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Textile and Apparel Manufacturer Factory and Showroom Finance 2026
Nick Lim 17/5/26 Nick Lim 17/5/26

Textile and Apparel Manufacturer Factory and Showroom Finance 2026

Textile and apparel manufacturers buying a dual-purpose factory and showroom: owner-occupier commercial vs lease doc paths after the 2026 Budget.

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Plastics Injection Moulding Equipment Finance 2026
Nick Lim 17/5/26 Nick Lim 17/5/26

Plastics Injection Moulding Equipment Finance 2026

Plastics injection moulding equipment is funded with a chattel mortgage on the moulder and the instant asset write-off on the sub 20K tooling stack. Here is how the file lands cleanly.

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The Cafe Acquisition Finance Playbook 2026
Nick Lim 16/5/26 Nick Lim 16/5/26

The Cafe Acquisition Finance Playbook 2026

The four buckets at settlement, what lenders actually fund, and the 90-day calendar after handover, the playbook for buying a cafe in Australia in 2026.

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Buying a Cafe Now, Buying a Home in 2027: Sequencing One Doc
Nick Lim 16/5/26 Nick Lim 16/5/26

Buying a Cafe Now, Buying a Home in 2027: Sequencing One Doc

Buy the cafe now, sequence the One Doc home loan later. How the chattel mortgage, BAS-revenue line, and asset-debt count carry forward into the next home loan file.

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Buying a Cafe with Stale Equipment: Chattel Mortgage Timing 2026
Nick Lim 16/5/26 Nick Lim 16/5/26

Buying a Cafe with Stale Equipment: Chattel Mortgage Timing 2026

The Budget made the $20K instant asset write-off permanent from 1 July 2026. Here is what that does to chattel mortgage timing for cafe buyers facing a stale equipment list before EOFY.

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Cafe Working Capital in the First 90 Days After You Take Over
Nick Lim 16/5/26 Nick Lim 16/5/26

Cafe Working Capital in the First 90 Days After You Take Over

A practitioner walkthrough of how a revolving line of credit absorbs the handover cashflow gap in the first 90 days after taking over an existing cafe.

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Itemising the Cafe Plant List Before Settlement (2026)
Nick Lim 16/5/26 Nick Lim 16/5/26

Itemising the Cafe Plant List Before Settlement (2026)

Lenders fund identifiable depreciating assets line by line, not turn-key package prices. An itemised plant list is the document that makes cafe acquisition finance move at low doc speeds.

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What the 2026-27 Budget Means for Owner-Driver Finance
Nick Lim 16/5/26 Nick Lim 16/5/26

What the 2026-27 Budget Means for Owner-Driver Finance

How the 2026-27 Federal Budget reshapes owner-driver finance: permanent instant asset write-off, Road User Charge reset, Fuel Tax Credit retained.

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Truck Buying Timing for One Doc Home Loan Borrowers (2026)
Nick Lim 16/5/26 Nick Lim 16/5/26

Truck Buying Timing for One Doc Home Loan Borrowers (2026)

Sequencing a truck purchase around a One Doc home loan in 2026. The order matters more than the asset, with the permanent IAWO from 1 July.

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Working Capital vs Truck Refinance for the Diesel Squeeze (2026)
Nick Lim 16/5/26 Nick Lim 16/5/26

Working Capital vs Truck Refinance for the Diesel Squeeze (2026)

Two tools, two fixes. When a working capital loan beats a truck refinance for owner-drivers managing the 2026 diesel cashflow window, and when the reverse holds.

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