Business finance guides | Atlas Funding

Business finance guides.

Start with the decision in front of you: compare a loan offer, prepare a funding request, plan a cash gap or assess an equipment purchase. Each guide explains the figures and questions to take into your next finance conversation.

Start with your needs. Review your details before sending an enquiry to Atlas; this is not a lender application.

I have a loan proposal to compare

Begin with the cash the business will receive and the full payment schedule. Then check fees, final payments, security and the cost of changing course. A lower regular repayment is only one part of the comparison.

I need to prepare a funding request

Gather the records that explain who is borrowing, what the money will fund and where repayments will come from. Use the checklist to identify missing information before you start a finance conversation.

Build a business-loan document checklist Distinguish personal and business borrowing Track your preparation

I need to cover a gap before customers pay

Choose the guide that matches how your cash moves. Weekly trading, a supplier deposit, a progress claim and an unpaid invoice create different schedules. Check the date and size of the gap before choosing a finance structure.

Build a 13-week cash-flow forecast Plan a purchase-order cash gap Plan contract costs and progress claims Understand an invoice-finance funding base Plan line-of-credit drawings and repayments

I am buying, leasing or replacing equipment

Compare the period you need the asset, the cash paid while using it and the obligation left at the end. Then test whether realistic paid work supports those commitments.

Compare an equipment loan with leasing Understand balloon payments Connect equipment costs with billable hours

Use the guides alongside your actual documents

The examples use stated assumptions to make a decision easier to inspect. Your written quote or agreement supplies the actual repayment dates, charges and obligations. Keep those documents beside your calculations and note any difference you need explained.

Common questions

Are these guides personal financial advice?

No. They provide general information and do not assess your circumstances or recommend a specific loan.

Further readingAustralian Government — preparing for a business loan ↗

General information only. Product terms and availability vary. Check the actual proposal and obtain advice appropriate to your circumstances.