For Business Owners
Business Finance Solutions
We help businesses of all sizes access the capital they need to grow, invest, and operate with confidence.
Finance Types
Business Loan Types
Structured finance matched to how your business actually operates.
Business Capital
Working capital to manage cash flow, cover expenses, or fund growth initiatives.
Franchise Finance
Funding to buy into or expand a franchise business.
Commercial Property
Finance for buying or investing in commercial real estate.
Property Development
Structured finance for residential and commercial development projects.
Equipment Finance
Funding to purchase new equipment or machinery for your business.
In Detail
How Each Option Works
What the finance covers, how it's usually structured, and who it tends to suit.
Business Capital
Cash flow rarely arrives when the bills do. Working capital finance bridges that gap — covering wages, stock, tax bills or a sudden opportunity — without forcing you to sell assets or dip into personal savings. We compare unsecured business loans, overdrafts, line-of-credit facilities and invoice finance so the structure matches how money actually moves through your business.
- Unsecured loans, overdrafts and lines of credit compared side by side
- Terms from 3 months to 5 years, with weekly, fortnightly or monthly repayments
- Fast-track options with funding in as little as 24-48 hours
- Low-doc options for established businesses with strong turnover
Best suited to: Seasonal businesses, growing teams, and owners bridging invoice payment cycles.
Franchise Finance
Buying into a franchise means funding more than a fit-out — there's the franchise fee, equipment, stock, training and a working capital buffer for the first trading months. Many lenders have accredited franchise systems with pre-set lending terms, and knowing which lender favours which brand can be the difference between a knock-back and a competitive approval.
- Finance for franchise fees, fit-out, equipment and initial working capital
- Access to lender-accredited franchise programs with favourable terms
- Help interpreting the franchise disclosure document alongside your accountant
- Multi-site and territory expansion funding for existing franchisees
Best suited to: First-time franchisees and multi-site operators adding another location.
Commercial Property
Whether you're buying the premises your business trades from or adding a commercial asset to your portfolio, the loan structure matters as much as the rate. Lenders assess the property type, lease strength and your serviceability differently — and self-managed super fund purchases add another layer again. We map the options before you sign a contract.
- Offices, retail, industrial sheds, warehouses and medical suites
- Typically 65-80% of the property value, with terms up to 25 years
- Owner-occupier and investor structures, including SMSF purchases
- Lease and tenant strength reviewed as part of the lender match
Best suited to: Business owners buying their own premises and commercial property investors.
Property Development
Development finance is drawn down in stages against progress, so cost control and a credible exit strategy carry as much weight as the numbers on paper. We work with major banks, second-tier lenders and private funders to structure land acquisition and construction facilities that hold up under scrutiny.
- Land acquisition plus staged construction drawdowns
- Duplexes, townhouses, small unit blocks and commercial builds
- Presale, feasibility and exit strategy reviewed before submission
- Bank, non-bank and private funding options for tighter timeframes
Best suited to: Builders and developers running small-to-medium residential or commercial projects.
Equipment Finance
Equipment finance spreads the cost of an asset across its working life, usually secured against the asset itself — which keeps your rate sharper and your cash in the business. Chattel mortgages, leases and rent-to-own each carry different tax and balance-sheet outcomes, so it's worth a conversation with us and your accountant before committing.
- Vehicles, trucks, excavators, machinery, fit-outs and IT hardware
- Chattel mortgage, finance lease and rent-to-own compared
- New and used assets, with private-sale purchases considered
- Balloon payments used to shape repayments around your cash flow
Best suited to: Trades, transport, manufacturing, healthcare and hospitality operators.
The Process
From First Call to Funded
Four straightforward steps — and we handle the lender legwork in between.
Discovery Call
A free, no-obligation chat about your business, your numbers and what you're trying to achieve.
Structure & Strategy
We map the finance types that fit, model repayments and flag anything that could hold up an approval.
Lender Match
We take your scenario to the lenders whose credit policy actually suits it — not just the one you bank with.
Approval & Settlement
We manage documents, valuations and lender questions through to funding, and stay in touch afterwards.
Questions
Business Finance FAQs
How much can my business borrow?+
It depends on turnover, trading history, security offered and the purpose of the funds. Unsecured facilities commonly range from $10,000 to $500,000, while secured commercial and development lending goes much further. A short call gives you a realistic figure.
How long does approval take?+
Straightforward unsecured and equipment finance can be approved within 24-48 hours. Commercial property and development finance usually take two to six weeks because of valuations and more detailed credit assessment.
What documents will I need?+
Typically your ABN and business details, the last 6-12 months of business bank statements, recent BAS, and financial statements for larger facilities. Low-doc options exist where full financials aren't available yet.
Can I get finance if my business is new?+
Yes, in many cases. Some lenders fund businesses trading as little as six months, and franchise or equipment purchases can be supported by the asset or the franchise system itself. Security or a stronger deposit may be required.
What does it cost to use a broker?+
For most business finance we're paid a commission by the lender, so there's no cost to you. Where a fee applies to a complex commercial or development deal, we tell you up front and in writing before any work begins.
Know the Risks
As with all loans, understanding the risks is essential. Business borrowing can involve personal guarantees, security over property or assets, and repayments that continue through quieter trading periods. Talking through the pros and cons with your broker — and your accountant — helps ensure you choose the right structure for your business's needs and future.
Let's Talk About Your Business Finance Needs
Free, no-obligation and led by someone who'll take the time to understand your business.