Funding your next business move

Working capital, a fitout, an acquisition, or the next stage of the plan. Business lending has more moving parts than most people expect. We read your financials the way the lender will, and walk alongside you from application to funds.

Is this right for you?

Who we help fund the next stage

You're expanding or opening a new site

A fitout, a second location, or scaling up capacity. A business loan funds the step so the growth doesn't drain the trading account.

You're buying a business or buying out a partner

Acquisition lending leans hard on the numbers. Our accountants and brokers read the target's financials and structure the deal together.

You don't know what your business can borrow

Lenders read your financials their own way. We prepare yours the way credit teams assess them, so you know your position before you apply.

The bank asked for the house

Not every business loan needs property security. Unsecured and asset-backed options exist, and we'll show you what each costs in practice.

Your last application went nowhere

A declined or stalled application usually has a reason. We find it, fix what can be fixed, and go to the right lender the second time.

How It Works

A clear path from the plan to the funds in your account

Understand The Plan

We start with what the money is for and what it needs to return, because the purpose shapes the whole loan.

Prepare The Numbers

We get your financials lender-ready and work out what your business can support, before anything goes to credit.

Match The Lender And Lodge

Banks and non-bank lenders differ on industry, security, and appetite. We shortlist, lodge, and manage the questions.

Funds And Follow Through

Once approved, the funds land and the plan moves. We stay across the loan as the business grows, so it keeps fitting.

Frequently Asked Questions

What can a business loan be used for?

Most business purposes: expansion, a fitout, buying a business or a partner’s share, stock, marketing, or smoothing a large one-off cost. Lenders care that the purpose is genuinely business-related and that the numbers support the repayments. What the loan is for also shapes which lender and structure fit, which is why we start with the plan rather than the product.

What's the difference between a secured and an unsecured business loan?

A secured loan is backed by an asset, often property, which generally means lower rates and larger amounts. An unsecured loan has no asset security, so it’s faster to arrange but usually costs more and lends less. Many sit in between, backed by a director guarantee or a charge over the business rather than the family home. We show you what each actually costs and risks before you choose.

Do I have to put my house up to get a business loan?

Not always. Property security usually gets the sharpest terms, but unsecured loans, asset-backed lending, and facilities secured by the business itself all exist. What’s available depends on your trading history, your financials, and the amount. If keeping the home out of the business matters to you, tell us early and we’ll filter lenders on it.

Can I get a business loan for a new business with no trading history?

It’s harder, but not closed. Lenders want evidence the repayments can be met, which usually means trading history. Without it, options narrow to lending against assets, security, or in some cases the strength of what you’re buying, since an established business being acquired brings its own track record. We’ll tell you honestly what’s realistic for your position.

What do lenders look at when assessing a business loan?

Your financial statements, tax returns and lodgement history, bank statements, existing debts, and how the loan purpose stacks up. Some also weight industry and time trading. Clean, current financials genuinely change outcomes, and as accountants we prepare yours the way credit teams read them, which is often the difference between a stalled application and a quick answer.

How long does a business loan take to approve?

It ranges widely. Some unsecured lenders assess in days, while secured loans with property involved run longer because valuations and documentation take time. The biggest delays usually come from missing or outdated financials, which is the part we control by getting the file right before it’s lodged.

GROWING OR BUYING A BUSINESS?

Have a conversation with us. We’ll tell you clearly where you stand.