What we’ll consider
- The purpose and amount of funding required
- Business income, expenses, debts and cash flow
- Whether finance should be secured or unsecured
- Loan term, fees, repayment structure and security
Finance Made SimplerRequest a ConsultationBusiness Finance · Funding for practical business goals
Finance for what your business needs next.
New equipment, a vehicle, breathing room in cash flow or the next stage of growth: let’s start with the purpose and build the finance conversation around your business.
Talk to Paul Thomas
What opportunity or pressure is driving the funding need?
Business borrowing should fit the job it needs to do. Funding a long-lived asset is a different conversation from covering a short-term cash-flow gap. We start with the amount, timing and how repayments will be supported.
I’ll help you explore suitable products and understand their fees, terms, security requirements and any personal guarantees. The aim is to make the commitments clear before you decide.
Short trading history, incomplete financials or an ATO balance? Raise it early so we can discuss your circumstances and the evidence required. These situations do not guarantee an available lending option. Your accountant should advise on tax implications and any ATO arrangements.
This may help if you are looking to:
- Purchasing vehicles, tools or equipment
- Managing a short-term cash flow need
- Funding expansion or a new opportunity
- Buying or refinancing commercial property
- Reviewing existing business lending
What to prepare
- Business and personal identification details
- Recent financial statements and tax returns
- Bank statements and current debt schedules
- Cash-flow forecasts, quotes or purchase contracts
What happens next
We discuss your goals, review the information available, compare suitable options and explain the next steps before you decide whether to proceed.
A few questions you might be asking
What if my financials are not up to date?
Tell Paul Thomas what is available, including bank statements, BAS and accountant information. Some products may accept alternative evidence, depending on the lender. Low doc does not mean no assessment.
Can a newer business enquire?
Yes. Trading history and evidence of income affect available options. We can discuss the position without promising approval or a particular product.
Will I need to provide security?
That depends on the product and lender. Unsecured lending can still involve a personal guarantee. Understand the obligations and obtain independent advice where appropriate.
Ready to explore your options?