Business finance startss with purpose, not the product

Yes. We can help with lending for commercial property purchases or refinances, including owner-occupied business premises and some leased investment property scenarios.

Business lending may support working capital, stock, fit-out, expansion, acquisition, refinancing, or other business purposes. The right structure depends on the purpose and lender policy.

It varies, but lenders commonly ask for financial statements, tax returns, BAS, bank statements, lease or contract details, business structure documents and information about the funding purpose.

Secured lending uses property, business assets or other security. Unsecured lending relies more heavily on business strength and cash flow, and may involve different pricing, limits and terms.

Sometimes. Working capital, invoice, overdraft or short-term lending may help with timing gaps, but the structure needs to suit the business and repayment capacity.

Potentially. Lenders will usually want to understand the business being purchased, the borrower, cash flow, purchase structure, security and experience of the people involved.

Not always. Some facilities are unsecured or secured by business assets, while others use residential or commercial property. We will help explain what lenders may require.

Timing depends on the lender, loan type, documents, valuation requirements and complexity. Clean documents and a clear funding purpose usually help.

Often, yes. We can help with lending, but your accountant or adviser should be involved where tax, structure, cash flow forecasts or business strategy need professional advice.