Funding structures built around cash flow, security, lender credit policy, and the long-term flexibility your business needs. Not generic loan products — structured solutions.
The businesses that get the best outcomes are not the ones who simply accept the first product offered. They are the ones whose submissions are built around a structure that actually fits their cash flow and risk profile.
Vehicles, trucks, trailers, plant, machinery, specialist equipment, fit-outs, and technology assets. The structural choices here have the most significant impact on tax outcomes, cash flow, and end-of-term flexibility.
You own the asset immediately. Lender holds a security interest. GST on purchase claimed upfront. Common for businesses with strong cash flow and tax depreciation strategy.
Lender owns the asset during the term; you have right of use. Full GST on repayments claimable over term. Residual at end-of-term. Common for equipment with technology refresh needs.
Ownership transfers on final payment. Flexible deposit and balloon options. Interest component deductible. Suited to businesses that want ownership clarity from day one.
Cash flow facilities to bridge receivables timing, fund payroll, manage supplier cycles, and smooth seasonal revenue gaps. Revolving lines of credit give businesses the flexibility to draw and repay as cash flow requires — without taking on term debt for short-cycle needs.
Working capital facilities are increasingly critical with the introduction of Payday Super from 1 July 2026. Use our free calculator to estimate your peak timing gap.
Owner-occupied and investment commercial lending. The difference between a strong commercial property approval and a marginal one often comes down to how the security is positioned — LVR, valuation methodology, covenant structure, and how the lender's credit policy for that asset class is mapped to the application.
We analyse your security position before we approach any lender and structure the deposit and covenant terms to maximise approval likelihood at the right LVR.
Facility design for business purchases, practice acquisitions, expansion capital, management buyouts, and refinancing into a more efficient structure. Business acquisition finance is where credit narrative matters most — goodwill, customer concentration, revenue quality, and the acquirer's track record all feature prominently in the credit assessment.
Unlock cash tied up in outstanding invoices. Advance up to 85% of invoice value — particularly for B2B businesses on 30–90 day payment terms. Both confidential (clients don't know) and disclosed options available. Facility size scales with your debtor book as you grow.
Sector-aware credit submissions for regulated operators. We understand Medicare billing cycles, CRICOS compliance, ASQA requirements, and how lenders assess healthcare and education businesses differently from generic commercial borrowers. See our healthcare and education pages for detail.
Finance is not one-size-fits-all. Lender appetite, serviceability benchmarks, and documentation requirements differ significantly between industries.
Vehicles, plant, equipment, working capital for jobs in progress. We understand seasonal cash flow, contract-based revenue, and progress billing structures.
Fitout upgrades, equipment replacement, seasonal working capital. Lenders that understand variable hospitality revenue and lease-based security structures.
Vehicle and trailer finance, fleet upgrades, facility restructuring. Strong access to transport-specialist lenders with appropriate LVR and term structures.
Practice acquisition, fit-out, technology, and working capital for advisory, legal, and accounting firms. Understanding goodwill and client book valuation.
Medical equipment, practice acquisitions, fit-outs. Medicare-aware credit structuring and understanding of Commonwealth-backed receivables.
Technology infrastructure, campus expansion, cashflow smoothing. CRICOS-aware submissions for private providers, RTOs, and early learning centres.
We understand your objectives, constraints, timing, and what the facility needs to achieve — not just the amount.
We review your financials and risk factors — then position the application to align with how lenders assess credit appetite.
We shortlist based on product fit, current credit appetite, and pricing. One submission, to the right lender.
A complete, well-structured submission — financial analysis, credit narrative, supporting documents. Fewer rounds. Faster assessment.
We manage conditions, coordinate valuations and legal requirements, and keep all parties aligned to a realistic timeline.
General Advice Warning: Information on this page is general in nature and does not constitute financial or credit advice. Credit products are subject to lender approval criteria.
