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Do you have an ABN. Sole operators and subcontractors may need a small loan for business purposes.
Cash reserves are nothing new. Theyve been around as long as the lending industry itself. But two things have changed over the last few years. More lenders are requiring them today, and the amounts have gone up in many cases.
At the height of the housing bubble, few mortgage lenders required cash reserves. Back then they didnt require much more than a job, a pulse and a Social Security Number. Times have sure changed.