Business finance, compared across banks and specialists.
Business finance isn't one product — it's a matching exercise between what you need and what a lender is actually willing to do. A bank might fund your equipment but won't touch your leasehold fit-out. A specialist will fund the fit-out but price it higher. A commercial property purchase may need a different lender again, because the assessment turns on the property's income rather than your trading account. Getting that match wrong is expensive: it costs you time, a declined application and a credit enquiry. We start with the purpose, the amount and the security you can offer, then work out which tier of lender is worth approaching. We compare the major banks, second-tier banks and specialist business lenders, and we explain the structures in plain English — what a residual does to your repayments, how a line of credit differs from a term loan, what a bridging facility really costs if the exit slips. Comparing costs nothing, and you keep the decision.
When it makes sense
- Buying or refinancing commercial premises, from a single workshop to a tenanted strip
- Purchasing a business or a franchise, including the deposit and the fit-out together
- Smoothing cash flow with a line of credit when customers pay slowly and wages don't wait
- Funding growth: new equipment, a second site, or stock ahead of a busy season
- Bridging a timing gap between buying and selling, or between a deposit deadline and a settlement
- Consolidating several business debts into one facility with a manageable repayment
- Financing a fit-out or leasehold improvement where the landlord's lease terms matter to the lender
- Invoice or receivables-based funding when growth is being limited by payment terms
Indicative terms
| Facility size | Indicatively $25,000 to $5 million+ |
| Purposes | Property, equipment, working capital, growth, bridging |
| Security | Assets, property, or cash-flow based depending on the deal |
| Indicative rates | Roughly 7%–14% p.a. depending on security and covenant strength |
| Terms | 6 months for bridging, 2–7 years for equipment, up to 25 for property |
| Structures | Term loan, line of credit, overdraft, lease, rental, invoice facility |
| Documents | Financials, tax returns, entity details, quote or contract, lease |
| Typical timeline | Indicative terms in 1–2 days; property deals 3–6 weeks |
How it works
- Set out the deal — What the money is for, how much, when, and what security you can offer. Vague briefs get vague answers, so specifics help.
- We identify the right tier — Bank, second-tier lender or specialist. We tell you honestly if the deal looks outside what most lenders will fund before you apply.
- Compare the term sheets — Rate is only part of it: fees, covenants, personal guarantees, residual structures and early-exit costs all get laid out side by side.
- Documents and application — We assemble the pack to each lender's checklist and lodge it, so the file doesn't stall on a missing tax return.
- Offer, signing, settlement — We walk you through the credit proposal and conditions, then coordinate signing, registration and drawdown.