Business finance, beyond a single bank's appetite.
Danny arranges working capital, commercial property, and cashflow lending for Bulimba and Brisbane business owners — across an aggregator panel that covers majors, second-tier banks, and specialist non-bank lenders.
- $340Msettled
- 13+ yearsbroking
- 80+lender panel
Business lending policy varies more sharply between lenders than home lending. The same business file may be a clear approval at one bank and a polite decline at another — for reasons that have nothing to do with the underlying business strength. Danny reads policy across the panel and matches the file to lenders whose appetite fits.
Working capital and overdraft facilities
Lines of credit, business overdrafts, and short-term working capital facilities — typically secured against business or directors' assets, sometimes unsecured for established trading businesses with strong cashflow. The right structure depends on whether the funding need is predictable seasonality, project-driven, or tied to specific receivables.
Invoice and debtor finance — drawing against unpaid invoices — is a separate product class with its own lender pool. Danny maps the options against the actual business cycle.
Commercial property finance
Owner-occupier commercial property — buying the premises the business operates from, sometimes through a separate ownership entity that leases back to the operating business. Investor commercial property — retail, industrial, office. Lender appetite varies by asset class, location, and tenant profile.
LVRs are typically lower than residential (60–70% common), interest rates are higher, and loan terms shorter. Refinancing of existing commercial debt is also a regular conversation, especially when fixed terms roll off.
Cashflow and unsecured business lending
A growing pool of specialist non-bank lenders fund unsecured business loans against cashflow alone — typically 6 to 24 months of trading history, recent BAS statements, and bank-statement-driven assessment. Rates are higher than asset-backed lending; turnaround is faster.
Cashflow lending suits businesses funding growth between major banking rounds, bridging the gap to a larger asset-backed facility, or covering a specific seasonal swing. Not the right answer for every situation — the cost structure rewards short-duration use.
Documentation and lender file
Business loan files typically require two years of tax returns and financial statements, recent BAS, and a current debtor and creditor aging. For larger or growth-stage facilities, a forward-looking cashflow forecast and business plan also feature. Self-employed and ABN-only files have their own assessment patterns; lender selection matters more than rate for borderline files.
My refinance and new purchase was under a range of complications and time constraints. Danny from Modern Home Loans was able to work through the maze methodically and provide a solution. Danny made the whole process work to reduce stress and impact on me whilst I was under the pump in my own business. Leave it to the professionals he said, and I could not imagine having a better customer service experience and would be happy to recommend MHL in the future.
Frequently asked questions
Direct answers to questions Danny hears most often from Bulimba and Brisbane business owners. General information only — nothing here is personal credit, tax, or financial advice.
What's the difference between a finance broker and a business banker?
A business banker offers their own bank's products and assesses against that one bank's policy. A finance broker holds accreditation across multiple lenders — banks, second-tier, and specialist non-bank — and matches the business file to the lender whose appetite fits. Business lending policy varies sharply between lenders, so the panel matters more than for standard home lending.
What documentation is typically needed for a business loan?
Most lenders ask for two years of tax returns and financial statements, the most recent BAS, current debtor and creditor aging, and identification for directors. Larger facilities often add a cashflow forecast and a brief business plan. ABN-only and short-trading-history files have their own assessment patterns, and lender selection matters more than rate.
Can a business borrow without offering property as security?
Yes. Asset-backed business lending against equipment, receivables, or vehicles is one path. Unsecured cashflow lending — typically 6 to 24 months of trading history, recent BAS, and bank-statement-driven assessment — is another. Rates on unsecured cashflow lending are higher than on asset-backed lending; the trade-off is speed and not encumbering personal property.
How does commercial property lending differ from residential?
LVRs are typically lower (60–70% common), interest rates are higher, and loan terms shorter — often 5–15 years rather than 25–30. Lenders also assess the asset class, location, and tenant profile. For owner-occupier commercial purchases, the lender weighs both the property and the operating business. Danny can frame what the panel will and won't fund for a given asset.
What is invoice finance, and when does it suit?
Invoice finance (also called debtor finance or factoring) advances cash against unpaid customer invoices, typically 70–85% of invoice face value, with the balance released when the customer pays. It suits businesses with predictable B2B receivables, steady invoicing volume, and a working-capital gap between issuing the invoice and collecting payment. Cost is usually higher than a standard overdraft.
How long does business loan approval take?
Cashflow and unsecured small-business loans can settle in 2–5 business days at specialist lenders. Standard asset-backed term loans typically take 2–4 weeks at major banks once the full file is submitted. Commercial property finance often takes 4–8 weeks because of valuation, environmental, and lease-review requirements. Lender choice affects timeline as much as rate.
Can a business loan be refinanced?
Yes — refinancing existing business debt is a regular conversation, especially when fixed terms roll off, when growth has changed the borrowing case, or when the existing facility no longer matches operations. The same exit-cost-vs-savings arithmetic applies as on home loans. Danny runs the comparison against the panel before any refinance application is submitted.
Prefer to talk it through?
Or book a coffee with Danny instead.
Thirty minutes on Oxford Street, Bulimba — or by video. No pressure, no spreadsheet homework before you arrive.