Australia
Melbourne's lending market is dominated by the major Australian banks, though a well established layer of non bank lenders now competes hard on speed and flexibility for mid sized businesses. Manufacturing, logistics and a growing technology sector each draw distinct types of lending interest.
| Structure | Where it works |
|---|---|
| Bank term loan | Best pricing for established businesses with strong security and trading history. |
| Invoice finance | Widely used by manufacturers and service businesses managing extended payment terms. |
| Equipment finance | Standard route for machinery, vehicles and technology equipment. |
| Commercial mortgage | For owner occupiers and investors, priced on rental cover and location. |
Bank facilities typically take six to ten weeks, non bank lenders can complete in one to three weeks for standard facilities.
Directors of Australian companies should expect personal guarantees to be requested on most facilities below a certain size.
Comparing bank and non bank quotes side by side is worthwhile, since pricing and speed trade offs vary meaningfully between the two.
Many are well established and widely used, particularly for invoice finance and equipment finance where speed matters more than achieving the absolute lowest rate. Checking a lender's track record and terms carefully is still worthwhile.
Not always, but it is common on smaller facilities. Larger, well secured facilities or those with strong trading history can sometimes avoid or limit guarantee requirements.
Reasonably competitive given the ongoing expansion of logistics and industrial precincts around the city, with both banks and specialist commercial lenders active.
Tell us what the business in Melbourne needs and we will structure the request and approach the providers whose criteria match. No upfront fees, charges apply only once funding completes.
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