Start with the way your business receives money
Inventory purchases can absorb cash well before stock is sold. Seasonal demand and changing margins can make it difficult to address old tax debt while funding the next buying cycle.
A business loan may address an existing ATO balance, but it must fit the business’s ongoing costs. No industry-specific approval policy, success rate or specialist case study has been supplied for this website.
Bring a realistic forecast to the conversation
Your accountant can help establish the debt and test repayment capacity. Lender criteria differ, and an initial conversation is not a guarantee of funding.
- Show stock purchase and sales timing.
- Test repayments against slower inventory turnover.
- Include rent, staffing and future BAS obligations.
Choose a structure, not just a repayment figure
Secured or unsecured lending can involve different risks, guarantees and costs. Compare the total amount repayable and consider the consequences if trading slows. Where viability is uncertain, ask for appropriately qualified advice before borrowing.
