Commercial Finance
Whether you need working capital, funds to expand, or finance to take on a larger contract, we help Australian businesses access business loans structured around their actual needs and cashflow.
Loan Structures
Backed by a business or personal asset such as property, equipment, or a vehicle. Security typically allows for larger loan amounts and more competitive structures. Suitable for established businesses with assets available to offer as collateral.
No asset security required. Approval is based primarily on business trading history, revenue, and credit profile. Generally used for smaller amounts or where the business does not have assets available to offer as security.
A revolving credit facility that allows a business to draw down funds as needed up to an approved limit. Interest is generally only charged on the amount drawn. Useful for managing irregular cashflow or funding short-term working capital needs.
Who We Help
Funding to take on larger contracts, cover upfront material costs, or bridge the gap between completing work and receiving payment. Structured around trade business cashflow cycles.
Stock purchases, fit-out costs, and working capital for retail and hospitality businesses managing seasonal revenue fluctuations and growth opportunities.
Operational funding alongside asset finance for transport businesses managing fuel, maintenance, compliance costs, and expansion into new routes or contracts.
Project funding, deposit bridging, and operational business loans for builders and developers working across Melbourne's south-east growth corridor and beyond.
What Lenders Assess
Most lenders want to see at least 12 to 24 months of trading history. Some specialist lenders can work with newer businesses, though the loan structures and criteria will differ.
Lenders assess your business revenue, cashflow patterns, and ability to service the proposed loan. Bank statements, BAS statements, and financial accounts are commonly required.
Whether the loan is secured or unsecured affects the options available. Property, equipment, or other business assets can be used as security where available and appropriate.
Lenders want to understand how the funds will be used and how the loan will be repaid. A clear loan purpose with a logical repayment source generally supports a stronger application.
How It Works
We start by understanding your business, the loan purpose, and the amount required. This helps us identify the most suitable lenders and structures before any application is lodged.
We compare options across our panel of specialist business lenders, looking at loan structure, indicative terms, and lender appetite for your industry and situation.
We manage the application, documentation, and communication with the lender through to approval and settlement, keeping you informed at every stage.
Common Questions
Tell us about your business and what you need. We will find loan options structured around your situation from our panel of specialist lenders.