The fastest way to get blindsided on a factory upgrade is assuming the lender funds your full landed cost. This post shows how valuation is calculated on imported machinery, where deposit gaps appear (FX, freight, duty/GST), and how to package supplier + shipping proof so approvals stay clean.

Factory plant finance doesn’t get delayed because you “forgot a document” — it gets delayed because the lender can’t verify the machine, the site, and the commissioning path fast enough. This Day 0–10 timeline shows exactly what underwriters check (serial plates, site access, power requirements, install/commissioning) and how to package your quote so the deal doesn’t go “pending” right before settlement.

A simple 2026 guide to financing irrigation and water infrastructure — what gets funded, the documents lenders want, the deposit + valuation traps that cause declines, and the clean proof pack that speeds up approvals.

A simple 2026 guide to discharge authority in asset finance refinancing — what it is, where it sits in the chain, the 7-step walkthrough from payout figure to settlement, and the common mistakes that delay approvals.

A Geelong-first warehouse upgrade guide covering forklifts, racking and fitout finance — with a clean bundle-vs-split framework, the proof pack lenders want, and the valuation traps that stall approvals.

A Melbourne-first checklist for event hire and production companies financing AV, lighting, staging and trucks on low doc terms — with the proof pack lenders want, the valuation traps to avoid, and a simple 48-hour approval plan.

The fastest way to break a good business is a 3–7 day “blackout week” during a refinance switch. This playbook shows the clean sequencing (payout → discharge → settlement) plus a controlled working-capital buffer so wages, suppliers, fuel and rent keep moving.

You already know the definitions. What businesses get wrong is the timing. This 30/60/90-day playbook shows the clean sequence to consolidate facilities without triggering a cashflow gap, payout chaos, or a “pending” spiral.

Most “pending” deals aren’t missing documents — they’re missing clarity. These are the statement patterns that make lenders haircut limits, and the simple way to explain them so the deal keeps moving.

Most asset finance refinances don’t “decline” — they stall at payout figure, discharge, or settlement booking. Here’s the Day 0–7 timeline (who does what, when) so you can keep the deal moving.