Your Business Loan Guy

29/04/2026

Is your cash flow holding your business back?

When funds are tied up in stock or unpaid invoices, it can be harder to act on growth opportunities. A smart working capital strategy can help you:

Expand with confidence – Take on larger projects or secure bulk orders

Smooth out cash flow – Stay steady through seasonal peaks and dips

Invest strategically – Back innovation, people and growth initiatives

Move quickly – Say yes when the right opportunity comes along

Is your cash flow holding your business back?

Download the guide as to how we can help

https://bit.ly/4lEx2nL

16/04/2026

For all you networkers out there, love to see you at D32 Wanneroo

13/04/2026

In the current interest rate market which has been moving dramatically, if you haven't done a spot check in a while, there’s a fair chance you’re not on a sharp deal.

What's another way to try and reduce your effective interest cost yo ask?

Did you know some lenders offer up to 10 x 100% offset accounts on your home loan?

Why offsets matter:

✔ Reduce interest without locking funds away
✔ Separate cash for tax, savings, or projects
✔ Keep your structure clean and flexible

Not all lenders offer multiple offsets - and the difference can be significant.

If you haven’t reviewed your rate or loan structure lately, now’s a good time.

Reach out if you want a quick, no-obligation check 👇

07/04/2026

DEVELOPMENT FUNDING

Doing a development?

Don’t let GST quietly blow a hole in your funding.

A simple strategy - use an overdraft to cover the GST component of each progress claim, rather than rolling it into your loan.

Here’s why it works:
✔ Keeps your loan funds intact for the build
✔ Avoids nasty shortfalls at completion
✔ When you lodge your BAS, the GST refund goes straight back to the overdraft - net effect = nil

It’s a small structural move that can make a big difference to your cash flow and project outcome.

If you’re planning a development or want to structure things properly from the start, reach out 👇
Your Business Loan Guy

The content of this post is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

31/03/2026

Strong business… but cashflow tight? 📉

You’re busy. You’re profitable.

But the cash just isn’t landing when you need it.

Slow-paying customers can create real pressure.

In some cases, you can unlock cash tied up in your invoices and access working capital that moves with your business — without relying on property.

If that sounds like you, happy to have a chat.

Shaun
Your Business Loan Guy

The content of this post is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

30/03/2026

24/03/2026

Whether purchasing or re-financing existing debt I can help.

23/03/2026

Commercial property owners 👇

Do you have debt under $1.5M and feel stuck on a high interest rate because you can’t quite show serviceability on paper?

This is specifically for owner-occupied properties — where you run your business from the premises (not leased out).

What if there was another way.
In some cases, it’s possible to refinance using:

✔ Application form
✔ 12 months of statements
✔ A self-declaration of affordability

No full financials required.

If the new loan results in a lower repayment than what you’re currently paying, there may be a pathway forward — even if you’ve been told “no” elsewhere.

And yes… potentially on a 30-year term.

Interested?
Reach out and I’ll let you know if it could work for your situation.

Shaun Lawson
Your Business Loan Guy

The content of this post is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

13/03/2026

When was the last time you reviewed — or even considered — your insurance cover? 🤔

Life changes.
Businesses grow.
Families evolve.
Debt positions shift.

But many people set up life insurance or income protection years ago and rarely revisit it.

That could mean:

• You’re paying more than necessary
• Your cover no longer reflects your current circumstances
• You may not even realise what cover you already have inside your super
• Or you may not have any cover at all

The types of cover that can be reviewed include:

• Life insurance
• Total & Permanent Disability (TPD)
• Income protection
• Private health insurance

The reality is that the younger and healthier you are when cover is arranged, the easier and often cheaper it can be to obtain.

I have access to a general advice review service that allows people to check their position at no cost, without needing to engage a financial planner.

Through this service you can:

✔ See pricing for life insurance inside and outside super
✔ Compare income protection options inside and outside super
✔ Understand what level of cover may be available
✔ In many cases adjust or amend insurance cover within your existing super fund
✔ Be referred to private health funds that may offer cashback incentives

Importantly, this is general advice only.

They review your circumstances and present options and pricing, but do not provide personal financial advice.

****There is no cost to go through the process.****

If you would like to know more, reach out to me and I can refer your details on.

Shaun Lawson
Your Business Loan Guy

The content of this post is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

11/03/2026

Did you know some lenders can now connect directly to your accounting software? 📊

For many businesses using platforms like Xero or MYOB, there are lenders who can securely link into your accounting data and assess performance quickly.

In some cases, this can lead to an indicative answer or term sheet within around 48 hours — of course subject to verification and further assessment.

It doesn’t replace proper due diligence, but it can provide an early indication of whether funding may be viable before going too far down the track.

For business owners looking to access working capital, fund growth, or smooth cashflow, this technology is changing how quickly opportunities can be assessed.

If you’re curious about how these options work, feel free to reach out for a chat.

Shaun Lawson
Your Business Loan Guy

The content of this post is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

09/03/2026

No two finance scenarios are ever the same — and that’s what makes the job interesting.

Recently I’ve helped:

🚗 A car purchaser secure asset finance using their ABN
🏡 A first home buyer take their first step into the market
🔁 A client refinance and improve their lending position
📊 A business owner with ATO debt access equity from their property to get back on track
📈 A company leverage its balance sheet to fund expansion and growth

From business lending, to asset finance, to helping clients unlock the value in their balance sheet, every scenario requires the right structure.

Different clients. Different challenges. Different solutions.

Helping people navigate those options and structure finance properly is what I do.

If you’d like to explore what might be possible in your situation, feel free to reach out for a chat.

Shaun: 0429 780 733