Questions owners and finance leads ask

Mainly established Australian businesses turning over roughly $1 million to $50 million a year — companies with staff, a trading history and usually an existing bank relationship. Smaller trading businesses can enquire too; options are sized to turnover and the security available.

Property-secured facilities run from $20,000 to $5,000,000 using first mortgages, second mortgages or caveats over residential or commercial property. Unsecured cash-flow and line-of-credit options for trading businesses typically run from $5,000 to $500,000, sized on turnover and bank statements.

No. There's no credit check when you first enquire. A credit check is only discussed once you've seen a proposed structure and chosen to proceed.

No. We don't operate as a lead farm. A specialist reviews the file, works out which structure fits, and approaches the funder suited to it.

Because a headline rate says little about your facility. Pricing depends on security, trading history, purpose, term and exit. We set out the full cost of any proposed structure — including fees — before you commit.

Business purposes only: working capital, stock, capex, refinancing existing business debt, paying out ATO debt, acquisitions, management buy-outs, partner exits, succession payments, contract mobilisation and expansion.

Often. A second-ranking facility or a separate line of credit can sit alongside bank debt. Check your facility terms for restrictions on further borrowing or security, and raise it with us on the first call.

That's a common reason established businesses contact us. The earlier we see the numbers and the maturity or reduction date, the more options there are — from a replacement working capital limit to a full refinance.

Not automatically. ATO debt and past credit issues are considered case by case. Clearing ATO debt as part of a refinance is common.

Yes, typically as part of a structure that also includes the buyer's equity and vendor terms. Property security often supports the lending component, since goodwill alone is hard to lend against.

Yes. These usually combine vendor finance or deferred payments with property-backed lending, sized so the business keeps enough working capital to trade.

No. Trading businesses without property can be considered for unsecured options, typically $5,000 to $500,000. Property security widens the range and the flexibility.

For the first conversation, very little. If you proceed, expect financial statements, management accounts, a debt schedule, bank statements, identification and property details, scaled to the size of the facility.

Yes. Many enquiries come from finance directors and external accountants on behalf of the business.

It depends on the structure, security and how quickly information is available. Property-backed facilities involve valuations and legal documents; refinances depend on the outgoing lender's discharge process. We give a realistic timeline once we understand the situation.

Because it decides the first call. Accurate amounts, turnover, existing debt and property details let us match you to the right structure first time instead of revising it later.