The article explores how different professional advice services can impact small and medium-sized businesses' ability to get external loans in Australia. Previous studies have shown that accountants play a crucial role in advising SMEs. However, this study looks at a wider range of advisors like Industry Associations, banks, and consultants. The researchers aim to fill a gap in the existing research by analyzing how these various advisors affect SMEs' access to external finance. The study suggests that defining SMEs based on factors like number of employees and sales volume can help lenders better understand and support small businesses.