Shelf 4 · Growth & restructuring

Loans to buy, start, grow or restructure

Buying a business or franchise, fitting out premises, buying out a partner, winning a contract, consolidating debt and industry-specific lending.

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Business acquisition loans for buying an existing Australian business: funding goodwill, stock and equipment, what lenders check in the target.

Franchise finance for new and existing franchisees: funding fees, fit-out and working capital, what lenders check in the franchise system.

Fit-out finance for shops, cafés, offices, clinics and commercial kitchens: what can be funded, why lenders treat fit-outs differently.

Partner and shareholder buyout loans: funding the purchase of a departing owner's share, valuing the stake, structuring the deal.

Business expansion loans for a second site, new staff, new markets or bigger premises: how to cost the expansion, mix the right loans.

Contract and tender funding for businesses that win work bigger than their cash: mobilisation costs, progress claims, retentions.

Business debt consolidation: rolling short-term loans, tax debts, cards and supplier arrears into one facility, when it helps, when it doesn't.

When to refinance a business loan, what to compare, break costs and fees, moving between bank and non-bank lenders.

Rural and farm business loans for land, livestock, machinery and seasonal working capital: how agricultural lenders assess farms.

Professional practice loans for doctors, dentists, vets, lawyers and accountants: buying into a practice, fit-out, equipment.

Business loans for tradies, builders and contractors: funding tools, utes, materials and the wait for progress claims.

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