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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
Twelve 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.
Choosing 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 PDFBusiness acquisitionBuying a motel: the same motel has three pricesLeasehold, freehold going concern or passive freehold: three transactions, three deposits, three risks, and the benchmark that connects them.Sector guide · free PDFBusiness 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 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 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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