Milestones
Growth milestones and the money moves behind them
Quitting the day job, crossing the GST line, becoming a company, landing a stockist, hearing no from the bank. What each moment means for funding.
Under six months trading
Trading under six months and need funding? What Australian lenders can and can't do for very new businesses, the property route and what to build first.
Read more →Going full-time
Quitting your job to run your side hustle full-time? The numbers to check first, how lenders see the change and how to fund growth, not your salary.
Read more →GST at $75k
About to pass $75,000 GST turnover? When to register, the 21-day rule, pricing decisions and how GST changes your cash flow and unit economics.
Read more →Becoming a company
Moving from sole trader to a Pty Ltd company? What changes for tax, liability, records and business borrowing, including guarantees and trading history.
Read more →First wholesale order
A retailer wants to stock your brand. How to fund the production, packaging and payment-terms gap of a first wholesale order — and check the margins first.
Read more →Bank said no
Your bank declined your startup or small business loan. Why young businesses get knocked back, what to fix first and where to look next without harm.
Read more →Raise or borrow
Should you raise equity or take on debt? A plain-English comparison of dilution and repayments for Australian founders, with an illustrative worked example.
Read more →Home equity for a startup
Thinking of using home equity to fund a new business? How property-secured business loans work in Australia, the real risks and the questions to ask.
Read more →Got the numbers? Let's see what they can fund.
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