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Commercial Finance
Funding for established operators — growth, stock, tax, wages, or bridging the gap between doing the work and getting paid for it.
Overview
Commercial lending is less about the asset and more about the business behind it.
Where equipment finance is secured against a machine with a resale value, most commercial facilities are assessed on trading performance: how consistent your turnover is, how you manage your ATO position, and whether the business can comfortably service the repayment alongside everything else it is carrying.
That makes lender selection critical. Appetite in this space shifts constantly, and a file that is declined by one lender on Monday can be approved by another on Tuesday without a single figure changing.
Scope
Plenty of businesses carry an ATO arrangement and still get funded. What matters is whether the arrangement is documented, whether you have kept to it, and how it sits against turnover. Tell us about it early — lenders find out regardless, and it goes better when it is disclosed rather than discovered.
Structures
A fixed term and fixed repayments with no property security. Arranged on trading history and bank statements rather than property security.
Backed by property or business assets. Longer terms and better pricing, with a correspondingly longer assessment.
A limit you draw against as needed and repay when you can. Suited to businesses with genuinely lumpy cash flow rather than a one-off funding need.
Funding advanced against outstanding invoices. Useful where the money is earned but sitting in someone else's payment terms.
Assessment
Disclosure
An ATO arrangement, a soft quarter, a director with a mark on file. These are the things people leave out, and they are exactly the things that determine which lender to approach.
Lenders find them regardless. A file that discloses them up front and explains the context gets a considerably better hearing than one where they surface at credit assessment.
Common questions
Most commercial lenders want to see at least six to twelve months of trading under the current entity. Below that the options narrow considerably, though director experience and a strong asset position can sometimes bridge the gap.
Not necessarily. Unsecured facilities exist and are common, though they are priced accordingly and the limits are lower. Where property is available, offering it usually improves both the amount and the terms.
For a straightforward unsecured facility with clean bank statements, this is among the shorter assessments on the panel. Secured facilities take longer because valuations and legal work are involved. We will tell you which timeline you are realistically on at the first call.
Next step
Tell us what you are looking to finance and we will come back to you with the options worth considering.
