All Guides154 guides · 12 lanes · Updated 6 September 2026
Every Switchboard guide, in one place
Each guide answers one finance question for a self-employed Australian business owner: what the lender is actually testing, what the numbers look like, and what to do next. Pick a lane below, or scan the full list.
Overdrafts, credit lines and working capital 24 guides
- What Lenders Look For in Business Bank Statements
- Your Bank Cut Your Business Overdraft Limit: What to Do in the First 48 Hours
- Bank Overdraft Limit Too Small? Top Up, Add a Facility or Refinance
- Under Two Years Trading and the Bank Wants Two Years of Financials
- How Fast Can a Cafe Get a Business Loan in Australia?
- Business Overdraft vs Line of Credit: Which Fits Your Cashflow Shape?
- Same Day Business Overdraft in Australia: How Fast Can You Get Funded?
- Business Overdraft Rates and Fees in Australia: The Real Cost
- Sole Trader and ABN Business Overdrafts: Who Gets What Limit
- Unsecured Business Overdraft: How Much You Get and What You Sign
- What Is a Business Credit Report and What Do Lenders See on It?
- What Does Unsecured Actually Mean on a Business Loan?
- Supplier Cut Your Credit or Moved You to COD: Your Options
- Can't Make Payroll This Week? What Australian Employers Can Do
- Asset Rich, Cash Poor? How to Free Up Money Without Selling
- Business Loan With a New ABN: How Property Security Helps
- How Business Debt Consolidation Works in Australia: Costs and Risks
- Tax, EOFY and the Instant Asset Write-Off: A Business Finance Guide
- What Is a Business Overdraft and How Does It Work?
- What Is a Business Line of Credit and How Does It Work?
- What Is Invoice Finance? How It Works, Costs and Eligibility
- What Is a Low-Doc Business Loan? Costs, Eligibility and Risks
- Getting a Business Loan in Australia: Eligibility, Costs and Security
- What Is a Working Capital Loan? How It Works, Costs and Risks
Commercial property and property lending 31 guides
- What Happens If Your FIRB Approval Is Not Ready at Settlement?
- How Much Cash Out Can You Get From a Refinance in Australia?
- Owner Occupied vs Investment Commercial Property Loans: What Changes
- Restructuring a Property Portfolio in Australia: Order and Cost
- Can You Consolidate Business Debt Into a Property Refinance?
- Mixed Use Property Loans: How Lenders Split Residential and Commercial
- Can Your SMSF Still Borrow to Buy Property? The 2026 Rules
- Put and Call Option Property Australia: How It Works, Duty and Funding
- Warehouse Property Loans Australia: Industrial Buyer Guide
- Borrowing in Australia as a Non-Resident or on Foreign Income
- Buying Before Selling When You Are Self-Employed: How Bridging Works
- Buying a Medical Centre or Consulting Suite Freehold in Australia
- How to Finance a Self-Storage Facility in Australia
- Commercial Interest-Only Expiry: Refinance or Stay With Your Lender?
- Sale and Leaseback Australia: How It Works, Costs & Risks
- Buying Your Business Premises From Your Landlord: What Changes
- Buying Off Market With a Short Settlement: What to Check First
- Bridging, Caveat or Second Mortgage: Which One Do You Need?
- NDIS SDA Housing Finance Australia: How Lenders Assess It
- Bought at Auction and the Bank Won't Settle in Time? Your Options
- Valuation Came In Under the Contract Price? What Happens Next
- Someone Else's Caveat Is Blocking Your Settlement: What to Do
- Sunset Clause Approaching? Options for Off-the-Plan Buyers
- Notice to Complete Received? Deadlines, Costs and Finance Options
- Penalty Interest on a Late Settlement: What It Is and What It Costs
- Fast Settlement Finance in Australia: Bridging and Caveat Options
- Mortgagee in Possession Refinance: Can You Still Save the Property?
- What Is Equity Release Refinance? Costs, Risks and Options
- What Is a Second Mortgage? How It Works, Costs and Risks
- How Commercial Property Loans Work: Deposits, Rates and Eligibility
- Caveat Loans in Australia: How They Work, Costs and Risks
Development and construction 18 guides
- Construction Progress Claims and Drawdowns: How the Money Moves or Stops
- Foreign-Owned Development Finance Australia: FIRB and Pre-Sales
- How Commercial Construction Loans Work in Australia
- What Happens to a Development Loan at Practical Completion
- Presale Fell Over? What Happens to Your Development Loan
- What Happens When a Development Facility Expires Before Completion
- Contamination Found on Your Security Property: What Happens Next
- What Is Build to Rent and How Does It Work in Australia?
- Retention and Defects Liability: When Your Money Is Released
- Cost Overrun Mid-Build: Who Owes It and Who Will Fund It
- Can You Finance a Development Site Before DA Approval?
- What Lenders Actually Test in a Development Feasibility
- Second Mortgage Behind a Construction Loan: Consent, Priority, Cost
- Can You Get a Construction Loan When Self-Employed? How It Works
- What Happens When Your DA Lapses or Is Amended? Refinancing the Site
- Construction Lender Stopped Funding Mid-Build: Your Options
- What Is Mezzanine Finance in Australia? How It Works, Costs and Risks
- How Property Development Finance Works: Costs, Presales and Approval
Accommodation and hospitality 16 guides
- What Lenders Check When You Fund a Backpacker Hostel in Australia
- Accommodation Deposit and LVR by Asset Type and Location
- Buying or Starting a Function Centre or Wedding Venue in Australia
- How to Refinance a Motel, Caravan Park, Pub or Management Rights Business
- Rooming House Finance Australia: Residential or Commercial?
- Can You Get a Loan for a Serviced Apartment in Australia?
- How Accommodation Operators Fund the Off Season in Australia
- What Is a Freehold Passive Investment? Motel, Pub or Park
- Freehold Going Concern or Leasehold: What You Are Actually Buying
- Student Accommodation Investment: How Lenders Assess It
- What Documents Do You Need to Buy an Accommodation Business?
- Buying an Underperforming Accommodation Business: The Turnaround File
- Buying a Pub or Hotel as a Going Concern: The Sale and Settlement
- What Are Management Rights? How to Buy and Run One in Australia
- How Motel Finance Works: Freehold, Leasehold, Deposit and LVR
- Pub & Hotel Finance in Australia: How It Works, Costs & Deposits
Buying a business 10 guides
- Buying From a Receiver or Liquidator: What You Get and How to Fund It
- Asset Sale vs Share Sale: What Changes for Funding
- Who Actually Funds the Goodwill When You Buy a Business?
- Vendor Finance When Buying a Business: How the Carry Work
- Buying a Funeral Home in Australia: What Lenders Will Fund
- How to Finance Buying a Franchise in Australia
- Buying a Business With the Freehold or on a Lease: What Changes
- How to Get a Loan to Buy a Business in Australia
- How Practice Finance Works for Medical, Dental and Vet Owners
- What Is Vendor Finance? How Seller Finance Works in Australia
Equipment, vehicle and asset finance 12 guides
- What It Costs to Import Machinery into Australia, and How to Fund It
- Fitout Finance in Australia: Costs, Security and Tax Treatment
- Used and Aged Equipment Finance in Australia: Age Limits and Declines
- Equipment Line of Credit Australia: A Guide for Repeat Buyers
- Balloon Payments and Residual Values on Business Finance Explained
- Can You Get a Car Loan With an ABN? How ABN Car Loans Work
- How Business Vehicle Finance Works in Australia
- What Is Low Doc Asset Finance? How It Works, Costs and Docs
- Truck Finance in Australia: How It Works, Costs and Approval
- What Is a Chattel Mortgage? How It Works, Costs, Tax and GST
- What Is Asset Finance? How It Works, Costs and Options
- What Is Equipment Finance? How It Works, Costs and Approvals (2026)
Guarantees, security and getting released 5 guides
- How Do You Get Released From a Director's Guarantee in Australia?
- Can You Use the Family Home as Security for a Business Loan?
- Divorce and Commercial Assets: How to Fund a Property Settlement
- How to Get Out of Cross-Collateralisation in Australia
- What Happens When a Personal Guarantee Is Called in Australia?
ATO debt, insolvency and distress 14 guides
- Waiting on an Insurance Payout? What Australian Businesses Can Do
- What Is an ATO Intent to Disclose Notice? How to Stop It in 28 Days
- Balloon Payment Due? What to Do If You Cannot Pay or Refinance
- Commercial Loan Covenant Breach or Interest-Only Expiry: Your Options
- Winding-Up Application Filed: What It Means and What You Can Do
- ATO Payment Plan Defaulted? What to Do Next
- Refinancing With a Court Judgment on File: What Still Works
- Bank Recalled Your Business Loan or Overdraft? What to Do
- ATO Garnishee Notice: How It Works, How Much the ATO Can Take and What to Do
- Finance During and After a Deed of Company Arrangement (DOCA)
- Statutory Demands in Australia: Your Options in the 21 Day Window
- What Is a Director Penalty Notice and What To Do in 21 Days
- Unpaid GST Blocking Settlement: How ATO Debt Stops Property Deals
- Can You Get a Loan to Pay Off ATO Tax Debt? Costs, Options, Risks
After a bank decline 8 guides
- Bank Won't Renew Your Business Loan? The 90 Day Refinance Plan
- Business Overdraft With No Property Security in Australia
- Sole Trader Declined for a Business Overdraft: What Actually Happened
- Why the Big Banks Say No to Self-Employed Borrowers
- Home Loan Declined and Self-Employed? What Happened and What Works
- Car, Truck or Equipment Finance Declined? Self-Employed Next Steps
- Business Loan Declined? What the Bank's No Actually Means
- The Bank Said No: Business Overdrafts With Bad Credit in Australia
Private lending and investing 10 guides
- Private Credit Risks in Australia: How to Read a Fund's RG 45 Report
- Contributory Mortgage Funds in Australia vs Pooled Funds
- How to Become a Private Lender in Australia: Rules and Risks
- Mortgage Funds Australia: How They Work, Risks and Withdrawals
- Private Credit Funds Australia: How Private Credit Investing Works
- Private Mortgage Investing Australia: How It Works, Risks
- What Is a Wholesale Investor Certificate? Eligibility Tests Explained
- How Private Lending Actually Works in Australia
- Private Mortgage Lenders Australia: How They Work, Costs & Risks
- Private Lending in Australia: How It Works, Costs and Risks
Agribusiness and regional 4 guides
Self-employed home loans 2 guides
Looking for something shorter? The Insights posts cover single scenarios in a few minutes each, and the Glossary defines the terms lenders use.