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.
What lenders look at on a business loan
Business lending is judged on the business, not just on you. Three things decide most applications:
Cash flow, not profit
A profitable business with money tied up in receivables can still fail a serviceability test, and a modestly profitable one with clean, consistent bank statements can sail through. Lenders read your bank statements more carefully than your P&L, because statements are harder to dress up.
Time in business and ABN age
Most mainstream lenders want to see two years of trading. Under that, you are looking at a narrower panel of specialist lenders, often at higher rates. If you are approaching a milestone — two years trading, a new BAS lodged, a full financial year — sometimes waiting six weeks changes the offer materially. We will tell you when that is the case rather than pushing you to apply today.
Security, or the deliberate absence of it
Offering property as security lowers your rate and raises your limit. It also puts the property at risk. Unsecured facilities cost more precisely because the lender carries that risk instead of you. Which is right depends on how confident you are in the cash flow that will repay it — that is a strategy question, not a rate question.
Industries where the numbers look worse than the business
Some sectors look risky on paper for reasons that are simply how the industry works. Construction and trades are the clearest example: wages go out weekly while progress claims come back on 30, 60 or 90 day terms. That gap between money out and money in is normal — but a generalist credit assessor reads it as a liquidity problem.
Our founder spent 13 years in the scaffolding industry before moving into finance, so this pattern is familiar territory rather than a red flag. The job is translation: presenting utilisation, contract pipeline and equipment as the assets they actually are, so the lender is assessing the real business rather than a misread balance sheet.
The same applies to seasonal businesses, project-based consultancies, and anyone whose revenue is lumpy by nature. Lumpy is not the same as unstable, but somebody has to say so.
Getting the structure right before you borrow
Two questions worth settling before an application goes anywhere:
Which entity borrows? Company, trust, partnership or sole trader — this affects guarantee requirements, tax treatment and what happens to your personal position if something goes wrong. Getting it wrong is expensive to fix afterwards.
What is the facility actually for? A term loan to buy an asset, an overdraft to smooth cash flow, and invoice finance to release working capital are three different tools. Using a term loan to plug a recurring cash flow gap is one of the more common and more costly mistakes we see — it treats a structural issue as a one-off.
We would rather spend an hour on this before lodging than restructure it in eighteen months.