Where the line sits
Personal or business borrowing? The owner's questions
Personal loans, credit cards, money in and out of your company, tax questions for your accountant and the tangle of personal and business debt — answered plainly.
Personal loan for business?
Should you use a personal loan for your business? The honest trade-offs against a business-purpose loan: structure, records, security and what lenders see.
Read more →Personal cards for business
Paying business costs on a personal credit card? What it does to your records, credit file and future borrowing — and cleaner ways to fund the business.
Read more →Mixing personal and business debt
Mixing personal and business debt costs owners in tax headaches, harder loan approvals and risk at home. How to spot the tangle and start separating it.
Read more →Separate your finances first
A practical clean-up plan to separate personal and business finances before a loan application — accounts, cards, drawings, records and what lenders check.
Read more →Is the interest deductible?
Is business loan interest tax deductible in Australia? What the ATO says in general terms, where mixed use complicates it, and what to ask your accountant.
Read more →Director loans to the company
Put your savings or home equity into your own company? How a director loan account works, how lenders read it, and why getting it documented matters.
Read more →Money out of your company
Taken money out of your company that wasn't wages or dividends? How Division 7A works in plain terms, why lenders ask about it, and how to tidy it up first.
Read more →Refinance business debt off personal cards
Business costs stuck on personal cards? When that debt can be refinanced into a business-purpose loan, the proof lenders want, and the pitfalls to avoid.
Read more →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 enquire
One person, not a lead list
A real conversation