Business Loans for Growth, Acquisition & Cashflow
A business loan provides capital to buy a business or franchise, fund a merger or buyout, expand operations, or stabilise cashflow. Our brokers tailor structures term loans, lines of credit and working-capital facilities to your industry, goals and timeframe, aligning policy, pricing and security for smoother approvals. Compare options across 30+ lenders and transition ownership with confidence.
Business Loans for Growth, Acquisition & Cashflow
A business loan provides capital to buy a business or franchise, fund a merger or buyout, expand operations, or stabilise cashflow. Our brokers tailor structures term loans, lines of credit and working-capital facilities to your industry, goals and timeframe, aligning policy, pricing and security for smoother approvals. Compare options across 30+ lenders and transition ownership with confidence.
Why Use a Broker?
Expert advice
Commercial lending is nuanced. We compare lenders, explain trade-offs, and structure a facility that fits your strategy, cashflow, and risk profile.
Quick turnaround
We streamline documents, present a strong credit story, and manage stakeholders reducing back-and-forth and keeping your deal on track.
Broad lender access
We work with over 30 lenders major banks, regionals, and non-banks so you get the right blend of price, policy, and speed.
Transparent fees
Where lenders pay commissions, our service is typically at no cost to you. If a brokerage fee applies, we disclose it clearly upfront.
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How We Find You the Right Facility
Step 1: Discovery & Fact Find
We map goals, timelines, security, cashflow, and serviceability; then identify any red flags early.
Step 2: Strategy & Shortlist
We compare structures (secured, unsecured, low-doc), terms, covenants, and flexibility presenting clear options.
Step 3: Application & Credit
We prepare the credit pack (financials, BAS, forecasts), handle lender queries, and negotiate terms and conditions.
Step 4: Settlement & Next Steps
We coordinate settlement, supplier payments (if relevant), and post-settlement reviews to keep facilities performing.
Business Loan Products
Flexible funds for payroll, inventory, and seasonal swings. Options include overdrafts, lines of credit, and cashflow loans with redraw or revolving limits.
Structured debt for purchasing a competitor, merging entities, or management buyouts aligned to EBITDA, security, and integration milestones.
End-to-end funding to purchase approved franchises covering licence fees, fit-out, equipment, and initial working capital with franchise-friendly policies.
Capital for new locations, refurbishments, or capacity upgrades timed to project stages with progress payments where required.
Unlock cash tied up in receivables. Fund growth without adding term debt ideal for fast-growing businesses with long payment terms.
Facilities for deposits, production, and shipping covering purchase orders and letters of credit to keep supply chains moving.
Vehicles, plant, and technology without tying up capital. Compare chattel mortgage, finance lease, and rental.
Buy or refinance premises with terms structured to cashflow and growth plans potentially improving equity and long-term control.
Freequently Asked Question
They assess cashflow strength (profitability, margins, seasonality), serviceability (coverage of repayments under stress rates), security position (asset quality/LVR), management track record, and a clear use of funds with measurable outcomes. Strong files include up-to-date financials (P&L, balance sheet, BAS), realistic forecasts, aged receivables/payables, and evidence the facility supports growth (e.g., inventory, fit-out, acquisition integration plan). We package a concise credit story to address each point upfront.
Capacity depends on financials, security, industry risk, and term. As rough guides only:
- Unsecured working-capital limits often align to a multiple of monthly turnover with shorter terms (e.g., 12–36 months).
- Secured/equipment facilities track asset value and useful life.
- Property-backed loans can extend further with sharper pricing.
We’ll size facilities against debt service coverage, stress scenarios, and your cash conversion cycle to avoid over-gearing and preserve flexibility.
Not always. Many lenders offer unsecured options based on turnover, trading history, and director guarantees. Pricing usually improves when you offer specific security (e.g., equipment) or property so there’s a trade-off between cost and flexibility. We compare outcomes: unsecured with speed and flexibility vs secured with lower rate/longer term, so you choose intentionally.
Simple working-capital lines can be decisioned in 2-5 business days with complete documents. Asset finance is often 24-72 hours. Acquisitions or property-backed deals may take 2-4+ weeks due to valuation, legal, and credit committee steps. We accelerate timelines by front-loading docs, aligning stakeholders (accountant, solicitor, vendor), and running valuation/credit tasks in parallel.
- Fixed: repayment certainty, useful for capex or predictable projects; may have break costs if you exit early.
- Variable: flexibility to pay down early or redraw; rate moves with market conditions.
- Blend/split: common in M&A or multi-purpose facilities fix a core amount, keep a variable working-capital tranche
We’ll model cashflow impact, total cost, and covenant headroom across scenarios before you commit.
We disclose all costs upfront. Expect some mix of establishment fees, line/unused limit fees (for revolving or construction lines), valuation/legal/QS costs (where applicable), and ongoing account-keeping. Lenders often pay broker commissions; for complex commercial transactions, a brokerage fee may apply clearly quoted in writing before proceeding. No surprises.
Ready to Move Forward?
Let’s map the best pathway for your business clear, practical, and aligned to your goals. We’ll compare lenders, structure the facility, and manage approvals end-to-end.
Lenders in our Panel
We have over 30 lenders in our lending panel and some of our majors are listed below:
