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How Lenders Sequence Cafe and Roastery Working Capital
Nick Lim 30/5/26 Nick Lim 30/5/26

How Lenders Sequence Cafe and Roastery Working Capital

How lenders read a combined cafe and roastery working capital stack, and the sequence the file needs to be in before EOFY 2026.

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How a Cafe Equipment Refresh Lands With Lenders Before EOFY 2026
Nick Lim 30/5/26 Nick Lim 30/5/26

How a Cafe Equipment Refresh Lands With Lenders Before EOFY 2026

How cafe equipment finance lands with lenders before EOFY 2026: the insurance schedule, IAWO timing, and chattel mortgage settlement check.

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Manufacturer Pre-1 July 2026 Decision Map: Four Doors Before EOFY
Nick Lim 30/5/26 Nick Lim 30/5/26

Manufacturer Pre-1 July 2026 Decision Map: Four Doors Before EOFY

How a manufacturer stacks four EOFY decisions, factory sale, holdco, line of credit and home loan, into one pre-1 July 2026 window.

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One Doc Home Loan for Manufacturer Owners Buying Their First Home
Nick Lim 30/5/26 Nick Lim 30/5/26

One Doc Home Loan for Manufacturer Owners Buying Their First Home

How self-employed manufacturer owners read on a One Doc Home Loan when buying a first home, the APRA DTI context, and what lenders want to see.

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The 30-Day Pre-EOFY Manufacturer Line of Credit Window
Nick Lim 30/5/26 Nick Lim 30/5/26

The 30-Day Pre-EOFY Manufacturer Line of Credit Window

Three timing windows on a pre-EOFY manufacturer line of credit, plus the Payday Super, IAWO and 30 June levers that bite if the sequence slips.

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How Lenders Read a Manufacturer's New Holding Company
Nick Lim 30/5/26 Nick Lim 30/5/26

How Lenders Read a Manufacturer's New Holding Company

How lenders read a manufacturer's new holdco above the operating company, what the credit desk wants to see, and where the entity file gets tricky.

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Manufacturer Family Succession: The Factory Sale Loan Read
Nick Lim 30/5/26 Nick Lim 30/5/26

Manufacturer Family Succession: The Factory Sale Loan Read

How lenders read a manufacturer family factory sale, the property transfer, going concern and small business CGT concession on the loan file.

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FY27 Truckie Finance Stack: Truck - Trailer-Working Capital- Home
Nick Lim 29/5/26 Nick Lim 29/5/26

FY27 Truckie Finance Stack: Truck - Trailer-Working Capital- Home

The order you stack truck, trailer, working capital and home loan finance matters more than the rate on any one. An FY27 owner-driver sequencing guide.

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How Lenders Read Owner-Driver Income on a One Doc Home Loan
Nick Lim 29/5/26 Nick Lim 29/5/26

How Lenders Read Owner-Driver Income on a One Doc Home Loan

How do lenders read owner-driver income on a One Doc Home Loan? The trading story, chattel debt overlay and depreciation read that decide servicing.

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When Owner-Drivers Use a Business Loan Instead of a Chattel Mortgage
Nick Lim 29/5/26 Nick Lim 29/5/26

When Owner-Drivers Use a Business Loan Instead of a Chattel Mortgage

A business loan and a chattel mortgage solve different problems for owner-drivers. How to tell which facility fits the next move on the books.

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