ATO tax debt changes 2025: How they’ll affect your business

Businesswoman calculating taxes at her desk

Having a commercial tax debt as a business owner isn’t uncommon. According to the Commissioner of Taxation at the ATO, Rob Heferen, small business tax debts made up around 65% of all debt owed to the ATO, as of April 2024. This places them at well over $30 billion in the red. However, the way […]

Instant asset write-off 2025: How your business can save on tax

Man operating a forklift lifting wooden pallets

With up to $20,000 to play with, the instant asset write-off is there to help a wide range of businesses. Whether you’re a family catering operation looking for a commercial oven or a construction firm in the market for some new equipment, writing off eligible assets frees up more cash for your business at the […]

Home & Business Lending is Surging Where Is It All Heading?

Lending data – known as the lending indicators – is published each month by the Australian Bureau of Statistics. It shows us all the relevant Australian borrowing statistics – including mortgage commitments, personal loans, and business loan commitments across different categories. In this analysis, we will be focusing on changes in mortgage and business loans […]

Hire purchase

Man driving truck

A hire purchase is a flexible and cash flow neutral finance solution for business looking to eventually own cars, equipment, or long-term assets. Repayments can be tailored to your business cycle. You can reduce repayments using a balloon payment (residual value) payment, due at the end of the loan term. A hire purchase doesn’t require […]

Chattel Mortgage

Businessman driving car

A chattel mortgage is a type of loan that allows you to purchase an asset for business purposes. This can include cars, vehicles like vans, buses, trucks and tractors and other specialised commercial equipment. However, motor vehicles are the most common use for these loans. How do chattel mortgages work? Chattel mortgages work in a […]

Business Loan Repayment Calculator

Business Loans Banner - Business owners calculating their loan repayments on a laptop

Calculate your business loan repayments How to use Savvy’s business loan repayment calculator Crunching the numbers on your repayments is easy with Savvy’s business loan calculator. Simply follow these steps: Enter your desired loan amount (up to $300,000 for unsecured business loans or $5,000,000 for secured) Select a loan term between one and seven years Enter the […]

Business Line of Credit Loans

Business owner checking laptop at counter

A line of credit is a type of business finance that allows you to borrow funds in smaller chunks as you need them. You’ll be approved to borrow up to a set limit, meaning you can withdraw funds up to that limit at any time without seeking approval. For instance, if your limit was $200,000, […]

Low Doc Business Loans

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A low doc (low documentation) business loan is designed for businesses that don’t have the full set of financial records typically required for traditional loans. This type of finance can be ideal for: Self-employed individuals who may not have detailed tax or reporting documents Startups that are still building their financial track record Small business […]

Unsecured Business Loans

Business Loans Banner

Unsecured business loans are flexible loans that don’t require you to put up an asset as collateral, making them more widely available to businesses of all sizes. They’re designed to be used for a variety of different purposes, rather than buying a specific asset (like a chattel mortgage to buy a car or equipment, for […]

Agriculture Finance

Tractor in a field on a farm

Flexible agricultural loans and leases tailored to you Agriculture finance is simply the blanket term for a range of different products that can help you access the assets your agribusiness needs. When it comes to financing purchases for your business through Savvy, you’ll have a few different options to choose from, all of which require […]

Truck Finance

When you’re in the business of hauling heavy-duty plant and equipment, you need a truck to match. That’s where a cashflow-positive, tax-effective truck finance deal through Savvy can help you out. Whether you’re looking to buy one for your small business or lease a fleet for your larger-scale operation, we’ll compare your options among our […]

Business Loan Broker

Business Loans Banner - Business loan broker shaking hands with business owners

A business loan broker performs the same function a mortgage broker does for homebuyers: they help prospective borrowers find the best business loan deal suited to them. They can do this by drawing from a range of established partnerships with lenders, relationships which place them in a position to better understand the requirements of each […]