Most business owners lose sleep over funding. The right structure, the right lender, and the right submission changes that. Here is what we finance.
Facility type, term, balloon, security package, lender chosen. Every structural decision has flow-on consequences for your tax position, your cash flow, and your approval probability. Businesses that accept the first product offered often carry a structure that costs them more than it needed to for years. Krishna has spent 20 years building credit structures. That is what you access here.
Finance for trucks, trailers, plant, machinery, medical equipment, technology assets, and commercial fitouts. Business equipment finance and commercial equipment finance structural choices have the most significant impact on your tax outcome, your cash flow, and your flexibility at end of term. Getting this right from the start saves money for years.
You own the asset from day one. The lender holds a security interest. GST on the purchase is claimed upfront. Common for businesses with strong cash flow and an active tax depreciation strategy.
The lender owns the asset during the term. You have the right of use. Full GST on repayments is claimable progressively. Residual at end of term. Common for equipment with technology refresh requirements.
Ownership transfers on final payment. Flexible deposit and balloon options. Interest component is tax deductible. Suited to businesses that want ownership clarity from day one without a large upfront GST claim.
Working capital loans and business cash flow finance to bridge receivables timing, fund payroll, manage supplier cycles, and smooth seasonal revenue gaps. A revolving business line of credit Australia-wide gives you flexibility to draw when cash is needed and repay when revenue arrives.
Working capital facilities are increasingly critical with the introduction of Payday Super from 1 July 2026. For businesses currently managing on a quarterly super float, this is a structural funding shift. Use our free calculator to model your peak timing gap before the deadline.
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 maps to your application. Krishna analyses your security position before approaching any lender.
A business loan to purchase a business is where the credit narrative matters most. Goodwill valuation, customer concentration, revenue quality, and the acquirer's financial track record all feature in lender assessment. Krishna has spent two decades on these credit committees. He knows exactly how to frame the narrative so the right lender says yes.
Unlock cash tied up in outstanding invoices. Advance up to 85% of invoice value. Particularly effective for B2B businesses on 30 to 90-day payment terms. Both confidential and disclosed arrangements available. The facility scales with your debtor book as your business grows, making it one of the most flexible business finance options available to Australian SMEs.
Sector-aware credit submissions for regulated operators. Krishna understands Medicare billing cycles, CRICOS compliance, ASQA requirements, and how lenders assess healthcare and education businesses differently from generic commercial borrowers. A GP practice with Commonwealth-backed receivables is not the same credit risk as a retail business. We do not treat them the same. See our healthcare and education pages for specific detail.
Lender appetite, serviceability benchmarks, and documentation requirements differ significantly across industries. Krishna has direct lending experience in every sector below. The framing that gets a transport operator approved is different from what gets a healthcare practice funded.
Vehicles, plant, working capital for jobs in progress. Progress billing, seasonal cash flow, contract-based revenue. We frame all of it the way lenders need to see it.
Fitout upgrades, equipment replacement, seasonal working capital. Lenders who understand variable hospitality revenue and lease-based security, not banks who decline on principle.
Truck finance, trailer finance, fleet upgrades, owner-driver structures. Business vehicle finance and vehicle finance for small business from lenders with genuine transport appetite.
Practice acquisition, goodwill finance, technology, working capital for advisory, legal, and accounting firms. We know how to value and finance recurring fee income and intangible assets.
Medical equipment, practice acquisitions, fitouts. Medicare-aware credit structuring. Commonwealth-backed receivables framed the way a healthcare lender wants to see them.
Technology infrastructure, campus expansion, cash flow smoothing. CRICOS-aware submissions for private providers, RTOs, and early learning centres.
Krishna understands your objectives, your constraints, and what the facility needs to achieve. This shapes every decision that follows.
Your financials reviewed through a credit analyst lens. Strengths identified. Issues addressed. The application positioned to align with how lenders actually assess credit appetite for your industry.
Shortlisted based on product fit, current credit appetite, and competitive pricing. One submission, to the right lender. Not a scattergun approach that leaves credit enquiry marks across your file.
A complete, well-structured submission built the way an institutional credit analyst expects to receive it. Fewer rounds of information requests. Faster assessment. Better outcome.
Krishna manages conditions, coordinates valuations and legal requirements, and keeps all parties aligned to a realistic timeline. You are kept informed at every stage.
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.