Attention business owners
Great Business. Good Money. Nothing To Show For It.
Your revenue's up. Your hours are up. Your tax bill's up. But outside your business, you own exactly what you owned three years ago.
Let Me Guess How Your Year Went…
You were first in and last out. Again.
A big client paid late, so you floated wages out of your own pocket. You paid your staff, your suppliers and the tax man. You paid yourself last. If at all.
Every spare dollar went back into the business. A new ute. A new hire. New equipment. Then the tax bill landed and whatever was left was gone.
You told yourself, "Once things settle down, I'll sort out my own finances." You said the same thing last year. And the year before.
Meanwhile, a mate on a salary just bought their second investment property. You earn more than them.
So you finally called the bank. They looked at your tax return and told you that you can't borrow much. The same tax return your accountant worked so hard to keep low.
And somewhere in the back of your mind is the thought you don't say out loud: "If I stopped working tomorrow, what have I actually got?"
If that's you, you're not bad with money. You're stuck in a system that keeps every dollar inside your business. And it's not your fault.
Does This Sound Like You?
- ✓You check the business account at 10pm because you can't switch off
- ✓Your business account looks healthy. Your personal one doesn't
- ✓You haven't had a holiday without your phone in years
- ✓You've been "about to" buy an investment property for years
- ✓Your accountant says "good news, low tax." Then the bank says you can't borrow
- ✓You've been told no by a bank, or offered way less than you expected
- ✓Your partner keeps asking, "When are we actually going to get ahead?"
- ✓Your retirement plan is basically "sell the business one day"
If you ticked even two of these, this page was written for you.
Here's what most business owners don't know
Your Tax Return Isn't The Only Way To Prove Your Income
Most banks only look at your taxable income. That's the number your accountant works hard to keep low. So you get told you can't borrow much.
That means the money your business actually brings in can count towards what you can borrow. Not just what's left after your accountant's done their job.
Lender criteria apply. Options depend on the lender and your circumstances.
Here's What You'll Get On Your Free Call
It's 100% free. If I can't help, I'll tell you straight.
Real clients. Real reviews.
Don't Just Take My Word For It
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Hi, I'm Damian
I'm the founder of Margin Finance. In 2013 I left my corporate job with no savings and no backup, and built a lending business from nothing.
I'm a business owner too. I know what it's like when the business takes every dollar and every hour.
That's why I only work with business owners. I know how your finances work, and I know which lenders will actually look at them properly.
Is This For You?
This is for you if…
- ✓You own a business that's making money
- ✓You want to own property outside it
- ✓You think you can borrow more than you've been told
This isn't for you if…
- ✕You want a get-rich-quick scheme
- ✕You want tips on what to buy
- ✕You're happy with where you are
Book your free call
Pick A Time That Suits You
20 minutes on the phone with me. No cost, no obligation, no pressure.
Questions
Can I borrow if my taxable income is low?
Often, yes. Some lenders can look at your business revenue, BAS and bank statements, not just your tax return.
Does it cost anything?
The call is free. In most cases my service is too, because lenders pay me when your loan settles. If any fees apply, I'll tell you upfront.
Will you talk to my accountant?
Yes. I'm happy to work with them so everything lines up.
I'm busy. How much time will this take?
20 minutes for the call. After that, I do the heavy lifting.
Next Year Will Look Exactly Like This Year. Unless Something Changes.
P.S. If a bank has already told you no, that's exactly when you should book a call. One bank's no is just one bank's no.
P.P.S. Your tax return isn't the full story. Let's look at what your business really brings in.