Guides
Guides for your second attempt
Researched, practical and kind. Written for Australian owners rebuilding after a knock-back.
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Business Loan Declined? A 30-Day Plan to Try Again
A practical 30-day plan after a business loan decline: week-by-week steps to find the reason, fix what you can and make one well-matched application.
18 October 2026
How to Get Your Free Credit Report in Australia, Step by Step
How to get your free credit report from Equifax, Experian and illion, what each section means, and how to fix errors after a business loan decline.
18 October 2026
ATO Payment Plan Before You Borrow: A Business Guide
Why an ATO payment plan can make a business loan easier to get, how to set one up, what lenders want to see and when clearing the debt is the better option.
18 October 2026
How to Write a Letter of Explanation for a Business Loan
How to write a letter of explanation for a business loan after a decline: a simple structure, examples for defaults, tax debt and insolvency, and what to skip.
18 October 2026
Exit Strategy for a Private Business Loan: How to Plan
How to build an exit strategy for a private, caveat or short-term business loan: the main exit types, evidence lenders want, backup plans and timing buffers.
18 October 2026
Catching Up on Overdue Tax Returns Before Applying
A practical order of work for catching up on overdue business tax returns and BAS before applying for finance, and what lenders accept in the meantime.
18 October 2026
Director Penalty Notices and Business Borrowing Explained
What an ATO director penalty notice means for company directors, why lenders ask about it, and how timing affects your options when seeking business finance.
18 October 2026
Borrowing After Bankruptcy: A Realistic Business Timeline
A stage-by-stage timeline for business borrowing after bankruptcy or a debt agreement in Australia: what's possible during, at discharge and in the years after.
18 October 2026See what your business could qualify for
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