Who we fund
Business loans by industry
Every industry has its own rhythm of cash in and cash out. These pages show how lenders read the numbers in your trade and which loan structures tend to fit.
Every page in industries
8 plain-English explainers written from the lender's side of the desk. Start with the one closest to your situation.
Trades and construction
Business funding for builders, trades and construction companies: progress-claim gaps, retentions, materials, equipment and when property security makes sense.
Read the explainer →Hospitality
Business funding for cafés, restaurants, bars and accommodation: fit-outs, equipment, seasonal gaps and how lenders read hospitality bank statements.
Read the explainer →Professional services
Business funding for professional services firms: work-in-progress gaps, debtor days, fit-outs, practice purchases, partner buyouts and fee income.
Read the explainer →Manufacturing and wholesale
Business funding for manufacturers and wholesalers: raw materials, large orders, machinery, long customer terms and how lenders assess stock-heavy businesses.
Read the explainer →Retail
Business funding for retail stores: seasonal stock, shop fit-outs, new locations, point-of-sale upgrades and how lenders assess a retailer's takings and lease.
Read the explainer →Transport and logistics
Business funding for transport, freight and logistics companies: fuel and wages, long customer terms, new trucks, repairs and how lenders assess fleets.
Read the explainer →Healthcare
Business funding for medical, dental, allied health and pharmacy businesses: equipment, fit-outs, practice purchases, new sites and how lenders assess them.
Read the explainer →Online stores
Business funding for online stores and ecommerce brands: inventory, imports, marketing spend, platform payouts and how lenders assess sales data.
Read the explainer →Run the numbers first
Free calculators that show your company's position before you talk to anyone. No sign-up, no rates, nothing stored.
Company borrowing power calculator
Estimate what your company could borrow on cash flow and on property, side by side.
Open the calculator →Business loan repayment planner
Turn a quoted total cost into daily, weekly or monthly repayments and test them against your cash flow.
Open the calculator →Property equity and LVR calculator
Work out usable equity and loan-to-value ratio for a first or second mortgage or caveat loan.
Open the calculator →Keep exploring
Lending on turnover
Cash flow loans
Cash flow loans for Australian companies explained: unsecured business loans, lines of credit, invoice finance and short-term working capital, sized on turnover.
Open the hub →Lending on property
Secured loans
Secured business loans in Australia against residential or commercial property: first and second mortgages, caveat loans, bridging and equity release.
Open the hub →Inside the assessment
How lenders decide
What business lenders actually check: bank statements, serviceability, LVR, exit strategy, ATO debt, credit files, guarantees and valuations, explained by a lender.
Open the hub →See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to ask
Your file stays with us
Lender's-eye honesty