Wide Bay Australia aims to begin making business loans by November, the Bundaberg-based lender said yesterday.It will be the first real foray into business lending for the building society, which aims to convert to bank status over the next year.Wide Bay also provided profit guidance for the next year. It said it had budgeted for a statutory net profit of between A$13 million and $14 million.This compares with only $2.5 million in 2013 and $17.8 million in 2012.Cuts in the cash rate have affected the interest margin over recent months. Wide Bay also expects claims on its captive mortgage insurance arm to more than double this year, to $5.4 million.