Business Loans
Move your business forward with the right finance at the right time. From short term cash flow support to funding for equipment or commercial property, our Melbourne brokers will find a loan that fits your plans and budget.
Finance shaped by your business
Every operation has its own rhythm. We start by learning how you trade, where the pressure points sit and what growth looks like for you. Then we tap our lender network to match you with a loan structure that keeps cash flowing without straining margins. From unsecured working capital to equipment finance or a facility linked to receivables, we lay out the true cost of each option so you can choose with clarity.
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years experienceAsset & Equipment Loans
Get the equipment your business needs without the upfront cost. Our flexible, fast-approval loans help you finance vehicles, machinery, technology and more, with competitive rates and tailored repayment options that support your cashflow and growth.
Invoice and debtor finance
Waiting sixty or ninety days for invoices to clear can slow growth. Invoice and debtor finance converts approved invoices into cash within about one business day. We set up a facility that advances up to 85 percent of each invoice value straight away, with the balance released when your customer pays. You stay in charge of collections, keep client relationships intact and meet payroll or buy stock without raiding savings. Because the advance is secured against your receivables, property security is rarely required and limits rise as your sales grow.
Cash flow finance
Every business hits a gap between money going out and money coming in. A cash flow facility bridges that gap so you can pay suppliers, staff and tax on time without dipping into reserves. We arrange an overdraft or revolving line of credit that you draw when you need it and clear when cash lands in the account. Interest applies only to the balance in use, limits can rise as turnover grows, and approvals are often possible without property security.
Trade Finance
Buying stock offshore ties up cash long before you can sell it. A trade finance facility pays your overseas supplier up front through tools like letters of credit or supplier guarantees, then gives you up to 180 days to repay once the goods land in Australia. You free up working capital, reduce foreign exchange risk and secure better terms with exporters, all while keeping other credit lines open for day to day expenses.
Insurance Finance
Annual insurance premiums can hit cash flow hard when they fall due at once. Insurance finance, sometimes called premium funding, pays the insurer in full on your behalf and lets you repay the cost in fixed monthly instalments over up to twelve months. The facility usually needs no property security, approval is quick, and it can cover a single policy or a bundle such as public liability, professional indemnity and cyber cover. You stay fully insured while keeping working capital free for day to day operations.
Software Finance
Modern business runs on software, from accounting suites to cloud customer relationship management systems. Software finance pays the supplier on day one and lets you spread the cost over regular instalments that suit your budget. The facility can cover licences, implementation, data migration and training so you can roll out the new platform without straining cash flow or using existing credit lines.