Running a business takes courage, and sometimes it takes capital. Whether you need to smooth out cash flow, fund an expansion, or bridge a gap, we help you find the right business finance and present your application in the strongest possible way.
Types of business finance
Term loans
A lump sum borrowed up front, repaid over an agreed term with regular payments. Good for specific purchases like equipment, vehicles, or fit-outs. The loan may be secured or unsecured.
Overdrafts
A flexible line of credit linked to your business transaction account. You can draw down up to an agreed limit and only pay interest on what you use. Good for managing cash flow gaps — like waiting for invoices to be paid.
Line of credit
Similar to an overdraft but usually a separate facility. You can draw, repay, and redraw up to an agreed limit. Useful for ongoing or unpredictable funding needs.
Invoice finance
The lender advances you money against your outstanding invoices. You get paid sooner, and the lender collects from your customers when the invoices fall due. Can help if you have slow-paying clients.
What lenders assess
- Trading history — typically 2 years of financials, though some lenders accept less
- Cash flow and profitability
- The purpose of the loan and how it will be repaid
- Your personal financial position (especially for smaller businesses)
- Existing debts and obligations
- Industry and market conditions
How a broker helps
Business loan applications can be complex. We help you:
- Understand which lenders fit your situation and industry
- Prepare and package your application to present your business clearly
- Compare offers across 90+ lenders — not just your existing bank
- Navigate the fine print on fees, conditions, and covenants
- Structure the finance to protect your cash flow
Book a free chat with James to discuss your business finance needs.
General information only. Talk to James for advice tailored to your situation.