BUSINESS LOANS BUILT AROUND HOW YOU TRADE
A vehicle, equipment purchase or working-capital need puts different demands on a business. Tell us what the funding is for and how your business operates, and we’ll explain what lenders will need.
​
We review the purpose of the funding, your business position and the security available, then check which lenders available through AGFB may consider it. Where suitable options are available, we explain the structure, costs and obligations before you decide whether to apply.
BUSINESS FUNDING WE CAN HELP YOU EXPLORE
Working Capital and Cash Flow
Funding to manage timing gaps between paying suppliers, staff and tax obligations and receiving payment. We look at how the business trades across its normal cycle before considering facility types.
Lines of Credit and Overdrafts
Revolving facilities you draw on and repay as needed. Limits, review terms and fees vary between lenders, and we explain how each option works before you apply.
Secured Business Loans
Term loans secured by property or business assets. The security offered can affect the available options. We explain which assets would secure the loan and the risk of losing them if the facility is not repaid.
Unsecured Business Loans
Loans without assets pledged as security may still require personal guarantees. We check the actual security, guarantee and cost requirements of each option rather than relying on its product label.
Business Acquisition
Funding to buy a business or a share in one. Assessment may consider the business being acquired, its trading records, the transaction structure and the security available.
Invoice and Trade Finance
Invoice finance can provide funding against eligible unpaid customer invoices. Trade finance can help fund eligible purchases from suppliers. These are different facilities; we review the trading cycle, customers, suppliers and records before checking suitable options.
WHAT SHAPES A BUSINESS LENDING ASSESSMENT
Business lending requirements vary between lenders and facilities. These are the details we review when checking potential options.
Trading History
Many lenders look for an established trading period supported by financial records, while some consider newer businesses under specific conditions. The length and consistency of trading can change the options.
Financials and Cash Flow
Tax returns, financial statements, business activity statements and business bank statements help show whether the business can meet repayments through a normal trading cycle.
Purpose of the Funding
Lenders consider what the funds are for and whether the facility type suits that purpose. A short-term cash-flow need and a long-term investment are generally structured differently.
Security and Guarantees
A lender may require security over business assets or property, a personal guarantee, or both. We identify these separately and explain whose assets and obligations are involved.
Existing Debts and Tax Obligations
Current facilities, equipment finance, credit cards and any outstanding tax obligations are considered against the proposed repayments.
Entity and Ownership Structure
Companies, trusts, partnerships and sole traders can require different documents and guarantees. We map the structure before approaching lenders. Our checklist covers what to prepare before applying.
HOW WE APPROACH BUSINESS FUNDING
01
Understand the Business and the Need
We establish how the business trades, what it owes, what security is available and what the funding needs to achieve.
02
Match the Need to Suitable Facilities
We identify facility types and lenders whose policy appears to fit, then compare structure, term, costs and conditions.
03
Prepare, Lodge and Manage
With your agreement, we lodge the selected application, drawing on your accountant's input where relevant. We respond to lender questions and coordinate conditions through to settlement, subject to approval and the lender's requirements.
WE ARRANGE THE LENDING, NOT THE ACCOUNTS
Direct Broker Access
Christian leads your finance review, supported by the AGFB team throughout the application process.
Working With Your Accountant
Where financials, structures or tax obligations need explanation, we work alongside your accountant. Tax and accounting advice remains theirs; the lending side is ours.
Security Explained First
We explain what each option requires as security or guarantee, and what that means if the facility is not repaid, before you decide whether to proceed.
COMMON QUESTIONS ABOUT BUSINESS LOANS
What is the difference between a secured and an unsecured business loan?
A secured business loan gives the lender security over specified assets or a broader group of business assets. An unsecured loan does not have that asset security, but may still require a personal guarantee. A loan offered without property security is not necessarily unsecured: business assets may still secure it. We check the documents and explain the security, guarantees, costs and repayment obligations before you decide.
​
Can a new business get a business loan?
It can be possible, but the options are usually narrower. Without an established trading history, lenders may place more weight on security, contracts in place, industry experience and the personal position behind the business. Some lenders require a minimum trading period. We check whether a suitable pathway appears to exist before any application is lodged.
​
What documents will I need?
Requirements vary by lender and facility. They can include identification, business and personal tax returns, financial statements, business activity statements, business bank statements, details of existing debts and, where security is offered, property or asset details. Some facilities also require interim figures or cash-flow forecasts. We confirm what each option needs before anything is lodged.
​
Do I need to use my home as security?
Not necessarily. Some business facilities are secured by business assets or commercial property, and some are unsecured with a guarantee. Offering residential property can widen the options, but it puts that home at risk if the facility is not repaid. We explain what each pathway requires so you can weigh that risk before deciding.
​
What is a personal guarantee?
A personal guarantee is a legal commitment to meet specified obligations if the borrower does not. Depending on its terms, it may cover debt, interest and other costs, and can expose the guarantor's personal assets. It can be required for secured or unsecured lending. We identify any guarantee requirement; obtain independent legal advice on its scope and consequences before signing.
​
Is a line of credit or a term loan more suitable?
It depends on the purpose. A line of credit or overdraft can suit needs that rise and fall with trading, while a term loan generally suits a defined purchase or investment repaid over a set period. Costs, review terms and conditions differ. We compare the structures that fit the purpose rather than assuming one type suits every business.