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Plain-English guides to funding, cash flow and growing an Australian business.
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Equipment Finance
Chattel mortgage, finance lease or hire purchase? Compare ownership, GST, tax and end-of-term across all three, with a calculator to price a repayment.
The 121 Brokers Team · · 10 min read
Line of Credit
Line of credit vs term loan: a revolving limit or a lump sum? See when each fits your cash flow, how the cost compares, and how to weigh them side by side.
The 121 Brokers Team · · 8 min read
Business Loans
A business finance broker compares lenders on your behalf, matches your file to the right ones and manages it to settlement. What a broker does, and whether it is worth it.
The 121 Brokers Team · · 8 min read
Line of Credit
A business line of credit is a revolving limit you draw on and repay as cash comes in, paying interest only on what you use. Here is how it works in Australia.
The 121 Brokers Team · · 7 min read
Unsecured Business Loans
Bad credit does not automatically rule you out of business finance. Your realistic options, what lenders look at, and the guaranteed-approval myth corrected.
The 121 Brokers Team · · 8 min read
Invoice Finance
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Prof. Wendell Marks DDS · · 6 min read
Equipment Finance
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Noble Hodkiewicz · · 6 min read
Business Loans
What lenders actually want to see in a business loan application, the documents to prepare, the mistakes that cause rejections, and how a broker smooths the process.
121 Brokers Team · · 6 min read
Business Loans
How Australian lenders actually use your credit file: the three gates it has to pass, what sits inside the score, and what your options are if the file needs work.
121 Brokers Team · · 7 min read
Business Loans
A practical guide to startup financial planning in Australia, burn rate, cash flow forecasting, break-even analysis, and how to compare funding options from personal savings to startup business loans.
121 Brokers Team · · 6 min read
Equipment Finance
Equipment finance lets Australian businesses acquire machinery, vehicles and technology without draining working capital. Here is how it works, when it makes sense, and how a broker helps you compare lenders.
121 Brokers Team · · 6 min read
Business Loans
Year-end is the natural moment to stress-test your business finances: review cash flow patterns, build a buffer, line up working capital and enter January prepared rather than exposed.
121 Brokers Team · · 5 min read
