You already know the “red flags” list — this is the part people skip: the cleanup plan. If you want faster refi approvals (and bigger limits), you need 14 days of cleaner transaction patterns, less ambiguity, and zero self-inflicted “policy questions.”

Most “refi delays” aren’t lender mood swings — they’re payout figure errors, missing timestamps, wrong fees, or a discharge that was never actually queued. This is the fast checklist to verify a payout figure before you submit, so your approval doesn’t stall at settlement.

Quiet weeks don’t kill cafés because the business is “unprofitable” — they kill cafés because wages and supplier bills hit before cash settles. This 21-day reset is a step-by-step operator playbook: roster risk, stock compression, supplier resets, BAS/PAYG timing, a minimum buffer, then the clean funding options that match your reality.

Melbourne cafés don’t get delayed because the idea is bad—files get delayed because the proof pack is messy: lease clauses, landlord consent, council realities, fitout scopes, and turnover evidence that doesn’t reconcile. This checklist is the Melbourne-first bundle (CBD + Inner North + Bayside) that reduces “bounce-back” questions and speeds up low doc decisions.

If you pay a supplier deposit too early on espresso, refrigeration or extraction gear, lenders may treat that money as “gone” until the asset is delivered and identifiable — which is how a normal job turns into a 20–40% cash-in surprise. This guide shows the clean sequencing and proof pack that avoids the valuation trap.

If your café application keeps getting stuck on “pending,” it’s usually not the loan — it’s the turnover proof. This guide shows the 9 exports and a simple reconciliation method that makes your POS, merchant settlements and delivery payouts line up cleanly, so the assessor can move fast.

In West Melbourne, the job isn’t “won” until you clear onboarding, POs, delivery sequencing, and your first invoice gets issued. This checklist shows the proof pack lenders trust, realistic pre-start costs, and the split structure (plant + buffer) that avoids bundling failures.

A $220k job can still stall at pre-start if mobilisation and plant cash gets squeezed. This case study shows the numbers, the sequencing that avoided enquiry damage, and the exact decision points the lender cared about.

Your “10% deposit” can jump to 30% overnight when the valuation comes back shaved. Here are the 12 most common haircut triggers on used civil plant — plus the unfundable line-items that quietly get excluded from finance.

Stuck on “pending”? This is the clean civil plant finance submission bundle: the 10 proof items, the 3 bank statement screenshots that speed up assessment, and the two pack mistakes that trigger instant declines.