Banks can be slow, inflexible, and not great at understanding the way small business actually works. We know the lenders who are different — and we get your finance structured properly from the start.
Running a business means wearing a dozen hats at once. Finance shouldn't be one of them. Whether you need equipment, a cash injection, or a commercial property — we handle the lender side so you can focus on what you're actually good at.
We've worked with tradespeople, retailers, hospitality businesses, professional services firms, and everything in between. The situations are different but the goal is always the same: get you the right finance, structured properly, without taking over your calendar.
Different needs call for different products. Here's what we work with most — and if yours doesn't quite fit any of them, just ask.
New machinery, vehicles, tech, fit-out. Equipment lending lets you preserve your working capital while acquiring the assets you need. We structure repayments around your cash flow, not a generic schedule.
Enquire nowFast access to working capital without putting up an asset. Great for short-term needs, cash flow gaps, or opportunities that won't wait. Some lenders can settle in days.
Enquire nowBuying, refinancing, or developing commercial real estate. We work with lenders who understand commercial lending — and who won't try to apply a residential lens to a commercial deal.
Enquire nowConstruction and development has its own financing logic — progress draws, feasibility, presales. We work with specialist funders who understand how a development actually runs.
Enquire nowIf you're waiting on invoices to be paid, invoice finance unlocks that cash now. Useful for businesses with reliable clients but lumpy cash flow — you get paid without chasing.
Enquire nowBroader than equipment — we can finance almost any physical business asset. Speak to us if you're unsure whether what you need falls into a standard category. Chances are we've seen it before.
Enquire nowBanks look at financials and see risks. Good business lenders look at the same numbers and see a picture. The difference often comes down to how the application is prepared and who's presenting it.
We work with lenders who are set up for self-employed borrowers — not ones who'll treat you like a PAYG employee who doesn't quite fit the box.
Add-backs, trust structures, multiple entities — we know how to frame your financials in a way lenders respond to, because we've done it hundreds of times.
Fifty-plus lenders means more than just the big four. Non-bank lenders often have faster turnaround, more flexibility, and a better appetite for business lending.
The cheapest rate isn't always the best deal. We look at the full structure — fees, flexibility, draw schedules, repayment terms — and match you with lenders suited to your specific situation.
Three steps, and we do most of the heavy lifting.
We start by getting a clear picture of your business — what you need the finance for, your revenue profile, your timeline, and whether you have assets to put up or need unsecured options.
We go across our panel and identify lenders suited to your industry, size, and credit profile. Then we present your options clearly — no jargon, no pressure, just your choices laid out.
We handle the application, the document collection, and the back-and-forth with lenders — keeping you posted at every stage so there are no surprises.
Not always. Some lenders focus on cash flow rather than profit — so if you're trading well but your net profit looks low on paper (as it often does with small businesses), there may still be solid options. Asset-backed lending can also work independently of profitability. We'll tell you honestly what's available for your situation.
It depends on the product. Unsecured business loans can settle in as little as 24–48 hours once approved. Equipment finance typically moves within a week. Commercial property takes longer — usually 4–8 weeks depending on the deal complexity. We'll give you realistic timelines upfront so you can plan accordingly.
Typically two years of business financials, BAS statements, and three to six months of business bank statements. For equipment or asset finance, details of what you're purchasing. We'll give you a precise list for your specific situation before you start pulling things together — no point gathering documents you don't need.
Often yes. Banks have narrow criteria and limited appetite for anything that doesn't fit their standard scorecard. Non-bank lenders are built differently — they look at the business more holistically, weigh up the full picture, and are often comfortable with situations the big banks won't touch. A knock-back from your bank isn't the end of the road.
Tell us what you need and we'll come back to you with something useful — not a generic quote, but a real assessment of your options. No cost, no obligation.