Finance that moves at the speed of your business.
Working capital, equipment, expansion or commercial property — we match your revenue, security and trading history to the lenders who actually fund businesses like yours, across a panel of 50. And we'll show you when securing a facility against property changes the maths entirely.
Secured vs unsecured: mind the gap.
The same business can be offered wildly different pricing depending on whether the facility is secured against property. If you have equity, it's usually the single biggest lever on cost.
Secured band reflects the RBA's small-business residentially-secured variable rate (~7%, RBA Table F7, May 2026). The unsecured band is indicative of typical unsecured and online-lender pricing — it is not an RBA series and varies widely by lender. Actual pricing depends on the lender, security, turnover and risk profile, and is confirmed in writing. Not an offer of credit.
Every kind of business finance.
One conversation, the whole panel. Tell us the job the money needs to do and we point the search at the right lenders.
Working capital
Cash-flow funding, overdrafts and short-term facilities to smooth the gaps.
Equipment & asset finance
Vehicles, plant and machinery — chattel mortgage, lease or hire purchase.
Expansion & growth
Fund a new site, acquisition or fit-out with term debt structured to cash flow.
Commercial property
Owner-occupied or investment commercial property purchase and refinance.
Lines of credit
Revolving facilities you draw on as needed — often secured for sharper pricing.
Private & short-term
Bridging, caveat and private funding when the banks are too slow or too rigid.
What a business lender actually assesses.
Home lending is about you. Business lending is about the business — these are the three figures that decide the answer.
Debt service coverage
Whether the business earns enough to comfortably cover the new repayments. Most lenders want cash flow at 1.2–1.5× the debt service. It's the number that makes or breaks a commercial deal.
Revenue & margins
Turnover, gross margin and add-backs. Lenders read your BAS, financials and bank statements to size a facility you can actually sustain — not just the maximum.
Trading history
Time in business, ATO position and director history. Under two years trading narrows the panel; the right specialist lender still says yes where a major won't.
The lending backdrop, July 2026.
Banks, non-banks and specialists.
Business finance rarely fits one lender's box. We spread your scenario across the panel to find the one that funds it well.
Major banks
Sharpest pricing for established, secured, strong-cash-flow businesses.
Business specialists
Faster, more flexible on security and trading history than the majors.
Equipment financiers
Purpose-built for vehicles, plant and machinery — often same-week.
Private & bridging
Short-term and situational funding when speed or structure matters most.
What the assessment shows.
- Asset $180,000 excavator
- Business age 4 years trading
- Annual turnover $1.4M
- Security chattel mortgage over asset
- Lenders that fit shortlisted from panel
- Chattel vs lease vs hire purchase compared
- Balloon / residual options modelled
- Fastest realistic settlement flagged
Illustrative example only, not an offer of credit or a guarantee of approval or a particular rate. Actual options depend on the business, the lender, the security and the product, and are confirmed in writing.
Business finance FAQs.
Can I get a business loan without using my house as security?
Yes — unsecured and cash-flow facilities exist and don't require property. But they price for the extra risk, so the rate is usually far higher than a secured facility. If you have property equity, we'll show you both so you can weigh the rate saving against the security you'd be offering.
How long does my business need to have been trading?
Many mainstream lenders want two years of financials, but plenty of specialists fund newer businesses — some from six months, using bank statements and BAS rather than full financials. Time in business narrows the panel rather than ruling you out; we match you to lenders comfortable with your stage.
What documents will I need?
Nothing for the initial assessment. To proceed, business lenders typically want recent BAS, business bank statements, financial statements (where available) and ID. We give you a specific checklist based on the facility and lender.
Do you charge fees for arranging business finance?
For most facilities we're paid by the lender on settlement, at no cost to you. Some commercial and private transactions carry a fee, which we always disclose to you in writing up front before you commit. Details are in our Credit Guide.
Is commercial finance regulated like a home loan?
Much business and commercial lending sits outside the National Credit Code that governs consumer home loans. We arrange commercial finance through Esteb Capital; consumer credit is provided under Esteb & Co (Credit Rep #574071). We'll tell you which framework applies to your deal.
Fund your next move.
Tell us what the finance is for and we'll come back with the lenders that fit — and the smartest way to structure it.
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