Guides
Briefing notes for owners and finance leads
Researched, numerate guides on how lenders read an established business — and how to prepare before you borrow, buy or sell.
RatiosWorking capitalPreparing to borrowRiskExit and successionTax time
Debt Service Cover Ratio: How Lenders Test Your Numbers
What debt service cover ratio, interest cover and leverage mean, how lenders adjust EBITDA, and how an Australian SME can improve its ratios before borrowing.
1 October 2026
Overtrading: Warning Signs When Growth Eats Your Cash
Overtrading explained for established SMEs: the warning signs, the working capital maths behind growth, and how to fund expansion before cash runs out.
1 October 2026
How to Write a Business Loan Proposal Lenders Read
A practical structure for an SME business loan proposal: summary, financials, ratios, security, risks and exit — written the way credit analysts think.
1 October 2026
Customer Concentration Risk: How Lenders See Big Clients
How customer concentration risk affects an Australian SME's borrowing, debtor funding and valuation — and practical ways to measure, present and reduce it.
1 October 2026
Prepare a Business for Sale: A Finance-Led 3-Year Plan
How to prepare an Australian SME for sale or succession over three years: clean earnings, a tidy balance sheet and deal terms a buyer's lender will fund.
1 October 2026
Your 30 June Balance Sheet and Next Year's Borrowing
How lenders read an SME's EOFY balance sheet — working capital, related-party loans, ATO balances, gearing — and what to tidy before 30 June.
1 October 2026See what the balance sheet can support
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