Why business loans are harder to get right
Business lending is not straightforward. Unlike a home loan where the property is the security and your income is the assessment, business loans involve more moving parts. Getting these right from the start makes the difference between approval and frustration.
Your business structure affects your options
Sole trader, partnership, company, trust, or a combination of entities: each structure is assessed differently. Lenders look at who owns what, who guarantees what, and how income flows between entities.
Financials need context
A set of numbers on their own does not tell your story. A year of lower profit might reflect investment in growth, not a struggling business. We provide the narrative that gives banks the context they need to assess your business fairly.
Secured versus unsecured changes everything
Secured business loans (backed by property or other assets) offer better rates and higher amounts. Unsecured business loans are faster but come with higher rates and lower limits. The right choice depends on your situation, not just what is available.
Industry matters
Some lenders specialise in specific industries or avoid others entirely. A hospitality business is assessed differently to a professional services firm. We know which lenders understand which industries and present your application accordingly.
Personal guarantees are usually required
Most business lending requires directors to provide personal guarantees. We explain what this means for your personal position and help you understand the exposure before you commit.
Business loans for different needs
Business expansion
Growing your business, whether that means hiring staff, entering new markets, increasing production capacity, or opening additional locations. We structure expansion finance that matches your growth timeline and cash flow projections.
Business acquisition
Buying an existing business or a share in a partnership. Acquisition finance requires detailed assessment of the target business, including its financials, assets, goodwill, and future viability. We prepare acquisition proposals that banks can assess clearly.
Equipment and fit-out
Larger equipment purchases, office fit-outs, or technology upgrades that sit outside standard asset finance. When the purchase is significant or involves multiple items as part of a broader business investment, a business loan may be more appropriate than individual asset finance.
Secured business loans
Loans backed by property, equipment, or other business assets. Secured loans typically offer better rates, higher borrowing limits, and longer terms. We assess your available security and structure the loan to maximise what you can access while managing your risk exposure.
Unsecured business loans
Funding without property security, based on your business trading history, cash flow, and financial position. Unsecured loans are faster to arrange but come with higher rates and lower limits. We assess whether unsecured lending suits your needs or whether a secured option is better value.
Startup and early-stage finance
Newer businesses face tighter lending criteria. Limited trading history means fewer lender options, but options do exist. We assess what is realistically available for your stage of business and help you understand what lenders need to see as your business matures.
