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.
The Challenge
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
What's Included
Analysis of how much you can realistically borrow given your cash flow, existing debt, and industry. Includes best and worst case scenarios.
Simultaneous applications to 3-5 lenders with terms, rates, and conditions compared side-by-side. You see all options before deciding.
Complete preparation of loan documentation: updated financial statements, business plan, security valuations, cash flow forecasts, anything required.
We coordinate with lenders, respond to queries promptly, negotiate final terms and conditions. You stay informed throughout.
Facilitating loan settlement, drawdown, and ensuring all conditions are satisfied. We manage the legal and practical logistics.
Why It Matters
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 optimized for your cash flow
Expert documentation preparation and application support
Relationship management throughout approval process
The Process
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
Best 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)
Complementary Services
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.
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 optimized cost, flexibility, and growth capacity.
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.
FAQ
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.
Bank rejection doesn't mean you can't borrow. Alternative lenders have different criteria. We assess your situation and identify lenders most likely to approve.
Yes. Asset-backed lending (secured against property, stock, receivables) often achieves better rates. We identify which lenders offer these options.
Lenders pay broking fees, not you. Typical arrangement is 0.5-1.5% of loan amount paid by the lender. Sometimes we negotiate this in your favour as part of the competitive process.
Typically 2-4 weeks from application to approval. Fast-tracked options available if the deal is straightforward. Settlement takes another 1-2 weeks once conditions are satisfied.
Can't find the answer you're looking for? Get in touch
We can help you implement business lending and start seeing results. Book a consultation to discuss your specific needs and explore how this service can transform your business.