Growth · 6 min read
Using Business Finance to Scale: A Practical Guide
How to think about debt when growing an Australian business — sizing the loan, matching terms and measuring return.
Key takeaways
- Borrow against a clear return.
- Match the loan term to the life of what you're funding.
- Keep a cash buffer while you grow.
Borrow against a clear return
Good growth debt pays for itself — a new location, a bigger contract, equipment that lifts output.
Match the term to the asset
Short-term funding for stock and cash flow, longer terms for equipment and fit-outs.
General information only — not financial advice. Consider your circumstances and speak to a qualified adviser.