How lenders read your returns, add-backs, alt-doc and low-doc, equipment finance, working capital, and why ATO debt now costs 11.43% and is not deductible.
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Every figure is dated and traceable to a public source. The last section of the guide lists them.
Add-backs, one year vs two, company and trust structures, and why lender choice moves the number.
Chattel mortgage vs lease, balloons, overdrafts, invoice finance and the permanent $20,000 write-off.
GIC at 11.43% and no longer deductible, which lenders will still lend, and how to clear it at settlement.
What each facility costs and what it is for
Full doc lending when the income is yours
When the returns are not there yet
Trucks, plant, fit-out and the permanent write-off
Funding the gap between paying and being paid
The most expensive money in your business
Rates, the DTI cap and the tax reform
What to do, in order, and what to bring
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