Step 3 · Pick your moment
Money moments: when a business usually needs finance
Tax time, new hires, a big contract, a slow-paying customer. The everyday moments that turn into funding questions, and three ways through each.
- 1
Pick the page that sounds like you
Each page opens with a quick answer, then three steps: what it is, who it suits and how to get it.
- 2
Check the fit
Compare security, speed and paperwork. Not sure? The 1-2-3 finance finder narrows it down in three questions.
- 3
Ask a real person
A 60-second enquiry with no credit check. A specialist calls you with the option that actually fits.
6 pages in money moments
The business moments that lead to a finance question — BAS time, hiring, buying a business, seasonal gaps and big contracts — with three ways through each.
BAS time cash flow
Worried about paying your BAS? Three ways through: lodge on time and set up an ATO payment plan, fund it with finance, or fix the cycle so it doesn't recur.
Read the 1-2-3 →Hiring and Payday Super
Planning to hire? How Payday Super changes your cash flow, the true cost of a new employee, and three steps to funding the gap until they pay their way.
Read the 1-2-3 →Buying a business
How to finance buying an existing business in Australia: due diligence that lenders value, building the full budget, and three ways to fund the purchase.
Read the 1-2-3 →Seasonal cash flow
Run a seasonal business? Map your peaks and troughs, line up a facility before the quiet months and repay in the busy ones, in three simple steps.
Read the 1-2-3 →Late-paying customers
Customers paying late? Three steps: chase smarter using business.gov.au's approach, unlock the cash with invoice finance or a facility, then fix your terms.
Read the 1-2-3 →Winning a big contract
Just won a big contract? How to fund staff, materials and equipment before the first payment arrives, with a simple three-step plan for the cash gap.
Read the 1-2-3 →Keep going
Step 1 · Know your options
Business loan options, explained in three steps
Twenty-seven ways to fund an Australian business. Each one broken into three plain steps: what it is, who it suits, and how to get it.
Open loan options →Step 2 · Get ready
Get loan-ready: eligibility, documents and borrowing power
What lenders check, what paperwork to gather and how much you can sensibly borrow — sorted before you apply.
Open get ready →Free tool
1-2-3 finance finder
Three questions, then the loan types that fit, what to prepare and your next step.
Try the finder →See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to ask
One match, not a mailout
A real person on your file