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Business loans
Whether you're expanding, buying a business or smoothing out cash flow, the right lending structure matters. With 15 years in banking and commercial lending, we understand how lenders assess businesses and how to present yours well.
At a glance
15 years
in banking and commercial lending
Banks + more
including specialist business lenders
Upfront
our fee explained before we start
What it may help with
Growing your business, such as new premises, staff or stock.
Buying a business, or buying out a partner.
Cash flow, through an overdraft or working capital facility.
Equipment and vehicles. See Asset finance.
Commercial property. See Commercial property.
Restructuring, such as combining business debts into one facility.
Your options
Secured against property, often your home or a commercial property. Usually the lowest rates and longest terms.
Purely based on business's cash flow and the track record of business operators, rather than property. A niche area of lending. We can help with unsecured lending from $200,000 onwards.
A limit you draw on and repay as needed, useful for seasonal businesses or uneven cash flow.
Be prepared
Lenders usually want to see how your business is performing and how the loan will be repaid. Newer businesses may still have options with some lenders.
A business plan showing your experience, market knowledge and strategy, and how the loan will be repaid.
At least 2 years of financial statements, or management accounts for newer businesses.
Recent bank statements and a GST and tax position that's up to date.
A clear purpose for the funds and how they'll be repaid.
Details of any security you can offer.
Download our free business plan template. It covers what lenders usually look for, including extra sections if you're buying an existing business.
How we help
We look at your goals, trading history and what the funds are for.
We help you present your business the way lenders like to see it.
Banks and specialist business lenders, side by side.
We check in as your business changes, so your lending keeps up.
Unlike most home loans, business lending carries a fee for our advice. We explain the fee upfront, before we start, so there are no surprises.
Questions we hear often
Often, yes. It may get you a lower rate, but your home is at risk if the business can't repay, so weigh it up carefully. Talk to your lawyer and accountant too.
Possibly. Some lenders may consider a shorter trading history, especially with strong cash-flow, security or experience in the industry.
Usually, yes. Lenders want to see your experience, market knowledge and strategy, and how the loan will be repaid. If you're buying a business in an industry that's new to you, they'll also want to see your training, the handover period with the current owner, the due diligence you've done and your accountant's input. A good plan shows your commitment to making the business a success. Our free template may help you get started.
It may make borrowing harder, as many lenders want your tax position up to date. Talk to us early, so we can look at your options.
It depends on how complex your deal is. Secured loans usually involve valuations and legal work. Unsecured deals depend on how well the lender understands your business, so we take them to lenders who are open to them.
Without property as security, the lender relies on your business's cash flow and on the experience and track record of the people running it. Not every lender is comfortable with that, and many specialist lenders prefer to lend against property. We understand which lenders are more open to unsecured deals and how to present yours. We consider unsecured lending from $200,000.
Yes, business lending carries a fee. We'll tell you what it is before we start.
A no-obligation chat may show you the funding options open to your business.