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Business acquisition loans — buying an established business in Canberra or ACT
Canberra's business economy has unique finance requirements.
With the federal government as Canberra's dominant employer and a high concentration of professional services, technology, and defence businesses, ACT's business lending market has characteristics most interstate lenders don't fully understand.
Government contract income, high average business revenues, and a strong professional services base create genuine lending opportunities — but require a broker who knows which lenders appreciate these dynamics. We're based in Canberra and work exclusively in commercial and business finance.
Business Finance Solutions
Business Finance We Arrange
From working capital to acquisition lending — we cover the full range of business finance for Canberra SMEs and professional practices.
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Working capital facilities — overdrafts, revolving credit, and trade lines
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Equipment and asset finance — fit-out, vehicles, plant, and machinery
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Debtor finance and invoice discounting
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Partner buyouts and shareholder transitions
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Government contractor finance — managing the gap between contract award and first payment
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Practice acquisition lending for professional services firms
Credit Assessment
How Lenders Assess Business Finance Applications
Business lending is more subjective than residential — and how your application is presented makes a material difference to the outcome.
01 Business Cash Flow
Lenders look at two to three years of profit and loss — but how they calculate serviceability differs significantly. We know which lenders add back depreciation, director remuneration, and non-recurring costs.
02 Business Structure
Trusts, companies, and partnerships are treated differently by different lenders. Tax returns, financials, and BAS statements need to be presented correctly for each structure type.
03 Security Position
Some lenders require real property security. Others will lend on the strength of cash flow alone — particularly for professional services businesses. We match the right lender to your security position.
04 Industry and Sector
Canberra's economy is heavily weighted toward government, professional services, and defence. Some lenders take a conservative view of government-dependent businesses — others understand the stability those contracts provide.
Our Process
How We Work
Business finance isn't transactional — it requires understanding your business and building a submission that gets to yes.
01 Understand Your Business
We start with how your business operates, what it earns, and what you're trying to achieve. Business finance is rarely one-size-fits-all — we take in the full picture before making any recommendation.
02 Identify the Right Facility
Different objectives need different solutions. Working capital looks nothing like acquisition finance; equipment looks nothing like a partner buyout. We pin down the right facility type before approaching any lender.
03 Prepare a Strong Submission
Business credit decisions are heavily influenced by presentation. We build submissions that answer the lender's serviceability questions, present your financials clearly, and anticipate credit concerns before they arise.
04 Access the Right Lenders
Our panel spans major banks, challenger banks, non-bank business lenders, and specialist SME credit. We know which are active for Canberra businesses and which will approve your specific deal.
05 Manage to Approval
Business credit often involves back-and-forth — extra information, conditions, structure changes. We manage the process to keep your deal moving and protect your interests.
01 Acquisition Deposit
Typical buyer contribution for a business acquisition loan — the balance funded by the facility
02 Serviceability
Lenders assess two to three years of profit and loss — add-backs vary by lender
03 Security
Unsecured cash-flow lending or real-property-backed facilities, matched to your position
04 Lender Panel
Major banks, challenger banks, non-bank business lenders, and specialist SME credit
05 Facility Types
Acquisition, working capital, equipment, debtor finance, and partner buyouts
06 Pricing
Our advice prioritises your outcome — lender selection is never driven by commission.