Guides
Guides for the difficult weeks
Researched, plain-English and written for Australian owners dealing with tax debt, credit problems, complex structures and bank declines. New guides every week.
ATO debtCredit fileStarting againTax and lodgementsComplex structures
ATO Tax Debt on Your Credit Report: The 28-Day Window
Got an ATO letter about disclosing your tax debt? Who qualifies, the 28-day window, how to stop the listing or get it removed, and what lenders then see.
1 October 2026
ATO Interest No Longer Deductible: What Tax Debt Costs Now
GIC and SIC incurred from 1 July 2025 are no longer tax deductible. How that changes the true cost of carrying ATO debt, and how to compare a payout loan.
1 October 2026
How to Explain a Default to a Lender (With a Template)
A default on your credit file doesn't have to sink a business loan. What to write, what to leave out, the evidence to attach and a template you can adapt.
1 October 2026
Running a Business After Bankruptcy: A Practical Restart
Discharged from bankruptcy and starting again? How to set up, become a director again, rebuild credit and get business finance, step by step for Australia.
1 October 2026
Behind on BAS and Tax Returns? A Catch-Up Order That Works
Months or years behind on BAS and tax returns? The order to lodge in, how to talk to the ATO while you catch up, and how it changes your borrowing options.
1 October 2026
Can Your Trust Borrow? The Trust Deed Checklist Lenders Use
Borrowing through a family or unit trust? The trust deed clauses lenders check, the documents they ask for and the problems that slow trust loans down.
1 October 2026Declined once. Let's see what's possible now.
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