What it costs to open a cafe in Australia, which start-up costs a lender will finance, and what the bond, stock and wages need from your own money.

Cafe business loans in Sydney: how NSW retail lease rules, City of Sydney food approvals and Sydney rents change what a lender checks on your file.

Can you finance a truck with no deposit in Australia? Who qualifies, what replaces the deposit, what it costs you and when a lender insists on one.

What a chattel mortgage contract says about security, insurance, default, early payout and variation, and the clauses to question before you sign.

How a chattel mortgage works in Perth and WA: duty on heavy vehicles, licence transfer deadlines, and what lenders check on mining and earthmoving kit.

How a chattel mortgage repayment schedule splits interest and principal, what interest to claim each financial year, and where it sits in your books.

Missed a chattel mortgage repayment? What happens next, when it becomes a default, how repossession works and the options business owners have first.

Selling a business with vehicles or equipment on finance? How chattel mortgages are paid out at settlement, when a buyer can take over, and GST basics.

How business overdraft repayments work: no fixed instalment, monthly interest debits, what repayable on demand means and what banks expect over a year.

A hardcore overdraft is the part of the balance that never clears. When to term it out into a loan, how much to keep revolving and what changes.