Data sources

Where the numbers on this site come from

Every external source cited inline anywhere on ecommerceloans.com.au is listed below: what it’s used for, where it’s cited, and whether it’s an independent source or a lender describing its own product.

We fetch and confirm a source directly before citing it. We don’t cite from memory and we don’t cite a competing broker or lender’s marketing content as the source for a fact. See our editorial policy for the full standard this table is held to.

Last reviewed: 18 September 2026. Every external link on this page was checked on that date.

Independent sources

Government, regulators and independent professional firms, none of which are a lender or a competing broker.

Source	Used for	Cited on
Reserve Bank of Australia	SME lending market conditions, non-bank lending share, cash rate and Financial Stability Review data	Business loan declined?, ATO debt and insolvency, Finance broker vs bank, Business term loans, Business overdrafts
MoneySmart (ASIC)	General guidance on loan declines and borrowing	Business loan declined?, Business term loans
business.gov.au	Start-Up Finance Package eligibility, instant asset write-off threshold, broker payment model	Startup business loans, Chattel mortgage vs finance lease, Finance broker vs bank
Australian Taxation Office	Payday Super start date, ATO payment plan guidance, and the instant asset write-off limit and eligibility	EOFY cash crunch, ATO payment plan, Chattel mortgage, Asset finance, Chattel mortgage vs finance lease
PKF Australia (accounting & advisory firm)	GST timing differences, chattel mortgage vs finance lease	Chattel mortgage vs finance lease
Accountants Daily (industry news)	Instant asset write-off threshold and turnover cutoff	Chattel mortgage vs finance lease
SW Accountants & Advisors (accounting firm)	Treasury Laws Amendment (Tax Incentives and Integrity) Act 2025	ATO payment plan
Hall Browns Accountants (accounting firm)	ATO general interest charge rate	ATO payment plan
Dynamic Business (business news)	ATO collectable debt figures	ATO debt and insolvency
CreditorWatch (credit reporting agency)	Businesses carrying outstanding tax debt over $100,000	ATO debt and insolvency, Director penalty notice
Payment Times Reporting Regulator	Reporting Cycle 10 payment-time measures: agreed terms, time to clear 80% and 95% of small business invoices, and on-time payment rates	Invoice finance, Trade finance, Late-paying customers, Partners
Australian Retailers Association	Seasonal retail stock and trading data	Christmas stock funding
Prime Minister of Australia (media release)	Western Sydney Airport opening dates, jobs and investment figures	Business loans Sydney
ABC News	AUKUS shipyard funding, 2032 Olympics venue investment, ACT private-sector employment and business-size data	Business loans Adelaide, Business loans Brisbane, Business loans Canberra
Infrastructure Magazine	Suburban Rail Loop East construction jobs figures	Business loans Melbourne
City of Melbourne	Retail and hospitality business growth, shopfront reactivation	Business loans Melbourne
ASIC (Insolvency Statistics, Series 3.1)	Construction industry insolvency figures — 1,952 of 7,100 external administrators’ reports nationally in 2023-24 (27.5%), the highest of any industry	Trades & construction, Construction: next contract
UNSW Sydney (reporting a CommBank-commissioned YouGov survey, n=507, fieldwork 31 Oct – 5 Nov 2024)	SME cash flow confidence — close to 80% of Australian SMEs reported a cash flow impact in the previous 12 months	Invoice finance, Trade & invoice finance
Allotrac (transport industry news)	Driver shortage and federal fuel excise cut figures	Transport & logistics, Transport finance work source letter
Australia Post (eCommerce Report 2026)	Australian online retail spend and growth figures	Ecommerce
Fair Work Commission	Annual Wage Review 2026 decision: 4.75% modern award increase from 1 July 2026, and the National Minimum Wage	Hospitality & retail, Hospitality equipment lease vs buy
Defence Connect (defence industry news)	HMAS Stirling investment; AUKUS SME supply chain capital barrier	Business loans Perth, Wholesale & trade
Australian Broker (citing Equifax Business Market Pulse)	SME vs large business loan and asset finance demand, June 2026	Business lines of credit, Asset finance, Finance broker vs bank
Australian Industry Group	US tariff impact on Australian exports and GDP	Trade finance
GlobeNewswire (ResearchAndMarkets, Australia Alternative Lending Business Report 2026)	Alternative lending market size and growth forecast	Revenue-based lending, When to move off RBL
The Adviser (citing ScotPac SME Growth Index, East & Partners research)	SME non-bank lender usage and preference, June 2026	Unsecured business loans
Cut Through Venture	Australian startup venture capital deal volume, Q2 2026	Startup business loans
Law Society Journal (NSW Law Society publication)	Law firm outstanding-bill and payment-timing figures	Accountant vs law firm cash flow
Australian Bureau of Statistics	Counts of Australian Businesses (8165.0): business numbers by state, industry division, employment size and legal structure, plus entry and exit rates and four-year survival — including survival of businesses that started in a given year	All six city pages, all six industry pages, Startup business loans, Unsecured business loans, Invoice vs trade finance, Partners, Hospitality & retail, Trades & construction, How a broker works
ASIC insolvency statistics	First-time external administration and controller appointments, by industry division and by principal place of business	Trades & construction, Hospitality & retail, all six city pages, Partners
ABS Lending Indicators (5601.0)	New loan commitments to businesses by purpose and business size, collected by APRA from lenders covering 95% of business credit outstanding. Quarterly, original series	Asset finance, Lines of credit, Business overdrafts, Term loans, Chattel mortgage, Truck finance
ASIC company registration statistics	New company registrations and total companies registered in Australia, monthly by state	Startup business loans
ABS Business Indicators (5676.0)	Quarterly private sector sales, wages, gross operating profits and inventories by industry. We derive profit-on-sales, stock-to-sales and sales-per-wage-dollar from the underlying dollar tables rather than the published ratios, which ABS rounds to two decimal places	Wholesale & trade, Hospitality & retail, Trades & construction, Transport & logistics
State revenue offices: NSW, VIC, QLD, WA, SA, ACT	Payroll tax thresholds and rates for each state and territory, checked 20 September 2026	All six city pages

Lenders describing their own criteria

Where we cite a bank or lender’s own published eligibility criteria, that’s their self-reported position on their own product, not an independent assessment. We say so explicitly wherever we use one, and we only use it to describe what that specific lender requires, not as evidence for a general market statistic.

Source	Used for	Cited on
Westpac	Own minimum turnover and funding limits for invoice finance	Invoice finance
Earlypay	Own eligibility position on trading history, ATO debt and credit history	Invoice finance
Moneytech	Own eligibility criteria, focused on invoice and customer quality	Invoice finance

What’s not on this list yet

Most pages on this site don’t carry an inline citation yet. That’s not a gap we’re papering over. It’s where things stand while we work through refreshing each page with fetched, confirmed sources. This table will only ever list a source we pulled and checked ourselves, never one we assumed or recalled from memory, so it will grow more slowly than a page that just lists every source in the industry.