Finance built around who you are.
The same loan looks different to a developer, a director with tax debt and an expat in Singapore. Each page below is written for one of them: the objections, the lenders who actually say yes, and an enquiry form pre-set to their scenario.
Property developers
Developers taking residential, townhouse or mixed-use projects from site to completed stock
Builders & trades
Builders, subcontractors and trade businesses funding jobs, equipment and cash flow between claims
Property investors
Commercial, mixed-use and portfolio property investors buying, refinancing or unlocking equity
SMSF trustees
SMSF trustees buying business real property or commercial premises through their fund
Business owners & directors
Company directors and SME owners funding growth, cash flow or a tax debt
Directors with ATO debt
Directors on ATO payment plans, facing a director penalty notice or garnishee action
Impaired-credit borrowers
Borrowers with defaults, judgments, arrears or a prior insolvency on file
Self-employed / low-doc
Self-employed borrowers whose tax returns lag behind current trading
Sole traders
Tradies, consultants and sole operators borrowing without a company structure
Startups
Pre-revenue and early-stage businesses without a trading history to lend against
Franchisees
Franchisees buying into a system, fitting out a site or expanding to another location
Hospitality
Cafés, restaurants, pubs and hotels managing seasonal trade and thin margins
Medical professionals
Doctors, dentists, vets and allied health practitioners buying or fitting out a practice
Transport & logistics
Owner-drivers, freight operators and fleet businesses funding trucks and cash flow
Importers & exporters
Wholesalers and trading businesses funding stock, supplier deposits and payment terms
Farmers & agribusiness
Primary producers, agricultural processors and rural landholders funding land, equipment and seasons
Foreign investors
Singapore, Hong Kong and Dubai based investors and offshore entities financing Australian property
Australian expats
Australians living and earning abroad borrowing for property or business back home
Referrers: lawyers, accountants, buyers agents, insolvency practitioners
Lawyers, accountants, buyers agents, insolvency practitioners and brokers with clients who need commercial finance