Comparing offers
Comparing business loan offers
Once offers arrive, the headline number rarely tells the whole story. How to line up total cost, fees, repayment frequency, term, early payout and the security you're signing.
Total cost
How to work out the total cost of a business loan in dollars and compare offers fairly when terms, fees and repayment frequencies are all different.
Read more →Fees
Business loan fees in Australia explained and compared: establishment, account, line, valuation, legal, early payout, default and broker fees, in plain English.
Read more →Repayment frequency
How to compare daily, weekly, fortnightly and monthly business loan repayments on the same footing, and choose the frequency that suits your cash flow.
Read more →Loan term
How long should a business loan run? Compare short and long terms on repayments, total cost and risk, and match the term to what you're funding.
Read more →Early payout
What happens when you repay a business loan early: break costs, payout fees and fixed totals compared, so you know what you'd save before you sign.
Read more →Guarantees and security
Personal guarantees, general security agreements, mortgages and caveats compared: what each gives a lender, what's at risk and what to check before signing.
Read more →Letter of offer
A practical checklist for reading and comparing business loan letters of offer: amount, term, repayments, fees, security, conditions, covenants and default.
Read more →See what your business could qualify for
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