A finance application is important for a private business to get a loan.  It affects the interest rate, loan conditions, security required and the speed of the loan application. In practice, most commercial lending decisions are built around five core factors: character, capacity, capital, collateral and conditions. These are known as the 5 Cs of Credit.

Asset protection for private business owners is usually not about one structure or one trust. In most cases, it involves separating trading risk from passive wealth, reviewing who controls key entities, documenting loans properly, and aligning the structure with tax and succession planning.

Asset protection for private business owners is usually not about one structure or one trust. In most cases, it involves separating trading risk from passive wealth, reviewing who controls key entities, documenting loans properly, and aligning the structure with tax and succession planning.

In Western Australia, a deed of partition is one of the most under-utilised tax structuring tools for property developers and their advisers. Used correctly, it allows co-owners of land to divide property so that each walks away owning a defined parcel outright — tailored for their tax strategy – sometimes without triggering unintended tax or duty consequences.