Service · 05
Business finance, quietly arranged .
Commercial property, working capital, equipment finance — sourced through a small panel of relationship-led commercial lenders and arranged without disrupting operations.
01 · In practice
Commercial lending is relationship work, not application work.
The loan that gets approved is usually the one where the lender has been briefed early, accurately, and in writing — not the one that arrives cold via a portal. We brief the lender before the application is opened, so the conversation is structural rather than reactive.
The Strategy Memo for commercial files is longer than residential — covenants, security, drawdown structure — and is shared with your accountant or solicitor as a matter of course.
02 · Questions we cover
Four conversations before any lender is named.
Owner-occupied vs. investment commercial property — the rate, the LVR, and the ongoing covenant differ materially.
Working capital lines vs. term loans — for cash-flow lumpiness vs. a specific asset purchase.
Equipment finance — chattel mortgage vs. hire purchase vs. lease, and which structure suits your tax position.
Whether bank, non-bank, or specialist lender is most appropriate for the situation — and why.
03 · What to gather
The evidence pack for a commercial application.
Last two years of company financials (P&L plus balance sheet).
Last two BAS lodgements.
Aged debtors and aged creditors reports if available.
Existing commercial loan statements and any active facility limits.
Identity documents and ASIC company extracts for each director.
07 · The conversation
Start with a written assessment, not a sales pitch.
Fourteen minutes — long enough to understand your situation, short enough to respect your time.