Business Finance
Commercial lending.
Finance to buy, grow or restructure a business — taken to the lender most likely to say yes.
Overview
How it works.
Commercial lending is funding for a business — not a single asset. Buying a business, growing one, releasing cash, or restructuring loans that no longer fit. The right lender depends entirely on what the money is for. A business acquisition needs a very different lender to a cash-flow expansion — and the banks that say yes to one often won't even consider the other. Non-bank lenders especially matter when a business is growing faster than a major bank can keep up with. We work out the situation first: what the money's for, what's backing it, what the business can actually afford. Then we take it to the lenders most likely to say yes — from major banks to non-bank specialists. We handle the application, negotiate the terms and manage settlement. And we tell you what's realistic before you commit.
Key Details
- Loan size
- $20,000 – $20M+
- Loan term
- 1 – 15 years
- Security
- Secured or unsecured, deal-dependent
- Rate
- Fixed or variable
- Repayment
- Structured to the cash flow cycle
Use Cases
When this product fits.
01 / 03
Acquiring a business
Funding the purchase of a business or a competitor — where goodwill, the asset base and the earnings all shape how the deal is structured.
02 / 03
Funding expansion
Capital for a growing business — a new site, a bigger team, more stock or a step-change in capacity that current cash flow cannot fund alone.
03 / 03
Restructuring facilities
Consolidating or repricing existing business debt into a structure that fits how the business actually trades today.
Our Process
How we structure these deals.
Apply
Tell us about the deal in one short form. Just the shape of what you need — the documents come later.
We structure the deal
We build the structure around the deal, then take it to the lenders on our panel most likely to fund it.
Lender approval
We manage the lender back-and-forth, negotiate the terms and bring you a clear recommendation.
Settlement
Conditions, documents and settlement — handled and tracked through to funds in the account.
FAQ
Questions, answered.
Almost any business purpose — acquiring a business, funding growth, releasing working capital, buying out a partner, or restructuring existing debt. Because the uses are so varied, the right structure and the right lender vary just as much.
Not always. Some commercial lending is secured against property, some against business assets, and some is unsecured against the strength of the trading business. The available security shapes the rate and the lender — it does not necessarily decide whether the deal is fundable.
Yes. Acquisition finance is a core part of commercial lending. The structure depends on the mix of goodwill, assets and earnings in the target, and on what you are bringing to the deal. We place it with lenders comfortable with that profile.
Your bank can only offer its own product against its own credit policy. We take the deal across more than 130 lenders and structure it for whichever one fits best. For anything outside a plain-vanilla request, that difference usually shows up in the rate, the term or simply getting a yes.
A straightforward, well-documented deal can move in a couple of weeks; more complex structures take longer. The biggest variable is how complete the financial picture is at the start — we tell you exactly what is needed so the file does not stall.
Related Products
You might also need.
Ready?
Let's structure your commercial lending.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.