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What we’d tell you across the table, written down.
Analysis on business acquisition, commercial property, structure and debt, from the credit desk and the building site, not the marketing department.
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The guides
Nineteen are live. More are coming.
This page ships with real analysis or it does not ship. Every figure is sourced, date-stamped and reviewed quarterly.
Business acquisitionBuying a post office: an income Australia Post sets, a licence it approves$635.1 million paid to licensees in 2025-26 as letters fell 14.7%. Rebuild the profit after a fair wage, price the 2026 reviews, plan the 90-day approval, and the 12 deal-killers.Sector guide · free PDFBusiness acquisitionBuying a pub: the building, the trade and the permissions are three purchases$21.3 billion across 6,853 businesses at an 8.1% margin, 18.7% of it from gaming. Choose the structure, rebuild the earnings, stress the gaming, time the licence, and the 12 deal-killers.Sector guide · free PDFBusiness acquisitionBuying an equipment hire business: a fleet that earns only when it is out$13.7 billion across 11,786 businesses at a 15.9% margin. Value the fleet three ways, rebuild the earnings after its renewal, search the PPSR, and the 12 deal-killers.Sector guide · free PDFBusiness acquisitionBuying an architecture practice: the people, the work and the liability tail$8.2 billion across 12,517 businesses at an 11.1% margin. Rebuild the earnings after a market salary, size debt at 2 times, check who may own it, close the liability tail, and the 12 deal-killers.Sector guide · free PDFBusiness acquisitionBuying a transport business: trucks and contracts are two purchases$82.2 billion across 69,684 businesses at a 4.5% margin. Split the price into the fleet and the goodwill, rebuild the earnings, check what does not transfer, and the 12 deal-killers.Sector guide · free PDFBusiness acquisitionBuying a motel: the same motel has three prices$4.1 billion across 2,111 businesses at an 11.0% margin. Passive freehold, freehold going concern or leasehold: three prices for one motel, the rent benchmark, the rebuild and the 12 deal-killers.Sector guide · free PDFBusiness acquisitionBuying a medical, dental or veterinary practice: the goodwill is the loanNine health professions in IBISWorld numbers, what lenders fund without property, the rebuild, payroll tax state by state and the 12 deal-killers.Sector guideBusiness acquisitionBuying a promotional products businessThe advertised return is your wage and your return in one number. Take the wage out, then price the plant, the lease and the working capital.Sector guide · free PDFChoosing a brokerHow to choose a finance broker, and get the most from themThe obvious checks, the pro-level due diligence almost nobody does, and the six habits that get you a broker’s sharpest work.Client playbookBusiness acquisitionHow much deposit you actually need to buy a businessThe two published answers, both sourced and dated, and the workings shown on a $650,000 and a $1 million purchase.Deposit & structureCommercial propertyCommercial property deposits, LVR and ratesWhat a commercial purchase actually needs down, how the LVR is set, and the owner-occupier advantage most buyers never hear about.Deposit & structureBusiness acquisitionBuying an accounting practiceThe seven stages, the 12 deal-killers, and how a fee base is actually valued when you are buying recurring revenue.Sector guide · free PDFBusiness acquisitionBuying a bakery or cake shopThe seven stages, the five documents to ask for first, and the registration trap that catches most buyers after settlement.Sector guide · free PDFBusiness acquisitionBuying a mechanical workshopHow to read the advertised return, what actually prices a workshop, and the 12 deal-killers with their remedies.Sector guide · free PDFBusiness acquisitionBefore you buy a caféNearly 28,000 cafés, a 3.3% margin and almost no moat on goodwill. The rebuild test that should decide your price.Sector guide · free PDFBusiness acquisitionBuying a pharmacy: the regulatory moat, priced properlyAbout $29.9 billion across 4,305 pharmacies at a 5.7% margin. Two businesses in one shopfront, the 60-day dispensing reset, and the 12 deal-killers.Sector guide · free PDFBusiness acquisitionBuying an insurance brokerage: a book is worth what renews with you$24.0 billion across 5,402 businesses at a 27.7% margin built on premium rises. The three ways a book changes hands, the retention test, the rebuild and the 12 deal-killers.Sector guide · free PDFRooming houseRooming house land tax in Victoria: the exemption, properly readThe nine SRO tests, the 2026 tariff caps, what qualifying is worth on a $700,000 site, and the five traps, starting with year one.Sourced & dated · free PDFBusiness acquisitionBuying a brothel: plan the funding before the offerLawful in five jurisdictions under five sets of rules. The lease, the approval and the takings you can verify, what current listings ask, and how purchases are funded.Sector guide · free PDF
ComingDebt & structureThe rate reality checkHow to tell whether your business facility is genuinely above market, and when moving costs more than staying.Analysis
ComingDebt & structureWhat a credit committee reads firstThe order a credit assessor reads your file in, and the thing that makes them stop reading.Analysis
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