Running a business means dealing with lumpy cash flow, complex tax returns and lenders that don't always understand how you actually earn. We work with specialist commercial lenders who do, and who can move at the pace your business needs.
Buying your own premises, an investment commercial property or a development site? Commercial loans are priced and structured very differently to residential. We compare commercial lenders for sharper rates, sensible loan-to-value ratios and terms that match the property type and your exit plan.
Sole traders, contractors and company directors often get knocked back by mainstream banks because their tax returns don't tell the full story. Low-doc and alt-doc products from specialist lenders use BAS statements, accountant letters or business bank statements to assess income, which can change the answer from no to yes.
From machinery and vehicles to overdrafts and invoice finance, we match you with lenders who fund the way your business actually operates. Chattel mortgages, hire purchase, leases and lines of credit each have different tax and cash-flow outcomes, and we'll explain which suits your setup.
Buying an existing business or buying out a partner often requires a blend of secured and unsecured lending. We help structure the deal so the repayments work alongside the business cash flow, not against it.
We're comfortable working with discretionary trusts, unit trusts, corporate trustees and complex group structures. We'll coordinate with your accountant to keep the lender's requirements and your tax structure aligned.
We start with a no-obligation conversation to understand your goals, timeline and current position. No paperwork, no commitment.
We assess your borrowing power, compare suitable products across our lender panel and present a shortlist with clear pros and cons.
Once you choose a direction, we package the application properly, liaise with the lender and chase the moving parts so you don't have to.
We coordinate with solicitors, valuers and the lender through to settlement, then stay in your corner for future reviews.
Often yes. Several lenders accept one year of financials or BAS statements, and alt-doc options exist when paperwork is light. We'll know within a quick chat what's realistic.
Usually a little higher, but they vary widely. The right lender and structure makes a much bigger difference than the headline rate, especially when you factor in fees, LVR and term.
Generally 20 to 35%, depending on the property type, tenant profile and your trading history. Owner-occupier purchases often need less than investment-grade commercial.
Yes. We work with SME and fintech lenders for smaller facilities, overdrafts and asset finance, often with much faster turnaround than the major banks.
Buying your first home or your next? We'll find a loan that suits your deposit, income and goals.
Paying too much on your current loan? We'll review it and compare the market.
Build your property portfolio with structures that make sense.
Building your dream home or a major development? We match you with the right construction facility.
Roll multiple repayments into one manageable loan.
Financing a new car, equipment or other assets? Competitive rates and terms.
Tell us your goals and we'll point you in the right direction. No obligation.
