Documents and figures
Linking the numbers to the loan
Which document proves what, and which loan type it points to: BAS to cash-flow lending, P&L to servicing, property equity to secured.
The quick map
Which document links to which loan
Each document proves something different. Here's the strongest link for each.
BAS → cash flow lending
How lenders use BAS statements for a business loan: turnover trend, lodgement discipline and GST collected, and why BAS links closely to cash flow lending.
Read more →P&L → servicing
How lenders read your profit and loss statement for a business loan: servicing, add-backs, trends and why profit, not turnover, decides what you can repay.
Read more →Property equity → secured
How property equity links to a secured business loan: LVR, first and second mortgages, caveats, the documents lenders need and when security helps most.
Read more →Bank statements → unsecured
How lenders read business bank statements for an unsecured loan: deposits, balances, dishonours and existing repayments, and how to tidy them up first.
Read more →ATO statement → tax position
How to download an ATO account statement for a business loan, what lenders look for in it, and how payment plans and tax debts affect your options.
Read more →Aged debtors → working capital
How business lenders read an aged debtors report: who owes you, how overdue, customer concentration and how it links to lines of credit and cash flow loans.
Read more →Accountant-prepared financials
Applying for a business loan with accountant-prepared financials? What lenders read in them, which loans they unlock and how to keep them current.
Read more →Structure documents
The structure documents a lender asks for by business type: ABN for sole traders, ASIC extracts for companies, trust deeds for trusts, and guarantees.
Read more →Tax returns → income proof
Why lenders ask for business and personal tax returns and notices of assessment, how many years, what they cross-check and what if returns aren't lodged.
Read more →See what your business could qualify for
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