Australia
Australian business lending is dominated by four major banks that tend to want property security. Non bank lenders have taken significant share by funding trading assets instead, which suits growing companies without spare real estate.
| Structure | Where it works |
|---|---|
| Debtor finance | Funds the receivables ledger without a property charge. |
| Equipment and chattel finance | Standard for plant, trucks and machinery. |
| Commercial property debt | For owner occupiers and investors. |
| Private credit | For growth, acquisitions and development. |
If you are being asked to pledge the family home, test the market first. Trading asset lenders often remove that requirement.
Construction sector payment terms and retentions need careful structuring, not a generic facility.
Yes. Debtor and equipment finance are underwritten on the assets themselves, which is exactly why the non bank market exists here.
Two to four weeks for debtor and equipment facilities, longer where property valuations are required.
Tell us what the business in Sydney needs and we will structure the request and approach the providers whose criteria match. No upfront fees, charges apply only once funding completes.
Start a funding request