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Understanding small business loans

Making sense of my financials

A simple guide to help you understand your financials including balance sheet, profit and loss, annual view and interim statements.

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How much can I borrow against my asset?

Find out your borrowing power when applying for a business loan, what assets are acceptable and what to do if you want to sell your asset before your business loan is repaid.

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Can I ensure my business loan application is accepted?

What criteria do we use to approve business loan applications and how you can improve your likelihood of acceptance.

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Do I need a guarantor for my business loan?

A guarantor for your business loan is needed if you don’t have an asset as security. A guarantor will meet your business loan repayments if you can’t.

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What can I use as security for my business loan?

Learn about security and what type of asset is acceptable to secure a business loan.

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Can I sell the property I’m using to secure my loan?

If you’re using your property to secure a business loan, what happens if you want to sell it before you’ve repaid the loan? Will your lender allow you to sell your asset and what are the requirements?

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