Access to competitive lending from 50+ lenders. Structured for your business.
We broker business lending from Australia's major banks and alternative lenders. Rather than applying to one bank and hoping, we position your loan request to multiple lenders, negotiate terms, and secure the best rates and structure for your business. Our lending expertise ensures your application is presented professionally with all required documentation.
Business lending broking is the service of preparing a company's borrowing request, presenting it to a range of banks and non-bank lenders, and negotiating the rate, terms and loan structure on the borrower's behalf rather than applying to a single lender. The broker assesses borrowing capacity, packages the application and manages it through approval and settlement. It’s one function of Finance Broking within your Finance Hub , part of a connected back office.
Common problems we solve
Your bank rejected your loan application and you don't know if you can borrow elsewhere
You're paying above-market rates and don't know what other options are available
You want to consolidate multiple loans but your bank won't help
You need specialist lending (asset finance, invoice financing, property-backed) and don't know where to find it
You're expanding and need significant capital but your usual lender won't stretch to the amount
Here's what you receive
Loan Capacity Assessment
Analysis of how much you can realistically borrow given your cash flow, existing debt, and industry. Includes best and worst case scenarios.
Multi-Lender Comparison
Simultaneous applications to 3-5 lenders with terms, rates, and conditions compared side-by-side. You see all options before deciding.
Application Preparation
Complete preparation of loan documentation: updated financial statements, business plan, security valuations, cash flow forecasts, anything required.
Approval Management
We coordinate with lenders, respond to queries promptly, negotiate final terms and conditions. You stay informed throughout.
Settlement Coordination
Facilitating loan settlement, drawdown, and ensuring all conditions are satisfied. We manage the legal and practical logistics.
How it works
Business lending in Australia has fragmented significantly. Major banks still compete for larger borrowers but have pulled back from smaller businesses. Alternative lenders (non-banks) have filled the gap. Navigating this landscape alone is difficult: you apply to one bank, they turn you down, and you've got no idea whether other lenders would have approved at better rates. We solve this by managing the process professionally. We position your loan request with multiple lenders simultaneously, creating competition that drives better rates and terms. We also ensure applications are presented professionally with all documentation, avoiding rejections caused by poor presentation. Our value is particularly clear for businesses in transition: growth companies wanting to expand, businesses with changed circumstances (recent restructure, expansion, acquisition), or those with previously poor credit. We identify lenders most likely to approve and structure the application to address any concerns.
Access to 50+ lenders (banks, non-banks, specialist lenders)
Multiple loan options compared simultaneously
Competitive rates negotiated on your behalf
Loan structure optimised for your cash flow
Expert documentation preparation and application support
Relationship management throughout approval process
How business lending works
Understanding your borrowing need: amount, use of funds, repayment capacity
Financial assessment: reviewing your accounts, tax returns, and balance sheet to determine borrowing capacity
Lender selection: identifying which lenders are most likely to approve and offer best terms
Application preparation: financial statements, business plan, security documentation
Submission to multiple lenders simultaneously for competitive pressure
Approval management: coordinating with lenders, responding to queries, negotiating final terms
Settlement support: facilitating drawdown and ensuring all conditions are satisfied
Who this service is ideal for
Growing businesses needing capital for expansion
Businesses wanting to consolidate or refinance debt at better rates
Owners with challenged credit situations seeking alternative lending
Businesses needing specialist lending structures (asset finance, receivables financing)
Related services to explore
Loan Refinancing
If you've had loans for more than a year or rates have changed, refinancing often saves significant money. We assess your current loans, identify refinancing opportunities, and execute the refinance to better terms. Common scenarios: rates have dropped, your credit has improved, or you can consolidate multiple loans.
Facility Optimisation
Rather than dealing with loans one-at-a-time, we take a holistic approach to your lending structure. We review all debt, identify inefficiencies, and restructure your entire facility, consolidating, refinancing, and reallocating borrowing, for optimised cost, flexibility, and growth capacity.
Financial Strategy
Financial strategy translates business vision into financial reality. We develop 3-5 year financial plans aligned with your growth ambitions, identify capital requirements, plan for profitability milestones, and ensure financial decisions support strategic goals. This bridges the gap between business strategy and financial execution.
Frequently asked questions
The short answers are here. For anything else, ask below or get in touch.
Borrowing capacity depends on your serviceability: cash flow after tax, existing debt, and interest rate buffer (most lenders test at 7%+ regardless of actual rate). We assess your capacity and identify realistic borrowing amounts.
Ready to get started with business lending?
We can help you implement business lending and start seeing results. Talk to an advisor about your specific needs and how this service would fit your business.