Beyond placing a loan. We sit on your side of the table.
We work with trading businesses across manufacturing, transport & logistics, wholesale, retail, education and more. With 60+ lenders on panel and 15+ years of commercial and institutional banking experience, we understand both sides of the credit conversation.
That matters because the lending decisions made at the structure stage shape what your business can do for years afterwards. Our job is to design lending that performs today and continues to work as the business evolves.
Our strong network of decision-makers means we can:
- Negotiate better terms by leveraging trusted relationships
- Secure fast approvals with direct access to credit teams
- Structure complex transactions other brokers can’t
Three sizes, one approach
The right structure looks different depending on the size and complexity of the lending. Here’s where we fit across the spectrum.
- Instant approval loans
- Fast approval lending
- Lease doc lending
- No financial covenants
- Standard corporate structures
- Typically fully secured
- Some unsecured options available
- Financial and non-financial covenants may apply
- Fully and partially secured lending
- Industry specialisations
- Scope for complex transactions and structures
- Tailored relationship pricing
- Multi-product packages (working capital + property + asset finance)
- Financial and non-financial covenants
- Fully secured, partially secured and unsecured lending
- Industry specialisations
- Multibank and club arrangements
- Complex security and intercreditor arrangements
- Suited to sophisticated mid-market businesses
The common lending needs
We build the lending package around what the business actually needs, not what a single product is designed to do.
Working Capital
Overdrafts, lines of credit, trade finance, debtor finance and seasonal facilities. Funded for the rhythm of the business, not a generic loan calculator.
Working capitalAsset Finance
Vehicles, equipment, plant, fit-outs, imported gear. Chattel mortgage, hire purchase, finance lease or operating lease. Structured to protect cash flow.
Asset financeAcquisition Lending
Lending to acquire another business. Typically amortising over five years, structured around the combined cash flow and the deal mechanics.
Acquisition financeProperty Purchases
Commercial property acquisitions for owner-occupiers and investors. Warehouses, retail, offices, accommodation assets and specialist property.
Commercial propertyRefinancing
Rebuilding the lending position when the incumbent has gone stale, pricing has moved, or the business has outgrown the current structure.
Talk to usAsset Split-Outs
Separating commercial property from the trading business to ringfence assets, optimise security, or prepare the business for sale or succession.
Talk to usHow we work
The path from first conversation to formal approval. Indicative terms typically inside a week.
Initial meeting
Understand the business, the objective and the constraints. No paperwork yet.
Preliminary analysis & credit paper
We prepare the credit case and share with prospective lenders, detailing proposed servicing and security.
Indicative term sheets
Credit-tested term sheets from competing lenders covering pricing, structure, covenants and any outstanding information.
Preferred lender nominated
Missing information provided to the lender. Credit team progresses to formal approval.
Formal approval & settlement
Approval attained. Documentation signed. Conditions precedent met. Funds drawn.
Fast options for simpler transactions
Not every transaction needs full-blown commercial credit. For smaller, simpler deals, we work with streamlined lending offerings that compress timeframes dramatically:
- Instant approval lending — applications inside an hour for loans up to $0.5m. Sole trader through to small company structures, GST-registered, twelve months of trading. Examples: ANZ GoBiz, NAB QuickBiz.
- Streamlined commercial lending — fast refinancing of existing commercial loans up to $1.5m with minimal information. Or new lending up to $1.5m secured / $0.3m unsecured with a reduced documentation pack.
- Lease doc lending — simplified criteria for commercial property lending up to $3m. Serviced by the lease, secured by the property. Interest cover above 1.5x, LVR below 65%.
The point: we don’t over-engineer transactions that don’t need it. Where streamlined products give you the right outcome faster, we use them.
Got a transaction in mind?
The earlier we’re involved, the better the structure. Send us the brief and we’ll come back with a view inside a day.