The Complete Guide to Business Finance for Aussie Ecommerce Businesses

A comprehensive guide to business loans, lines of credit, trade finance, and more – helping you choose the right funding for your online business.

Understand 7 types of business finance: loans, credit lines, overdrafts, invoice finance, and more
Compare traditional banks, non-bank lenders, and platform lenders with real cost examples
Learn which financing option suits your specific business situation
Discover how to reduce financing costs by 50% or more
Get practical frameworks for choosing the right lender

The Smart Ecommerce Owner's Guide to Business Finance - Save $50,000+

20 Page eBook (PDF)

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What's Inside The Guide

A comprehensive education on all business financing options available to Australian ecommerce businesses

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Business Loans & Lines of Credit

Understand how term loans and credit facilities work, their costs (6-24% p.a.), and when each option makes sense for your specific business needs.

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Overdrafts & Working Capital Solutions

Learn about overdraft facilities and their role as financial safety nets, plus when they help versus when they become expensive traps.

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Invoice & Trade Finance

Discover specialized finance for B2B sellers and importers. Turn unpaid invoices into cash and align supplier payments with sales cycles.

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Vehicle & Equipment Finance

Explore asset-based financing options that preserve working capital while funding essential business equipment and delivery vehicles.

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Understanding Different Lenders

Compare banks (6-12% p.a.), non-bank lenders (12-24% p.a.), and specialists with clear criteria for who qualifies and when each makes sense.

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Platform Lenders: The Convenience Trap

Understand why Shopify Capital, Wayflyer & others charge 40-60% effective rates and when (rarely) they might be justified.

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Making the Right Choice

Practical decision framework for matching your business situation with the optimal financing mix. Includes real case studies.

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Your Action Plan

Step-by-step guide to assess, research, apply, and implement better financing. Turn knowledge into immediate cost savings.

Real Results from Aussie Ecommerce Owners

See how businesses just like yours escaped expensive platform lending

"This guide helped me understand all my financing options. I had no idea there were so many alternatives to platform lending. Switching to a proper line of credit saved us $25,000 annually."

Sarah C.

Activewear Brand, Melbourne

"The section on trade finance was eye-opening. We were using Wayflyer with daily repayments when there were better & cheaper options designed specifically for importers."

James W.

Outdoor Furniture, Brisbane

"Was juggling 4 platform lenders with daily deductions everywhere. The calculator showed I was paying 50%+ interest! Used the guide to consolidate everything and now save $3,000+ monthly."

David Kim

Tech Accessories, Sydney

Your Path to Financial Freedom

Download Guide

Get instant access to the complete 32-page ebook

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Calculate Savings

Use our calculator to see your potential savings

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Follow The Plan

Implement our 30-day transition roadmap

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Save Thousands

Enjoy lower costs and better cash flow

Frequently Asked Questions

Everything you need to know about the guide

Is this really free?

Yes, absolutely free! We're giving away this $97 guide at no cost because we know once you see how much you can save, you might want our help implementing these strategies. But there's no obligation - the guide is yours to keep and use.

Who is this guide for?

This comprehensive guide is perfect for Australian ecommerce businesses doing $500K+ in revenue who want to understand all their financing options. Whether you're currently using platform lenders, traditional loans, or just starting to explore funding, you'll learn how to make informed decisions.

What financing options does the guide cover?

The guide covers business loans, lines of credit, overdrafts, invoice finance, trade finance, vehicle finance, and equipment finance. We explain how each works, costs, pros/cons, and when to use them. We also compare different types of lenders including banks, non-bank lenders, and platform lenders.

What if I have bad credit?

Perfect! The guide covers multiple non-bank lenders who work with businesses that banks reject. You'll learn about options for businesses with ATO debts, defaults, or limited trading history. Many alternatives don't require perfect credit.

How quickly can I save money?

Most businesses can start saving within 2-3 weeks of implementing our strategies. The guide includes a 30-day action plan, but many readers secure better financing even faster. Every day on platform lending costs money, so the sooner you start, the more you save.

Who is Splendid?

Splendid is a leading Australian business finance broker specialising in ecommerce. We've helped lots of online retailers access better financing options, with relationships with 40+ lenders. Our team understands the unique challenges of online retail.

Do I need to work with Splendid after downloading?

Not at all! However, if you want expert help navigating lenders and securing the best rates, we're here to help - but there's zero obligation.