Doug White - Javlin Business Finance Adviser

13/09/2026

Invoiced on the 20th. Paid in 60 days if you're lucky. Wages are Thursday and GST's due.

Making money on paper, sweating on a Wednesday night. Plenty of businesses that went under were profitable right up until they weren't. They just run out of cash and weren’t badly managed.

That's a timing problem, not a margin problem, and you can fund around timing.

Invoice finance, or an overdraft that's actually the right size instead of whatever got set up back in 2023.

Give me a yell if that sounds like you.

13/09/2026

Mini garden project with daugther

11/09/2026

Election's coming, and if history is anything to go by (and I have seen this many times ), property, investment and business all slow down while everyone waits to see which government comes in.

If your business doesn't have two or three months of cash reserves up its sleeve for a slow patch, you don't have to just ride it out and hope. (There is many different providers and products that could suit your needs)

There are ways to get your cash flow sorted now, so you've got breathing room, you're not sweating the next couple of months, and you can keep making decisions on your terms rather than the market's.

Give us a yell if you want to talk it through.

— Doug
Javlin Finance

10/09/2026

Bank's said no. Feels like that's the end of it.

It isn't. Every lender's got their own appetite. Some won't touch hospo this year or if they do they want a high deposit.

Some want two full years of financials and won't shift on it. Some have quietly pulled back from your industry and it hasn't filtered down to the front line yet or the news.

Same deal, same numbers, different answer depending where it lands or more likely the person who is dealing with it.

So before you park the whole idea, worth finding out whether it was your deal that was the problem or just where it went and remember there is other options which does not have to be a bank.

09/09/2026

Everyone comes in stressed about the price. The bank's barely looking at it.

What they want to know is whether the business can service the debt out of what it earns, and whether it still earns that once you've replaced the person who's been running it for 20 years.

That second bit catches people out. Plenty of businesses are worth a lot less the day the owner walks, and the bank knows it even if the seller would rather not discuss it.

Get that sorted before you go near a lender.

08/09/2026

Had this land in my inbox and it's stuck with me a bit.

The advice I gave was don't buy it. Not at that price. The numbers just didn't stack up, so the call was to walk away for now and keep talking to the vendor in case he moves. He's got two of them to sell, so there's every chance he comes back.

Not every job I do ends in a loan. Sometimes the most useful thing I can tell you is that it's a no.

"The most informative and to the point advice I have ever received in the last decade of financial decisions I have ever had to make. I love how you have given it a fair go from my perspective as well as from a financial adviser's."
Ash, property buyer

If you're looking at a property purchase and you want someone to run the ruler over it before you sign anything, flick me a message. No cost, no obligation.

Doug

07/09/2026

07/09/2026

Been a while since I've done one of these, so here's a quick update on where things are at with my cancer.

The main thing I want to say is this: if you're feeling off, or things aren't looking right in the toilet, go and get it checked. Don't sit on it and hope it comes right. The earlier they pick it up, the easier the treatment and the better your chances.

Five minutes to ask the question. Just go and ask it.

04/09/2026

To all the dads out there.

Here is a silly dad joke to end the week.

Be safe and stay healthy.