Business funding · Oceania · AUD

Business funding in Australia

Australia has an active non bank market alongside the major banks, particularly in debtor finance and equipment lending. Mining services, construction and logistics businesses are well served.

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Debtor finance widely available to established trading businesses

Equipment and fleet finance approved quickly

Private credit funds active in the mid market

What lenders review

Two years of financial statements, BAS lodgements, aged receivables and PPSR registrations shape the decision. ATO arrears can be worked with when a payment plan is documented and current.

Timelines

Debtor and equipment facilities usually settle within two to four weeks. Property secured lending runs six to ten weeks with valuation and legals.

Facilities we arrange

  • Debtor finance and invoice discounting
  • Equipment and fleet finance
  • Trade finance and import lines
  • Private credit and cash flow loans

Questions

Do directors need to give guarantees?

On unsecured lending yes in most cases. Asset backed facilities often limit the guarantee.

Can seasonal businesses be funded?

Yes. Facilities can be sized to peak trading periods where the cycle is documented.

Describe your requirement once. We structure it and approach the providers whose criteria fit. No upfront fees, charges are due only once funding is in place.

Start a funding request