Small Business Finance Articles

Small Business Finance recommends the following articles which we hope you find of interest.

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Business Loans Articles

Alternative Lending for Small Businesses in Australia: Options, Benefits and Risks

Alternative lending gives small businesses access to finance outside traditional banks. This guide explains common non-bank funding options, how they differ from bank loans, and what Australian business owners should review before applying. - read more

Business loan eligibility and documents in Australia

Australian small business loan applications are usually assessed against your trading history, cash flow, credit profile, loan purpose and supporting documents. This guide explains what lenders commonly review, what paperwork to prepare and how low-doc applications differ from full-doc loans. - read more

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

Finance News

ASIC Private Credit Warning Puts Non-Bank Funding Under the Microscope

10 Nov 2026: Paige Estritori

ASIC’s latest private credit surveillance, released on 10 November 2026, is a timely reminder that the funding source behind a business loan can matter almost as much as the headline rate. While the regulator’s report is primarily focused on investor disclosure and fund governance, Australian SMEs watching the non-bank lending market should also note the broader message: complexity, unclear fees and weak transparency can create risks for everyone connected to a credit chain. - read more

ATO Credit Card Delay Buys Time, Not Certainty, for SMEs

03 Nov 2026: Paige Estritori

Australian small businesses that use credit cards to manage tax payment timing have been given extra breathing room, after the federal government confirmed the ATO will continue accepting credit card payments until 30 June 2027. The reprieve follows backlash over the ATO’s earlier plan to stop direct credit card payments after 30 November 2026, a change linked to the national card surcharge reforms that began on 1 October. - read more

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Knowledgebase

Loan-to-Value Ratio (LTV):
A ratio that compares the value of the loan to the market value of the property securing the loan.

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IMPORTANT: This website provides general information, tools and resources and does not take into account your objectives, financial situation or needs. We do not provide personalised financial advice or credit assistance, accept finance or insurance applications or quote requests, or refer visitors to brokers, lenders or insurers. We do not select, recommend or arrange products or providers for you. Consider seeking advice from a suitably qualified adviser before acting on the information. You should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.