$500k Unsecured Refinance
Hospitality group consolidating multiple high‑interest facilities.
7‑year term • Cash flow improvedFunding built around your business model.
Lower your cost of capital, protect cash flow, and unlock borrowing headroom — without unsafe risk.
Funding Options
Commercial finance tailored to your business model.
Business Acquisition Loans
Fund acquisitions without choking cash flow.
Property & Development Loans
Structure projects with the right terms and security.
Asset Finance
Vehicles, machinery, and operational equipment.
Unsecured Business Loans
Move quickly without tying up property.
Cash Flow & Invoice Finance
Smooth the working capital cycle as revenue scales.
Residential Structure Review
Align personal lending with commercial goals and risk.
Finance‑as‑Strategy
We start with margins, cash cycle, and risk — then match the facility to fit.
1
Capital Review
High‑level view of revenue, debt structure, risk, and growth objectives.
2
Diagnostics
Deep review of P&L, balance sheet, cash cycle, terms, and covenants.
3
Structure Plan
Exact recommendations: refinance, restructure, eliminate, or add.
4
Implementation
We handle lenders, you run the business.
5
Optimisation
Quarterly/biannual reviews as revenue scales.
Difference: We restructure before we refinance — so you get lower cost, better flexibility, and safer headroom.
Eligibility & What to Prepare
A quick read to speed up approvals.
Who we help
- Established: $1.5M–$10M+ revenue, 2+ years trading
- Scaling: approaching $1M revenue
- Trading businesses with real cash cycles
What to have handy
- Recent P&L & balance sheet
- ATO status
- List of current facilities & security
- Growth goals & timeline
Case Studies
Real constraints. Real outcomes.
$560k Business Acquisition
Experienced operator acquiring a venue under a new entity.
Funded with growth headroom$200k BAS‑Based Loan
Construction business with limited company history.
Approved with major bank$80k Truck Finance
New transport company with limited trading history.
Short‑form approvalFAQs
Quick answers. No fluff.
Do you only work with specific industries?
No. We work with trading businesses across sectors. What matters most is your cash cycle, risk profile, and growth plan — not your industry label.
How fast can you secure funding?
Typically 1–6 weeks depending on documentation and lender positioning.
Do you help with businesses under $1M?
Yes — through the Scaling pathway. We ensure operational clarity first, then layer funding.
Do you provide ongoing support?
Yes. Lending should evolve with your business. We review quarterly and adjust strategy as revenue, margins, and operations change.
Do you charge advisory fees?
Depends on complexity. Many engagements are success‑based through facility execution. Larger restructures may involve advisory components.
Book Your Discovery Call
Start with a 20‑minute call. We’ll map goals, review numbers, and outline a custom growth & lending plan.