Guides
Business funding, explained plainly.
Plain-language guides from the Trade Funding team: how to compare business funding, what each product is for, and what it costs.
All guides
Start with your question.
Compare and choose
Products explained
- Business term loans explainedFixed vs flexible terms, interest rates, and loan structures for working capital and expansion.
- How a business line of credit worksDraw what you need, repay flexibly, and avoid paying interest on unused facility limits.
- Business overdrafts explainedManaging seasonal cash flow buffers against everyday commercial transaction accounts.
- Business charge cards explainedTeam spending and expense control for Australian businesses.
Costs and fees
- How to compare a business loan offerWhat separates a good business loan from an expensive trap. True annualised rates, origination fees, PPSR exposure, director guarantees and what credit committees look for, broken down.
- Business loans with bad credit: what’s realisticHow non-bank and private lenders assess trading history when the major banks say no.
Your questions, answered.
No credit file impact · No cost to compare · No obligation
Who writes these guides?
The Trade Funding team, with 35+ years of combined lending and finance experience at lenders, non-banks and fintechs.
Are the guides financial advice?
No. Like our comparison results and indicative rates, they’re general information, not financial advice. Read each product’s disclosure documents, and seek independent advice where appropriate.
Are the rates in the guides what I’ll pay?
No. The guides show indicative market ranges, not quotes. Your Compare Report shows the options you qualify for, matched against your own profile.
How do we get paid?
Comparing costs you nothing. Not comparing can cost you plenty.
The headline rate rarely tells the whole story. Fees, charges and loan terms can add far more to what you repay. That’s why your Compare Report shows every cost we can identify side by side.
In most cases, the lender pays us, and only if you decide to proceed with their product offer. For more complex deals, or where the lender pays us little or nothing, we may charge a fee for our service. It doesn’t happen often, but when it does, it’s shown on your Compare Report and we’ll walk you through it before you decide.
No obligation to proceed, ever.
Where should I start if I’m new to business finance?
Start with the featured guide, How to compare a business loan offer: it breaks down true annualised rates, origination fees, PPSR exposure, director guarantees and what credit committees look for. For terms like PPSR or chattel mortgage, see the plain-English glossary on our Resources page.
See your options, side by side.
No credit file impact · No cost to compare · No obligation
Or talk to us: 1300 161 641 · support@tradefunding.com.au