unsecured Loan? Match the Job
Three common ways to fund a business without property, compared: when a card, a line of credit or an unsecured term loan fits, and the costs to check.
1 October 2026No property? Let's see what your turnover supports.
One short enquiry, no credit check to ask, and one specialist (not a crowd of lenders) who calls you back with options sized on your trading.
No credit check to enquire
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