Who lends for…
Who lends for what: finance by purpose
Start with what the money is for. Each page shows which lender types fund that job, which usually don't, and how to approach the right one.
The purpose of a loan narrows the field fast. Equipment has its own financiers, imported stock has trade finance, and a tax debt or a construction project attracts lenders with specific rules. These pages start with the job and work back to the lender types that fund it well, the ones that usually don't, and what each will want to see.
Equipment and vehicles
Which Australian lenders fund business equipment, utes, trucks and machinery — asset financiers, banks, dealers and others — and how to choose.
Read the field notes →Property-backed loans
Which Australian lenders offer property-backed business loans — banks, non-banks, private and second-mortgage — and how to choose for your equity.
Read the field notes →Unsecured business loans
Which Australian lenders offer unsecured business loans, typical amounts, what they assess instead of property, and the trade-offs involved.
Read the field notes →Construction finance
Which Australian lenders fund commercial construction and development, how staged drawdowns work, what they assess and why they decline.
Read the field notes →Buying a business
Which Australian lenders fund business acquisitions, what they check in the business you're buying, and how to structure and prepare the deal.
Read the field notes →Commercial property
Which Australian lenders fund owner-occupier commercial property, and what they check on the premises, the business and your purchase costs.
Read the field notes →Working capital
Which Australian lenders fund working capital and cash flow gaps, and how to match the lender type to what's actually causing your gap.
Read the field notes →ATO tax debt
Which Australian lenders fund business tax debt, why banks hesitate, the ATO's reporting and payment plan rules, and how to present your case.
Read the field notes →Business term loans
Who offers business term loans in Australia, how terms and repayments differ by lender type, and how to match the loan term to the purpose.
Read the field notes →Refinancing business debt
Which Australian lenders refinance or consolidate business debt, when it makes sense, what switching costs and why refinances get declined.
Read the field notes →Not sure which of these is you?
The Lender Matcher sorts it in six questions — or send an enquiry and a specialist will place you on the map. No credit check to ask.
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