Business finance, answered straight

A business finance broker sits between you and the lenders. We are not a lender: we do not lend money, set rates or approve anything. We take your situation to lenders on our panel, compare what they come back with, and explain the trade-offs so you can choose. The lender makes the decision, not us.

Your own bank can only offer you its own products. A broker compares options across a panel of lenders, including banks, non-bank lenders and specialist financiers, so you are choosing from more than one view of your business. You fill out the details once, and we take them to the lenders whose appetite actually fits.

Not sure a broker is the right call for you? Read about how we work.

We are a broker, not a lender, and we are typically paid a commission by the lender when your finance settles. If you want the specifics of how we are paid on your particular finance, ask us and we will explain it before you decide whether to proceed.

A panel is the group of lenders we work with and can place finance through. It includes banks, non-bank lenders and specialist financiers. We do not send your details to all of them. We look at what you need and how your business trades, then approach the lenders whose appetite actually fits, so you are not knocked back for applying in the wrong place.

We compare options across the panel rather than pushing one lender's product. Our job is to bring you the options that suit your situation and explain the trade-offs, then you choose. The lender still makes the decision, sets the price and provides the funds. We are typically paid a commission by the lender when your finance settles, and we will explain how we are paid on your finance if you ask.

We do not lend money, approve applications or set rates: lenders do all three. We also do not give you tax, legal or personal financial advice. We arrange business-purpose finance and explain how each option works so you can make an informed choice. For tax or accounting questions, speak to your accountant. For legal questions, speak to your solicitor.

First, a conversation. We talk through your business, what the money is for and what you have available, then we compare options from the panel and bring back the ones that fit. You decide whether any of them is worth taking. Nothing is lodged with a lender until you tell us to proceed.

It depends on the lender and the type of finance, but most applications start with the basics: your ABN, recent business bank statements and some detail on how your business trades. Larger or secured facilities usually ask for more, such as financial statements or details of the asset. We tell you what a given lender needs before you gather anything.

An enquiry is a conversation, not an application. We won't submit anything to a lender without your say-so. When you get in touch, we talk through your situation and the options that might fit. Nothing is formally lodged with any lender until you tell us to proceed.

No. An enquiry is a conversation, not a commitment. We talk through your situation and show you the options that might fit, and you decide whether any of them is worth taking. You can walk away at any point before settlement. Nothing is lodged with a lender until you tell us to proceed.

You do not need to come in. Most of our clients deal with us by phone, email and the enquiry form, and documents can be shared securely without a face-to-face meeting. We work with business owners across Australia, so where you are based does not stop us comparing options for you.

Prefer to talk it through with a person? Contact details are here.

That depends on what the money is for and how it will be repaid. Working capital, equipment, invoices, vehicles, trade and property-backed lending each suit different needs. The quickest way to narrow it down is a conversation, but each product has its own page explaining how it works and who it suits.

Start with the ones closest to your need:

• Business loans: compare every option in one place.
• Invoice finance: working capital from unpaid invoices.
• Equipment finance: machinery, tools and gear.
• Trade finance: paying suppliers here and overseas.
• Business line of credit: a revolving limit you draw as needed.
• Vehicle finance: utes, vans and trucks for business use.

Often, yes. Many businesses run a mix, for example a facility for working capital alongside separate finance for equipment or vehicles. Whether it makes sense for you depends on what each facility is funding and how it will be repaid. We can look at your situation as a whole rather than one product in isolation, so the pieces work together.

Yes. If you have an offer in front of you, bring it to us and we can compare it against what the panel comes back with. Sometimes another lender fits better, and sometimes the offer you have is a good one. Either way you are making the decision with more than one option to weigh up, not just the first one you were shown.

We only ask for what a lender needs to assess your finance, and we handle your information in line with the Privacy Act 1988 and the Australian Privacy Principles. We do not pass your details to a lender until you agree to us doing so. Our privacy policy sets out how we collect, use and store what you give us.

You deal with a broker, not a call centre queue. The person who takes your enquiry stays across your file, so you are not re-explaining your business to a different voice each time. You can reach us by phone, by email, or through the enquiry form on the site. Contact details are here.

It depends on the lender and the type of finance. Some lenders want to see an established trading history, while others will consider newer businesses, sometimes with additional support such as security or a guarantee. There is no single rule across the market. Tell us how long you have been trading and we will focus on the lenders whose criteria fit where your business is now.

Different lenders set different expectations, and some care more about how consistently money comes in than the headline figure. Rather than a single threshold, lenders look at whether your income can comfortably support the repayments. We match your turnover and trading pattern to lenders whose criteria suit, so you are not applying where you were never going to fit.

Sole traders, partnerships, trusts and companies can all access business-purpose finance. Your structure affects which lenders and products suit and what a lender asks for, such as personal guarantees from the people behind the business. It does not shut you out on its own. Tell us how you are set up and we will approach lenders who work with that structure.

An active ABN is a standard requirement for business finance. GST registration is not always required and depends on the lender and the size of the facility. Requirements vary across the panel, so if you are newly registered or not registered for GST, it is still worth a conversation. We will tell you what a given lender needs before you gather anything.

It can. Many lenders look at the credit history of the people behind the business as part of assessing an application, alongside how the business itself trades. A past issue does not automatically rule you out: some lenders weigh recent trading more heavily, and others specialise in more complex situations. Be upfront with us about your history so we approach the right lenders first.

Lenders each set their own criteria, so a decline usually comes down to fit rather than one fixed rule. Common reasons include the finance not matching how the business trades, limited trading history for that lender, servicing that looks tight, or missing information. Part of our job is to read a lender's appetite before you apply, so you are more likely to be matched with one that suits.

The lender sets the cost, not us. Lenders price each facility on their view of the risk and the type of finance, taking in things like your trading history, the term, whether there is security, and the facility itself. That is why the same business can be quoted differently by different lenders. Comparing options is how you see where your business is priced best.

Because lenders price to their own view of risk and their own appetite at the time. Two businesses that look alike on the surface can trade differently underneath, and each lender weighs those factors in its own way. There is no single market rate. This is the main reason comparing across a panel is worthwhile rather than taking the first number you are quoted.

That varies by lender and facility. Depending on the finance, there can be establishment or setup costs, ongoing account or service fees, and costs tied to security such as valuations. The interest rate on its own does not tell the whole story. When we bring you options, we point out the costs attached to each so you are comparing them on the same basis, not just the headline rate.

Some facilities allow early repayment freely, and others have costs or conditions if you pay out ahead of schedule. It depends entirely on the lender and the product. If being able to clear the finance early matters to you, tell us before you sign, and we will factor it into which options we bring you and flag how each one treats early repayment.

It depends on the facility. Some are set for the term so your repayments stay the same, and others can move if the underlying rate changes. Each type suits different needs: certainty of repayments versus flexibility. When we present options, we make clear which is which, so you can weigh a steady repayment against one that may vary.

That is set by your agreement with the lender, and it is important to read those terms before you sign. Missing repayments can lead to fees and can affect your credit file, so if you see trouble coming, the best move is to contact the lender early. If your circumstances change after settlement, we are happy to talk through your options with you.

It comes down to what the gap is costing you. If waiting means missing a supplier discount, turning down an order, or paying staff late, funding the gap can be worth more than the cost of the finance. If the need is small and short, waiting may be fine. We can talk it through against your situation so you borrow for a reason, not out of habit.

See how the options compare on the business loans page.

It can be. Not putting up an asset keeps it free for other uses and can mean less to arrange upfront, though lenders often price unsecured finance differently because there is no security behind it. Whether that trade-off suits depends on your plans for those assets and how you value the speed and simplicity. We can show you both so you compare like with like.

More detail on the unsecured business loans page.

It depends on the lender, but common options include property, equipment, vehicles and, in some cases, other business assets. Lenders assess what you offer and how much they will lend against it. Not every asset suits every lender. Tell us what you have available and we will approach lenders whose appetite matches that type of security.

More on how this works on the secured business loans page.

It can suit businesses that take a lot of card payments and want repayments that move with sales rather than a fixed monthly amount. Businesses with quieter and busier periods sometimes prefer that. It will not suit every business, and the cost structure is different from a term loan. We can compare it against other options so you are choosing on the full picture.

How it works on the merchant cash advance page.

That depends on the lender, but businesses often look to combine facilities such as existing loans, advances and other business borrowings into a single arrangement. Not every debt can always be included, and whether consolidating helps depends on the terms of what you already hold. We can look at what you are carrying and whether bringing it together actually improves your position.

More on the debt consolidation page.

It depends on the facility. Some arrangements let you finance selected invoices as you need to, and others are set up across your whole ledger. Each suits different needs and is priced differently. Tell us how you would like it to work, and we will match you to lenders whose facilities fit that preference rather than force you into one model.

More on the invoice finance page.

That depends on the type of facility. With some, you own the equipment outright once the finance is paid out. With others, such as certain leases or rentals, there may be a final payment or a choice about handing the asset back. It is worth knowing which applies before you sign. We will explain how each option treats the equipment at the end of the term.

More on the equipment finance page.

It is often associated with importing, but trade finance can support paying suppliers domestically as well as overseas, depending on the lender and how your supply chain works. The right structure depends on who you are paying, in what currency, and on what terms. Tell us how your purchasing works and we will look at lenders whose trade facilities fit that.

More on the trade finance page.

Both give you access to funds you can draw as needed, but they usually differ on cost, the size of the limit and how repayments work. A card can suit small, everyday spending, while a line of credit is often used for larger, ongoing working-capital needs. Which fits depends on how you intend to use it. We can compare the two against your cash-flow pattern.

More on the line of credit page.

Yes, financing multiple vehicles is common, and how it is structured depends on the lender and the size of what you need. Some businesses arrange each vehicle separately, and others prefer a single arrangement across a fleet. Tell us how many vehicles you are looking at and how they are used in the business, and we will match you to lenders set up for that.

More on the vehicle finance page.

Once you accept an offer and the finance settles, the lender releases the funds and you deal with the lender for the day-to-day running of the facility, such as repayments and statements. We do not disappear at that point. If something changes or you are unsure about your options down the track, you are welcome to come back to us.

Yes. Businesses change, and finance that suited you at the start may not be the best fit in a year or two. If your circumstances shift, or you simply want to check whether better-suited options exist, we can compare the market again. Whether refinancing actually helps depends on your current terms and any costs of switching, which we will weigh up with you.

That is a normal reason to get back in touch. Growth often means new needs: more working capital, additional equipment, or a larger facility. Because we already understand your business, picking the conversation back up is usually quicker than starting cold. Tell us what has changed and we will look at what the panel can do for where the business is now.

No. We ask for your consent before anything that involves accessing your credit information, and we explain what it is for first. An initial conversation about your options does not require you to hand over authority for that. We handle your information in line with the Privacy Act 1988 and the Australian Privacy Principles.

Full detail in our privacy policy.

Yes. You can ask us to correct your details, stop marketing contact, or discuss your information at any time, and we will action it. Our messages also include a way to opt out. If you want to know what we hold or how to make a request, our privacy policy explains the steps and how to reach us.

See the privacy policy or contact us.

We keep your information only for as long as we need it for the purpose you gave it to us, and to meet our record-keeping obligations, then we deal with it in line with the Privacy Act 1988 and the Australian Privacy Principles. Our privacy policy sets out how we collect, use, store and dispose of what you give us.

Read the privacy policy.