Most cafés don’t have a “profit problem” — they have a timing problem. This guide shows a simple 3-part cashflow system using a LOC for stock runs, working capital for wage weeks, and invoice finance for catering accounts so you’re not constantly playing catch-up.

Café refrigeration upgrade ladder from display fridge to cool room
Excerpt: If your fridge space is bursting and waste is creeping up, it’s time for an upgrade ladder. Here’s the clean path cafés use to step from small display fridges to a proper cool room—without draining weekly cash.

Once you’ve got staff and subbies, “wage week” hits even when invoices are slow or rain wipes out days on site. This guide shows tradie bosses how to use a business line of credit and working capital loans to smooth wage weeks so the crew gets paid, jobs stay on track and your own cash buffer isn’t smashed every month.

Small builders live on progress claims, but wages, suppliers and subbies need weekly cash. This guide shows how to wrap a simple cashflow plan around stage payments using a business line of credit, working capital loans and invoice finance so you’re not stuck waiting on clients to pay before you can start the next stage.

Rural fencers and on-farm tradies don’t just need a ute — they need loaders, telehandlers and post driver rigs that can keep up with tough yards and laneways. This guide shows when it’s smarter to own than hire, how low doc lenders look at seasonal and mixed farm income, and how to structure repayments so the machine pays its way across fencing and civil jobs.

Plumbers and drainage contractors are burning cash hiring mini excavators and skid steers week after week. This guide shows you when the numbers flip in favour of owning your own digger on low doc terms, how much ABN-strong plumbers can usually borrow, and how to structure repayments so the machine pays for itself in booked jobs.

Wages don’t move in straight lines, but your staff expect to be paid on time. This guide shows clinics how to use a LOC and working capital loans to smooth doctor, nurse and admin payroll without stressing cashflow.

If your clinic is shifting from bulk-billing to mixed billing, this guide shows how to line up cash buffers, finance facilities and staged upgrades so the change doesn’t choke your practice.

Contractor doctors and allied health providers can still upgrade their own gear on smart low doc terms – even if they move between clinics or don’t own the practice.

Dental clinics can upgrade chairs, sterilisers and imaging gear on low doc terms without smashing cash flow. This guide shows the upgrade ladder, funding options and simple examples of how busy practices actually structure their finance.