Self Employed Lending Secrets: How You Can Beat Confusion – with Jeremy Iannuzzelli & Tommy Lim

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Издатель Jan 1, 2026

Self Employed Lending Secrets: How You Can Beat Confusion

Are you self employed or running a business and unsure how banks see your borrowing power? Most business owners don’t realise lenders treat self-employed borrowers very differently from PAYG earners.

In this episode, Jeremy Iannuzzeli chats with, Managing Director and Founder of SF Capital, Tommy Lim about the hidden rules of self employed lending. Learn why ownership structure, business loans, and even dividend payments can impact your personal borrowing capacity.

Get practical tips on timing, preparation, and working with your accountant and broker. Whether you’re starting out or growing your business, this episode shows you how to navigate self employed lending with confidence.

CHAPTERS:
00:00 - Introduction
02:23 - Self-Employed vs PAYG Lending
04:05 - Bank's Risk Appetite for Self-Employed Clients
05:21 - Transitioning from PAYG to Self-Employed
07:18 - ABN and GST Registration Requirements
09:08 - Changing Industries and Lending Risk
10:06 - Entity Structuring and Flow of Income
16:05 - Leakage of Income in Lending Applications
18:23 - Entity Control: Majority vs Minority Ownership
20:24 - Impact of Multiple Business Partners on Lending
23:34 - Business Loans and Asset Lending
27:07 - Principal Repayments and Cash Flow
30:00 - ATO Debt and Borrowing Capacity
34:48 - Comparison to HEX Debt
36:54 - Differences Between Self-Employed and PAYG Lending
39:01 - Messy Accounts and Lending Challenges
40:03 - Preparation and Timing
43:02 - Philosophy of Simplicity in Lending
44:26 - Final Thoughts

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