ATO debt had progressed to a director penalty notice (DPN), requiring a carefully structured funding solution.

Funding was secured in two phases. The initial facility was supported by a second mortgage over the owner-occupied property, then released through a refinance into an unsecured facility.

New to business doesn’t mean no to finance. We secured $60,888 for a Hyundai excavator despite only months of trading by positioning the client’s transferable experience. The right structure and lender made the difference—approval where others would decline.

Prior liquidation and no property ruled out most lenders, but we structured a fully funded solution.

The client can now own equipment, reduce hire costs, and improve margins—turning a tough deal into a growth opportunity.

$205,000 structured with a 40% balloon to optimise cashflow while securing a high-performance asset.

The right structure matters just as much as the car—built properly from day one.

Working closely with an SME that was turning over $13 million at the time and is now on target for $20 million, we helped position the business with the right bank and banker who understood its vision and potential.

We established trade finance and an overdraft to support the transition from made-to-order products to an established stockline.

We secured financing to complete the fitout and refurbishment of a restaurant.

The funding covered essential items including furniture, equipment, and trade costs, helping the business finish the project and prepare for operations.

This customer wanted to consolidate debts with repayments totalling well over $7,000 per month.

By restructuring the debt with the selected lender, we saved the customer $2,349 per month while retaining the flexibility to pay the loan off earlier if desired.

In the civil construction sector, businesses often look to upgrade machinery for depreciation purposes, to streamline cashflow, or simply because the opportunity supports growth.

We helped arrange the working capital needed for an upgraded machinery solution suited to the customer's requirements.

Hiring can quietly kill margins. This client was regularly renting equipment—until we showed buying made more sense. We funded a $72,598 mini excavator, reducing costs and increasing profit.

Sometimes owning the asset is the smarter financial move.

A hidden default from identity fraud nearly stopped this deal. After removing it and correcting the credit file, we secured fast approval and kept the deal moving. Sometimes the real hurdle is fixing the credit, not the asset.

This client secured funding for a full equipment setup—attachments, skid steer, trailer, and truck—to unlock bigger jobs.

With the right structure in place, we solved a cashflow constraint and turned it into capacity and growth.

This client secured funding for a full equipment setup—attachments, skid steer, trailer, and truck—to unlock bigger jobs.

With the right structure in place, we solved a cashflow constraint and turned it into capacity and growth.

The customer wanted to purchase an existing business despite not having prior experience in the sector.

We secured 100% of the business purchase price through a mix of secured and unsecured financing. Timing and efficiency were critical because the vendor had a firm timeframe and the customer wanted to capitalise on structural efficiencies to improve revenue and market share.

Growth can create cashflow pressure when costs arrive before scale. With the right strategy, those bumps in the road can be anticipated and managed.

We secured an unsecured business overdraft outside the major banks. Priced within a few percentage points of major-bank options, the facility was ready for the customer to use after three days.

A repeat customer had secured new clients and needed additional coffee machines to fulfil the expanded service requirement.

The loan structure, monthly repayment, and speed to market were critical. The funding needed to support the opportunity without allowing borrowing costs to erode the commercial benefit.