That is exactly what we help you work out. Sometimes what looks like a cash flow problem is better addressed with a term loan or a different structure entirely. We assess your cash flow cycle and recommend what genuinely fits — not just what is available.

Yes. Seasonal facilities can be structured to match your trading patterns — providing access to funds during quiet periods and repaying during peak trading. We find lenders who understand seasonal businesses and structure facilities accordingly.

Yes. Most facilities are subject to annual review. Banks reassess whether your business still qualifies and whether the limit is appropriate. We help you prepare for reviews so your facility remains in place without disruption.

Banks want to see that the facility will cycle — funds drawn down and then repaid as revenue comes in. They look at your trading history, cash flow patterns, and whether your business has predictable revenue cycles (even seasonal ones). Consistent drawdowns without repayment can be a red flag.

A business overdraft is attached to your transaction account and lets you draw above your balance up to an approved limit, with interest charged only on what you draw. A line of credit is a separate revolving facility with a higher limit that you draw on and repay as needed. Overdrafts suit short-term recurring fluctuations; lines of credit suit businesses needing flexible access to larger amounts.

Working capital finance covers cash flow gaps that arise from normal business operations — paying suppliers before customers pay you, covering wages during a quiet month, or funding materials before invoicing. It is not a sign that your business is struggling; it is a practical tool for managing the timing mismatch between money going out and money coming in.

Fleet finance can be structured with consistent terms across all vehicles, staggered replacements, and potentially volume-based pricing from lenders. Rather than managing each vehicle as a separate transaction, we help fleet operators set up finance arrangements that scale with their business.

Yes. Good-condition used vehicles can be a smart business decision, and finance is available. Rates may be slightly higher and maximum terms shorter depending on the vehicle’s age, but options do exist. We know which lenders offer competitive terms on pre-owned vehicles.

Sometimes, but not always. Dealer finance is convenient, but it is not always the most competitive option. We compare dealer finance against our lender panel so you can make an informed decision rather than just accepting what is in front of you at the time of purchase.

Leasing suits businesses that replace vehicles regularly or prefer not to manage vehicle resale. An operating lease lets you hand the vehicle back and upgrade at the end of the term; repayments are 100% tax deductible. A finance lease gives you ownership at the end after a residual payment. The right structure depends on your replacement cycle and whether ownership matters to you.

A chattel mortgage is the most common structure. You own the vehicle from day one, claim GST upfront on the purchase price, and can set a residual (balloon) payment to keep monthly repayments lower. You also depreciate the asset over its useful life. For most businesses buying vehicles, this is the starting point.

We finance cars and SUVs, utes and light commercial vehicles, trucks (rigid, prime movers, tippers), trailers, vans, heavy vehicles, and fleet vehicles for business use. Single vehicles and entire fleets are both within scope.

This is a significant decision that involves costs, compliance obligations, and ongoing administration. We can discuss the lending side with you before you commit to setting up a fund, so you understand borrowing capacity and deposit requirements upfront. We recommend involving your accountant and financial adviser in this decision.

Yes. Not all banks offer SMSF lending, and those that do have stricter requirements around loan-to-value ratios, property types, and fund balance minimums. We know which lenders are currently active in this space and what their criteria are.

Lenders have minimum fund balance requirements — typically $200,000 or more, though this varies by lender. Your fund also needs sufficient cash flow from contributions, rental income, and existing balances to service the loan repayments, property costs, and ongoing expenses. We assess your fund’s specific capacity.

Yes — this is one of the few related-party transactions permitted under superannuation law. Your SMSF can purchase business real property and lease it back to your business, provided the lease is at market rates and on arm’s-length terms. We structure the lending and coordinate with your SMSF adviser to ensure compliance.

The property cannot be held directly by your SMSF until the loan is fully repaid. It must be held in a separate bare trust (also called a holding trust) for the duration of the loan. Once the loan is repaid, the property transfers into the SMSF’s name. We coordinate with your SMSF adviser and solicitor to ensure this is set up correctly from the start.

Yes, but it must be structured as a Limited Recourse Borrowing Arrangement (LRBA) under the Superannuation Industry (Supervision) Act. This is not optional — all SMSF property loans must meet this requirement. It means the lender’s recourse is limited to the property itself and does not extend to other assets in your fund.

Second mortgages are short to medium-term, typically 3 to 24 months. They are not designed as permanent lending. The exit plan — whether that is refinancing both loans together, selling the property, or repaying from other income — is agreed before settlement.

Common uses include accessing capital for business funding, consolidating high-interest debts (credit cards, personal loans, tax debts), funding renovations or development, covering urgent tax or legal obligations, and accessing additional funds during a fixed-rate period without incurring break fees.

The combined value of your first mortgage and the proposed second mortgage cannot exceed the property’s value — and most lenders require a buffer. The more equity you have, the more options are available and the higher the loan amount accessible. We calculate this clearly for your situation.

Second mortgage lenders take on more risk because they are repaid after the first lender in the event the property is sold. Higher rates reflect that additional risk. We provide a complete cost breakdown upfront so you can assess whether the benefit justifies the cost.

Sometimes your existing loan is worth keeping — you may be in a competitive fixed-rate period where breaking early would cost thousands in fees, or your first lender may not offer additional funds. A second mortgage lets you access equity through a separate lender without touching your current arrangement.

A second mortgage is a loan secured by a second-ranking mortgage over your property, sitting behind your existing first mortgage. A private lender advances funds based on your available equity. Your first mortgage stays in place and is unaffected. If the property were sold, the first mortgage would be repaid first, then the second.

Refinancing typically takes 3 to 4 weeks from application to settlement. We handle the paperwork, lender conversations, and coordination so the process is as smooth as possible.

Breaking a fixed rate early can attract significant break costs — sometimes thousands of dollars. We calculate whether the benefit of switching outweighs the cost of breaking before recommending you proceed.

Yes, though it requires careful consideration. Rolling credit cards, car loans, or personal loans into your mortgage can reduce your overall monthly costs. The trade-off is that you are securing previously unsecured debt against your home and potentially extending the repayment period. We assess whether the numbers genuinely improve your position.

Common uses include funding renovations, providing a deposit for an investment property, consolidating higher-interest debts, or covering other significant expenses. We assess whether accessing equity makes sense for your specific purpose.

Good times to review your loan include when your fixed rate period is ending (before rolling onto a potentially higher variable rate), when your circumstances have improved (higher income, paid down debt, increased property value), when rates have moved significantly since you last borrowed, or when you want to access equity in your property.

Refinancing involves costs — discharge fees, application fees, legal costs — and these need to be recovered through savings before you come out ahead. We calculate the actual numbers for your situation: what you would save versus what it costs to switch, and how long it takes to break even. If it does not stack up, we will tell you.

We arrange bridging finance (buying before your existing property sells), second mortgages (accessing equity without refinancing your first loan), and caveat loans (fast, short-term funding secured by a caveat on your property title).

Yes. If your timeline allows for a cheaper option, or if the cost of private finance outweighs the benefit, we will say so. Private lending is not always the right answer, and we give you an honest assessment before recommending it.

Private lenders focus primarily on the security (usually property), the purpose of the loan, and the exit strategy. Income verification and credit scoring are less central than they are for banks. This means borrowers with strong equity but income that does not fit bank criteria can still access finance.

Most private loans run for 1 to 36 months. They are designed to bridge a gap or solve a timing problem, not to replace long-term bank lending. The exit strategy — how you repay or refinance — is planned before the loan settles.

Private lenders take on more risk than banks because they lend to situations banks decline or cannot process fast enough. Higher rates reflect that risk. The trade-off is speed, flexibility, and access to funds you could not otherwise get. Whether that trade-off makes sense depends on your specific situation and what you stand to gain or lose.

Private lending provides finance through non-bank lenders when a bank cannot help — because the timing is too tight, your income does not meet standard assessment criteria, or your situation does not fit their policies. It is not just for difficult situations; it is a practical tool for circumstances that banks are not set up to handle quickly or flexibly.

Yes, though the options differ from those available to established practices. Newer practitioners may have fewer lenders to choose from and may face tighter criteria. We identify realistic options at your stage and explain what lenders need to see as your practice grows.

The term should align with how long you realistically plan to use the equipment before upgrading. Overly long terms on equipment you will replace early mean you are still paying for something you have moved on from. We consider your practice’s technology refresh cycle when structuring the term.

Medical equipment tends to be higher in value, has longer useful lifecycles, and requires lenders who understand the asset class. Not all lenders are comfortable with imaging or diagnostic equipment values. We work with lenders experienced in medical equipment who offer appropriate terms for these investments.

Yes. An established practice with years of trading history has more options than a newly qualified practitioner setting up for the first time. We assess where you are in your practice journey and identify the lenders and structures that suit your stage.

Yes. Setting up or upgrading a practice often involves multiple items — clinical equipment, cabinetry, sterilisation, imaging, IT, and waiting room furnishings. Bundling these into a single facility is usually more efficient than financing each item separately, and we structure it accordingly.

We finance diagnostic and imaging equipment (X-ray, ultrasound, CT, MRI), treatment chairs, sterilisation units, dental equipment (hand-pieces, CAD/CAM systems, digital imaging), allied health and specialist equipment, and full practice fit-outs including clinical equipment, IT systems, and waiting room furniture.

Yes. Adding second, third, or subsequent investment properties involves more complex serviceability calculations because lenders look at your entire debt position and rental income across all properties. We work with investors building portfolios over time and know how to structure borrowing to support growth.

Rentvesting means buying an investment property in a more affordable area while continuing to rent where you want to live. It is a strategy that lets you enter the property market without compromising your lifestyle. We structure loans for rentvesters at various stages of the journey.

Yes, but SMSF property lending has specific requirements. The loan must be structured as a Limited Recourse Borrowing Arrangement (LRBA) and the property held in a bare trust. We have specialist SMSF lending expertise and work with your SMSF adviser to ensure the structure is correct.

That depends on your strategy, cash flow, and tax position. Interest-only loans reduce your monthly repayments and preserve cash flow, but you are not building equity through repayments. Principal and interest builds equity faster. We explain the trade-offs and recommend what suits your situation.

Yes. If your home has increased in value or you have paid down your loan, you may be able to access that equity as a deposit for your investment property. We assess your equity position and structure the borrowing to suit.

Most lenders require at least 10% to 20% deposit, though some accept less with Lenders Mortgage Insurance. Policies vary between lenders and property types. If you have equity in an existing property, you may be able to use that as your deposit instead of saving cash.

Lenders assess investment loans differently. Interest rates are typically 0.2% to 0.5% higher than owner-occupied rates. Rental income is assessed conservatively — most lenders count only 70% to 80% of expected rent to account for vacancies and costs. Your existing debts also reduce your borrowing capacity for an investment. Understanding these differences helps you prepare a stronger application.

In most cases, no. We receive a commission from the lender when your loan settles, so our service is free to you. We will always tell you upfront if any fees apply to your specific situation.

No. Many lenders accept smaller deposits, though deposits below 20% usually require Lenders Mortgage Insurance (LMI) unless you qualify for a government scheme. Some first home buyer schemes allow as little as 5% deposit without LMI. We assess what applies to your situation.

Typically you will need proof of identity, evidence of income (payslips, tax returns, or business financials for self-employed applicants), a list of assets and liabilities, and details of the property you are purchasing. We walk you through exactly what is needed for your situation.

Standard home loans typically take 3 to 4 weeks from application to settlement, though pre-approval can be arranged more quickly. Complex situations or unusual properties may take longer. We give you realistic timeframes based on your specific circumstances.

Borrowing capacity depends on your income, your existing debts, living expenses, and the lender’s assessment criteria. Online calculators give a rough figure, but the realistic number depends on how your specific situation is assessed. We give you an accurate picture based on your actual position.

We assist with first home buyer loans, refinancing existing home loans, investment property loans, and construction loans. Whether it is your first purchase, a portfolio expansion, or a switch to a better deal, we assess what suits your situation.

A broker compares options across multiple lenders and knows how each one assesses applications. We know how to present your situation properly from the start, which means fewer surprises, faster approvals, and a smoother process. Going directly to one bank means you only see what that bank offers and they may assess your application in ways that do not work in your favour.

It starts with a discovery conversation about your situation and goals. We then assess your borrowing capacity, help you understand your options and any applicable grants, assist with your pre-approval, and once you find a property, handle the full application through to settlement. Most standard home loans take 3 to 4 weeks from application to settlement.

Pre-approval (also called conditional approval) confirms you can borrow up to a certain amount, subject to verification of your information and the property you purchase. Unconditional approval is granted once you have a specific property under contract and the lender has completed its full assessment. We guide you through both stages.

Online calculators give a rough figure, but your actual borrowing capacity depends on how your specific income, expenses, and debts are assessed by a lender. We give you a realistic, accurate picture based on your actual financial position — not a generic estimate.

LMI protects the lender (not you) if you default on a loan with a smaller deposit. It is typically required when your deposit is below 20%. The cost is added to your loan or paid upfront. Government guarantee schemes can allow eligible buyers to avoid LMI entirely with a smaller deposit.

No. Several lenders and government schemes allow smaller deposits. The First Home Guarantee lets eligible buyers purchase with 5% deposit without LMI, and some lenders accept deposits below 20% with Lenders Mortgage Insurance. We assess what applies to your situation and what the most realistic path looks like.

Several government programs exist to help first home buyers. The First Home Owner Grant (FHOG) provides a one-off payment for eligible buyers purchasing or building a new home. Stamp duty concessions or exemptions apply to properties below certain value thresholds. The First Home Guarantee allows eligible buyers to purchase with as little as 5% deposit without paying Lenders Mortgage Insurance. The Family Home Guarantee supports eligible single parents with as little as 2% deposit. We confirm current eligibility and thresholds when assessing your specific situation, as these can change.

Yes. Rather than financing each item separately, multiple pieces of equipment can often be bundled into a single facility — which is simpler to manage and may be more efficient. We assess what makes sense for your specific purchases.

Lenders distinguish between replacing worn-out equipment (maintaining current operations) and buying additional capacity (growth). Both can be financed, but the assessment differs. We present the purpose clearly to ensure your application is assessed fairly and accurately.

Not always. Equipment dealers often offer finance at point of sale for convenience, but it is not always the most competitive option. We compare dealer finance against our lender panel so you can see whether the convenience is worth the cost before you commit.

A residual payment is a lump sum due at the end of the loan term. Including a residual reduces your monthly repayments but means you owe a final amount when the term ends — which you can pay out, refinance, or (in some structures) hand the asset back. Whether a residual makes sense depends on your cash flow needs and what you plan to do with the asset at the end.

Yes. Most lenders finance both new and used equipment, though terms vary by asset age, condition, and remaining useful life. Some lenders specialise in used equipment across specific industries. We identify which lenders offer appropriate terms for your specific asset.

We finance a wide range of business equipment including manufacturing machinery, CNC machines, IT infrastructure, hospitality and retail fit-outs, agricultural equipment, professional services office fit-outs, and technology systems. If it is a business asset with a useful life, there is likely a suitable finance structure.

Fees are typically charged as a percentage of the invoice value, sometimes with additional service fees. The total cost depends on how long your debtors take to pay — the faster they pay, the less you pay. We compare providers to find the most competitive structure for your situation.

Selective invoice finance lets you choose specific invoices to advance, giving you flexibility to use the facility when you need it. Whole-of-book facilities finance your entire debtor book on an ongoing basis, providing consistent cash flow. We help you find the structure that suits your business.

With invoice discounting, you manage your own collections and your clients are unaware of the arrangement. With factoring, the finance provider manages collections on your behalf and contacts your clients for payment. Invoice discounting suits businesses that want cash flow support without changing how they manage customer relationships; factoring suits those who want to free up time spent chasing payments.

Your clients’ creditworthiness matters more. Debtor finance is assessed primarily on the quality of your debtors — the businesses that owe you money — rather than solely on your own financial position. Strong, reliable debtors mean better terms and higher advance rates.

Not in the traditional sense. Debtor finance is a facility secured against your receivables rather than a debt on your balance sheet in the same way a business loan would be. This can be useful when managing your overall financial position and borrowing capacity.

Debtor finance lets you access cash tied up in your outstanding invoices without waiting 30, 60, or 90 days for payment. A finance provider advances you a percentage of the invoice value — typically 80% to 90% — immediately after you raise the invoice. The remaining balance (minus fees) is released once your client pays. You get cash flow now; the provider is repaid when your client pays.

Owner builder loans are available but more restricted — fewer lenders offer them, and loan-to-value ratios are lower than for builds with a licensed builder. We explain what is involved and whether this path is realistic for your situation.

Builds often encounter unexpected costs. Lenders may require a contingency buffer to account for variations. We help you plan for realistic scenarios so you are not caught short if costs increase during the build.

Yes. Your existing land becomes security for the construction loan. We assess your equity position in the land and structure the finance for your build accordingly.

Lenders require your builder to be licensed and insured. Most also require a fixed-price building contract that outlines the work, cost, and timeline. We review your contract for lender compatibility before submitting your application.

Progress payments are the staged drawdowns aligned with construction milestones. When your builder completes a stage and submits an invoice, the lender confirms the work has been done (usually through an inspection) and releases that portion of the funds. We coordinate this process to minimise delays between your builder invoicing and funds being released.

With a standard home loan, you receive the full amount at settlement. A construction loan releases funds progressively as your build reaches specific stages — typically slab, frame, lock-up, fit-out, and completion. You only pay interest on the amount drawn at each stage, not the full loan amount. Once construction is complete, the loan converts to a standard home loan with full repayments.

Different assets depreciate differently — an excavator holds its value differently to scaffolding. Lenders use specific depreciation curves and residual values for each asset type. We know which lenders understand construction assets well and structure finance that reflects the actual value of what you are buying.

Yes. Construction businesses often replace or add equipment in a staggered way — a truck this quarter, an excavator next quarter. We help you plan finance across multiple purchases so each one is structured appropriately and does not disrupt your broader cash flow.

Yes. Winning a contract that requires equipment you do not currently own is a common scenario. The finance needs to move quickly and the structure should account for the project timeline. We arrange finance with turnaround times that match your project deadlines.

Yes. Construction equipment is built to last and well-maintained used machinery can represent excellent value. Not all lenders finance older equipment, but some specialise in it. We know what age limits and conditions apply across our lender panel and match you with the right option.

Yes — and this is one of the most important things to get right for construction businesses. Standard fixed monthly repayments can create pressure during quieter periods. Some lenders offer seasonal or flexible repayment structures that align with your trading patterns and project pipeline. We find and match those lenders.

We finance excavators, bulldozers, loaders, graders, compactors, cranes (tower, mobile, and hoists), rigid trucks, tippers, prime movers, trailers, water carts, generators, compressors, site sheds, scaffolding, and attachments. Both primary equipment and ancillary site equipment can be financed.

We prepare a structured proposal that addresses the bank’s questions upfront — including the property details, lease information, your business financials, and the purpose of the loan. A well-prepared proposal gets to the right decision-maker faster and reduces the back-and-forth that drags out timelines.

We assess whether refinancing makes financial sense after accounting for all costs — including break fees, legal costs, and any changes to loan terms. If the numbers stack up, we manage the refinancing process from start to finish.

Yes. Development finance has specific requirements around feasibility, pre-sales or pre-leasing, and staged drawdowns. We work with lenders experienced in commercial development, from small-scale projects through to larger multi-stage developments.

Yes, including commercial property that your own business leases from the fund — one of the few related-party transactions permitted under superannuation law. The lease must be at market rates and on arm’s-length terms. We coordinate the lending alongside your SMSF adviser to ensure compliance.

Yes, significantly. A well-leased property with a strong tenant on a long lease in a desirable location is assessed very differently to a vacant or single-use industrial property. The strength of the lease and the tenant’s covenant are part of the lender’s risk assessment.

Most commercial property loans require a 30% to 40% deposit, as lenders typically lend up to 60% to 70% LVR. Some lenders will go higher depending on property type, tenant quality, and your overall financial position. We assess what is realistic for your specific property and situation.

Banks assess commercial property through a different lens entirely. They look at the lease terms, tenant quality, remaining lease duration, and how easily the property could be re-leased. Loan-to-value ratios are lower (typically 60% to 70% compared to 80%+ for residential), and for owner-occupied properties, your business cash flow must demonstrate serviceability.

Yes. We work with sole traders through to businesses with facilities over $100 million. The expertise required scales with the complexity — and we handle it ourselves rather than referring commercial work out.

That is a normal business reality, not a problem. We structure finance that accounts for your actual trading patterns and find lenders who understand your industry and cash flow cycle. Seasonal or project-based businesses have specific needs, and the right lender and structure makes a significant difference.

We cover commercial property loans (owner-occupied and investment), business loans (expansion, acquisition, and operations), working capital facilities (overdrafts, lines of credit), and debtor finance (turning outstanding invoices into immediate cash flow).

Yes. Complex structures are exactly where broker expertise makes the biggest difference. We understand how banks assess risk across multiple entities, how to present cross-collateralised security, and how to structure proposals for syndicated arrangements or partnership structures. We translate your business reality into terms lenders understand.

What you tell a bank, the bank cannot unhear. Providing information in the wrong order, over-sharing details that raise unnecessary questions, or submitting financials without context can slow your application, trigger additional scrutiny, or lead to a decline. We prepare proposals that answer the bank’s questions before they ask them.

Commercial lending involves a different risk assessment altogether. Banks look at your business cash flow, entity structure, industry risk, the security offered, and the viability of what you are proposing — not just your personal income and the property value. How your application is presented to a lender matters as much as the numbers themselves.