Buy or expand your business with funding that actually fits your cash flow, tax position, and long-term plan.
Buying a business or expanding one is exciting—until the numbers, lender rules, and paperwork start slowing you down. We help Melbourne business owners structure the right finance (acquisition, growth, fit-out, equipment, or working capital) while also aligning it with the tax and entity strategy behind the scenes. The result is funding that’s practical to service, cleaner to approve, and designed to support growth without creating a tax mess later.
IS THIS RIGHT FOR YOU?
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You’re looking at buying a business and you’re unsure what lenders will accept as “real” profit and sustainable income.
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You need capital to expand (new site, more staff, bigger stock orders) but don’t want repayments to crush cash flow.
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You’re deciding between an unsecured loan, secured lending, overdraft, or asset finance and you don’t want the wrong tool.
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You want to use business financials properly (add-backs, normalisation, one-offs) without pushing things too far.
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You’re restructuring (trust/company) or planning dividends/wages and want finance approvals to stay strong.
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You need speed and clarity because the opportunity has a deadline (settlement, lease start, supplier terms).
HOW IT WORKS
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Strategy Call (goal + numbers)
We map what you’re buying/building, the timeline, deposit/cash position, and what “success” looks like in 12–24 months. -
Funding Options + Serviceability Snapshot
We model realistic repayments against your cash flow and identify which lenders and products match your scenario (not just what’s easiest to lodge). -
Structure + Tax Alignment
We confirm the best borrowing entity, security position, and tax implications (deductibility, asset ownership, profit distribution) before you commit. -
Packaging + Lender Negotiation
We prepare a clean deal file (financials, BAS, bank statements, forecasts, business profile) and negotiate terms like rate, fees, covenants, and buffers. -
Approval to Settlement + Setup
We manage conditions, valuations (if needed), legal/settlement steps, and make sure the facility is set up to work day-to-day (limits, redraw, offset, cards).
WHAT MAKES US DIFFERENT
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Finance + tax advice in one team → your loan structure won’t accidentally create a tax headache or block future borrowing.
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Cash-flow first modelling → we stress test repayments so growth funding doesn’t become a monthly panic.
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We speak “lender” and “accountant” → we translate your financials into a credit story banks can approve (without games).
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Melbourne-local, growth-focused thinking → we consider lease terms, fit-out realities, and industry risks that matter in Victoria.
Frequently asked questions
How much deposit do I need to buy a business?
It depends on the type of business, the strength of the financials, and what security is available (property, business assets, or none). Some deals rely heavily on the buyer’s deposit, while others are more “cash-flow funded” if the business is strong and well documented. We’ll tell you early what’s realistic.
What financials do lenders actually look at for business acquisition or expansion?
Most want recent financial statements, BAS, bank statements, and evidence the income is consistent. They also scrutinise add-backs, owner wages, and one-off expenses. If the books are messy, we can help clean the story so you’re not rejected for avoidable reasons.
Is it better to use secured lending or an unsecured business loan?
Secured lending is usually cheaper and longer-term, but it can tie up property and come with tighter conditions. Unsecured lending can be faster, but costs more and may have shorter terms. We’ll choose the tool based on what you’re funding and how predictable your cash flow is.
Will taking on business debt affect my ability to get a home loan later?
Yes—business lending can reduce borrowing capacity, especially if repayments are high or the structure is messy. That’s why we plan the debt profile (term, limit, buffers) with your broader goals in mind. If a home purchase is on the horizon, we design around it.
How long does it take to get approved?
Simple equipment or working capital facilities can be quick if documentation is ready. Business acquisitions and higher-limit deals take longer because lenders assess risk, financials, and sometimes valuation/contract terms. We’ll give you a clear timeline once we see the deal and what lender path fits.
Next Step
If you’re considering buying a business or expanding, the smartest first move is getting clarity on what you can fund, how it should be structured, and what the repayments really look like. We’ll walk you through options and trade-offs so you can move forward confidently—no pressure, no fluff.
Chat with DFG today
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