Finance in plain words
Short guides to help you borrow with your eyes open. General information, not advice.
Getting started
Avoiding loan scams
The warning signs of a loan scam, how Pay In Time - Finance will and will not contact you, and what to do if something feels wrong.
Read the guideGetting your documents ready
Practical tips for gathering the documents lenders often ask for: ID, income, business records and asset details.
Read the guideHow lenders look at an application
The general things lenders weigh up: ability to repay, history, security, purpose and documents. Plain words, no promises.
Read the guideUnderstanding loan fees
What common loan fees are: establishment, monthly, early payout, late payment and balloon payments, and what to ask for in writing.
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Business
Equipment finance explained
The common ways to finance equipment: loans and chattel mortgages, leases and hire purchase, plus balloon and residual payments.
Read the guideYour first business loan, step by step
A plain guide to a first business loan: know the purpose, check the numbers, get documents ready, compare quotes and read the terms.
Read the guideHow invoice finance works
A plain guide to invoice finance: factoring and discounting, the advance, the fees and who collects from your customers.
Read the guideInvoice finance or a business overdraft?
How invoice finance and a business overdraft differ, what each costs to think about, and questions to ask before you compare.
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Farm & rural
When a season goes badly
If drought, flood, fire or low prices hit, here is what to do about your loans: talk to lenders early, ask about hardship options and get free help.
Read the guideFarm finance through the seasons
How farm cash flow moves through the year: input costs, harvest timing, stock purchases and the gaps in between, and how to plan for them.
Read the guideBuying your first tractor or header
Things to think about before financing a tractor or header: new or used, inspections, running costs and repayments that fit your seasons.
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