Business Owners & Complex Lending
From commercial property and business finance to asset finance for cars, trucks and equipment, insurance premium funding and SMSF lending. I work with business owners and investors whose files don't fit the standard bank checklist, and structure lending around how the business actually runs.
The Reality
Trading companies, trusts, bucket companies, multiple entities, ATO arrangements. Most banks look at that and put it in the too-hard basket.
The result is business owners paying more than they should, waiting longer than they should, or being told no on a position that's actually strong.
It's not an income problem. It's a packaging problem. Your financials need to be read properly and presented to the right lender in the right way.
That's the work I do. Home lending, commercial finance, asset finance for vehicles and equipment, insurance premium funding, and SMSF lending, all under one strategy instead of five disconnected products.
And because I've done this across a wide range of clients, from first-time business owners to high-net-worth families, there's a good chance I've already dealt with a situation like yours.
Buying your premises, funding an investment, or backing the next stage of growth, with lenders who understand how businesses actually trade.
Fund the vehicles and equipment your business runs on, with structures and terms that match how the asset earns its keep.
Commercial insurance premiums can be a serious annual hit. Premium funding spreads them into manageable payments so your working capital stays working.
Buying property through your SMSF has strict rules. I help you get the lending side structured correctly with lenders who are active in this space.
Most declines for business owners are structure issues, not income issues. I read the financials, package them properly, and advocate to the lender.
Your home loan, business lending, and asset finance shouldn't be strangers. I look at the whole position so each decision supports the next one.
In Focus
Buying your premises, funding an investment, or backing the next stage of growth, with lenders who understand how businesses actually trade.
Fund the vehicles and equipment your business runs on, with structures and terms that match how the asset earns its keep.
Commercial insurance premiums can be a serious annual hit. Premium funding spreads them into manageable payments so your working capital stays working.
Buying property through your SMSF has strict rules. I help you get the lending side structured correctly with lenders who are active in this space.
Most declines for business owners are structure issues, not income issues. I read the financials, package them properly, and advocate to the lender.
Your home loan, business lending, and asset finance shouldn't be strangers. I look at the whole position so each decision supports the next one.
Why Work With Me
I've spent 13+ years in finance working with exactly these files. Self-employed, multi-entity, high-net-worth, and everything in between.
I don't need you to translate your business for me. Send the financials. Reading them properly is my job, not yours.
I'll tell you what's strong, what a lender will question, and what I'd fix before applying. No surprises three weeks into an application.
And once it's settled, I stay on it. Rates, structures, and the next purchase. The strategy keeps working after the loan does.
Process
Business structure, entities, income, existing debt, and what you're actually trying to achieve. Not just the one loan in front of us.
Financials read, structure explained, and the file presented the way lenders need to see it to say yes.
Major banks, specialist and commercial lenders. Whoever assesses your situation on its merits, not against a standard PAYG checklist.
Reviews, refinances, the next asset, the next property. The lending keeps pace as the business grows.
You don't need perfect financials to start the conversation.
FAQ
If your lending is spread across products, entities, or lenders that don't talk to each other, or you've been told no on a position you know is strong, this is the call I'd suggest.
Where your lending stands right now
What your structure supports from here
Which lenders fit your file, and which don't
What to fix before the next application
Book Your Call
Book a no-obligation call. We'll look at your structure, your goals, and where the right lending strategy can save you money and open the next move.