Asia-Pacific · AUD
Australia combines a concentrated big-four banking sector with an unusually active non-bank lending market. Non-bank providers now dominate speed-sensitive segments — debtor finance, equipment finance and short-term property lending — while the banks retain the cheapest long-dated debt.
Very active non-bank market for debtor and equipment finance
PPSR registration makes security fast and transparent
Property-backed lending remains the cheapest route where available
Two years of financial statements, ATO integrated client account statements and BAS lodgements form the core pack. Outstanding ATO debt is common but must come with a formal payment arrangement to be workable.
Directors are routinely asked for guarantees, and banks will look first at whether residential or commercial property can support the facility, which materially changes pricing.
Debtor finance is competitive and available to businesses well below bank thresholds. Equipment finance for vehicles, plant and agricultural machinery is highly commoditised.
Trade and import finance is well served, reflecting the economy's exposure to Asian supply chains. Private credit funds cover the mid-market above roughly AUD 5m.
Non-bank equipment and debtor facilities often complete in one to two weeks. Bank term debt and property-secured lending takes six to twelve weeks including valuation.
Not automatically. Disclosed arrears with a formal payment plan are workable; undisclosed arrears discovered in diligence usually end the process.
Yes. Receivables, equipment and trade flows all support facilities without real estate, though pricing is higher than a property-secured loan.
Describe your requirement once and we structure it, then approach providers active in Australia whose criteria match. There are no upfront fees — all charges are due only once funding is in place.
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