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Think of a General Security Agreement (GSA) as a 'blanket' security net thrown over your entire business, rather than just a mortgage over a specific building. It typically relies on a concept called All Present and After-Acquired Property. This means the lender takes a charge over every single asset your business owns today and anything you buy in the future. If you default, the lender has the right to step in and sell any or all of these business assets to recover their money.

Your borrowing power is calculated based on your ability to make repayments. Generally, lenders will lend up to a point where your net profit can cover the annual loan repayments with a safety margin, usually 1.25 to 1.5 times the repayment amount.

Yes. A bank's credit team assesses risk based on historical data, but a specialist non-bank lender is more comfortable assessing future potential. When we build a case for an acquisition, we are not just showing what the business was; we are proving what it is about to become. In acquisition finance, many specialist lenders will consider the historic performance of the business you are buying to determine serviceability.

Clients frequently overlook "Consultation" or "Exclusivity" clauses, which legally restrict the business from borrowing from other lenders without the primary lender's permission. This can destroy your flexibility, as you cannot stack another loan or use a competitor for a different product without potentially triggering a default. It is vital to find a lender who allows you to work with others so you are not handcuffed to one provider.

The dominant trend is the ATO's aggressive debt recovery campaign, which has shifted from leniency to strict enforcement. If you have a tax debt, you must have a manageable payment plan in place immediately. It is also important to consult with your lender to map out the next 3 to 5 years, ensuring that paying down the ATO debt does not starve your business of the growth capital it needs.

Not necessarily. While residential security often yields the lowest interest rate, many businesses opt for secured finance using business assets only. This usually attracts a slightly higher rate but keeps personal assets separate.

Yes. Refinancing is common when a business has outgrown its original facility. If your turnover has increased or your credit profile has improved since the original loan was taken, you may be eligible for better terms.

Timelines vary by complexity. A standard unsecured business loan can often be settled within 24 to 48 hours. Larger and secured commercial transactions typically take 1 to 2 weeks to allow for valuations and document preparation.

Yes. There are lenders in the market specifically structured to help a business with adverse credit events. They focus on current growth capital needs and future contracts rather than past credit history.