Wage weeks are manageable — it’s the wage spikes that hurt. This guide shows how cafés plan for penalty rates and public holiday rosters, so payroll doesn’t wipe out stock orders, rent, or your next growth move.

Most café deals don’t get declined — they get stuck in “pending”. Here’s what actually happens in the first 7 days (credit checks, bank verification, valuation, conditions) and the small fixes that keep approvals moving.

Melbourne civil approvals usually stall for one reason: the file arrives without a clean “proof pack.” This checklist shows the VIC documents that reduce questions fast — so valuation, credit, and settlement don’t loop.

Civil jobs don’t fail because the work isn’t there — they fail because cash arrives after mobilisation. This blueprint shows a clean “funding stack”: plant finance for gear + a pre-start buffer for the gap, and how ABN age + equity limits change what lenders will tolerate.

Civil plant finance isn’t just about the machine — it’s about how you bought it. Dealer, auction and private sale each come with different valuation haircuts, deposit expectations and document rules. Use this guide to pick the cleanest path (and keep your approval from stalling at valuation).

Civil gear approvals get delayed for one reason: the “vehicle docs checklist” doesn’t cover plant bundles. This checklist shows exactly what to submit for excavators, skid steers, attachments and float trailers so the valuer can move fast and the lender doesn’t keep reopening the file.

A practical importer timeline for Melbourne businesses: when GST/duty lands, when inventory turns into cash, and how to pick the right facility (LOC vs working capital vs invoice finance) with an approval-ready submission order.

A local Melbourne case study showing how an NDIS provider handled 14–35 day payment timing without starving payroll. Compare invoice finance vs a business line of credit, see the “approval-ready” submission order, and avoid the common bank-statement patterns that slow cashflow facilities.

Not a documents checklist — this is what happens after you submit. Learn the real 24–48 hour workflow, why approvals slow down in days 3–10, and the submission order that prevents valuation rework and credit clarification loops.

Been declined after too many credit checks? This clinic-specific 30-day reset plan shows how to pause the damage, clean up the file, and re-apply with discipline—so the next submission is assessed on the clinic, not the noise.