Most SMSF loan applications that fall over don't fall over on income. They fail because of structure, liquidity and timing, and the damage is usually done in the fortnight before anyone speaks to a lender. Self-employed trustees get caught more often than most, because the instincts that serve them in business — which is to move first and tidy the paperwork later — are the ones that cost money inside a super fund. Here are the mistakes that come up most often, roughly in the