Commercial Lending
Tell us how your business works and what the funding is for. We will prepare the proposal and approach lenders whose criteria may fit.
First, we understand the business
Commercial applications are assessed on more than a single income figure. Lenders may consider how your business earns revenue, manages cash flow, uses its assets, and plans for the future.
We organise the information, work through the questions a lender is likely to ask, and explain the trade-offs before you apply.
What lenders usually look at
Funding purpose and timeframe
What the finance is for, how much you need, and when the funding needs to be available.
Business performance
Revenue, cash flow, profitability, and the consistency behind the numbers.
Security and contribution
Available property or business assets, equity, deposits, and guarantees where relevant.
Structure and commitments
Ownership, entities, existing debts, and how the proposed lending fits around them.
How we prepare the application
Before we approach a lender, we make sure the application explains what the funding is for, how the business will support it, and why the proposed structure makes sense.
-
Understand your business
We start with how the business works, what the finance is for, how much is needed, and the timing.
-
Prepare a detailed proposal
We organise the relevant information and present the business, funding purpose, structure, and repayment position clearly.
-
Identify suitable lenders
We compare lender appetite and criteria to identify options that may fit the business and proposed lending needs.
-
Explore practical solutions
If a standard structure is not suitable, we explore practical alternatives and explain the trade-offs clearly.
All lending is subject to lender assessment, credit criteria, and approval. We do not guarantee approval, rates, terms, or any particular outcome. This information is general in nature and does not constitute financial, legal, or accounting advice.
Talk to us about your commercial lending
Tell us what you are funding, how much you need, and when you need it. We will let you know whether we can help and which documents to have ready.