BlogATO & tax debt
ATO payment plans vs short-term loans: when each makes sense
A payment plan is cheaper. It is not always better. Here is how we compare the two when a client has a tax debt and a trading business to keep running.
4 min read
GreyRok Insights
Business loan guides for Australian business owners.
Plain-English guides on short-term business loans, cash flow, tax debt and working capital. Written for owners and brokers who want to know how the decision actually gets made.
Latest
Latest guides and articles
BlogCash flow & working capital
Why we say no, and what changes our answer
Four of the most common declines on our desk, and what the business could fix.
3 min read
GuideCash flow & working capital
Getting your bank statements assessment-ready
The twelve months a credit team actually reads, and the four things that slow an application down.
3 min read
BlogInventory & seasonal peaks
Stock for a seasonal peak: a worked example
A $60,000 order, a 14-week runway, and the arithmetic we used to size it.
3 min read
GuideCash flow & working capital
The complete guide to short-term business loans in Australia
What it costs, when it fits, and the questions to ask any lender before you sign.
5 min read
GuideBank vs non-bank
Director guarantees explained
What you are agreeing to, when it bites, and what to check before you sign one.
3 min read
BlogBank vs non-bank
Bank vs non-bank: what you actually trade away
Speed, paperwork, pricing and flexibility: an honest comparison, including where the bank wins.
3 min read
Tool
Finance terms glossary
Thirty terms from the loan documents, in plain English.
Reference
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Start where your question is.
Bridging receivables, wages and quiet months.
- Why we say no, and what changes our answer
- Getting your bank statements assessment-ready
- The complete guide to short-term business loans in Australia
Payment plans, lodgement gaps and what lenders read into them.
- ATO payment plans vs short-term loans: when each makes sense
- Why we say no, and what changes our answer
Funding stock for a peak you can see coming.
1 article on inventoryWhen short-term beats a five-year term.
- The complete guide to short-term business loans in Australia
- Bank vs non-bank: what you actually trade away
What you gain in speed, what you pay for it.
- Director guarantees explained
- Bank vs non-bank: what you actually trade away
- The complete guide to short-term business loans in Australia
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