When is financing or refinancing an option for me?
Financing or refinancing may be suitable when a director wants the business to continue trading and the business has the ability to meet its repayment obligations. In some situations, short-term pressure can be relieved by accessing new funding or restructuring existing debt.
However, in the current lending environment, refinancing is generally only available to businesses that are stable, have reliable cashflow, can demonstrate repayment capacity and have appropriate security. If refinancing is not realistic, we will help you explore safer alternatives before further risk builds.
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What business financing options are available?
We work closely with lenders, brokers and private finance specialists to help business owners find the most suitable option for their circumstances. Common financing options include:
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Mortgage lending
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Motor vehicle finance
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Equipment finance
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Overdrafts
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Business loans
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Supply-chain finance (trade finance, invoice factoring)
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Fintech lending
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Specialised lending for distressed situations
Each option has its own requirements, risks and approval criteria. We help you understand where you sit and what may be achievable.
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What do lenders look for?
Understanding what lenders assess helps set realistic expectations and prevents unnecessary applications that may harm your credit file. While every lender is different, most will review:
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Repayment capacity through current cashflow
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Up-to-date financials, BAS and tax lodgements
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The purpose of the funds
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Available security, such as property, equipment or receivables
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Director credit history and current liabilities
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Stability of the business, including trading history and customer spread
If any of these areas are weak, we help you address them or consider alternative strategies.
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What to consider before applying for finance or refinance
Finance can help a business move forward — but only when it’s the right solution. Before taking on new debt, it’s important to assess whether borrowing will improve the position or create avoidable personal exposure.
You should consider:
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Whether the business can realistically support new repayments
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How cashflow compares to upcoming liabilities
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The level of personal risk created through guarantees or security
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Whether borrowing will resolve the issue or simply delay it
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Whether safer alternatives such as restructuring, negotiation or a controlled exit may achieve a better outcome
We review your financial position, determine whether finance is appropriate and ensure it forms part of a safe, sustainable strategy. If funding is viable, we can connect you with lenders who understand distressed environments. If finance is not the right option, we outline clear alternatives that protect you and provide a path forward.
Our focus is simple: protecting you, your business and your personal assets while giving you a clear path ahead.
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