Working capital
Commonly reviewed by lenders depending on the applicant, asset, purpose and supporting documents.
Product explanation
What is a business loan?
Plain-English guidance so you can understand the product before deciding whether to proceed.
A business loan provides funding for a defined business purpose and is repaid over an agreed term or facility structure. It can support growth, cash flow, stock, equipment-adjacent needs or operational requirements.
The right loan depends on the business trading profile, loan purpose, available security, repayment capacity and lender criteria.
Broker-led, not one-size-fits-all
- Clear product explanation
- Practical document guidance
- Suitable lender pathways reviewed
- Structure explained before application
Visual finance guidance
Clear guidance with relevant real-world scenarios
These examples show the types of situations, assets and documents that commonly shape the finance discussion.
Working capital and cash-flow needs
Business loans can support stock, supplier payments, seasonal pressure or growth when the purpose is clear.
Growth and expansion funding
Expansion finance should be tied to a practical plan, supporting documents and clear repayment pathway.
Broker-guided lender comparison
We help compare suitable lender options and explain security, documents, repayments and settlement steps.
What can be financed
Common examples we can help review
Final lender fit depends on the asset, applicant profile, loan amount, purpose and supporting documents.
Cash flow support
Commonly reviewed by lenders depending on the applicant, asset, purpose and supporting documents.
Business expansion
Commonly reviewed by lenders depending on the applicant, asset, purpose and supporting documents.
Stock purchases
Commonly reviewed by lenders depending on the applicant, asset, purpose and supporting documents.
Operational funding
Commonly reviewed by lenders depending on the applicant, asset, purpose and supporting documents.
Tax debt support where appropriate
Commonly reviewed by lenders depending on the applicant, asset, purpose and supporting documents.
Supplier payments
Commonly reviewed by lenders depending on the applicant, asset, purpose and supporting documents.
Short-term funding needs
Commonly reviewed by lenders depending on the applicant, asset, purpose and supporting documents.
Who this may suit
Practical scenarios where broker guidance can help
Figure Out Finance works through your situation, explains lender expectations and helps identify suitable next steps.
Established businesses seeking funding
We help clarify the loan purpose, likely lender requirements and next steps before an application is prepared.
Sole traders and contractors
We help clarify the loan purpose, likely lender requirements and next steps before an application is prepared.
Companies and trusts
We help clarify the loan purpose, likely lender requirements and next steps before an application is prepared.
Business owners managing seasonal cash flow
We help clarify the loan purpose, likely lender requirements and next steps before an application is prepared.
Applicants refinancing business debt
We help clarify the loan purpose, likely lender requirements and next steps before an application is prepared.
Customers needing a broker to compare lender pathways
We help clarify the loan purpose, likely lender requirements and next steps before an application is prepared.
Finance options available
Structures that may be considered
Depending on your circumstances, options may include the structures below. Not every option is available to every applicant.
Secured business loans
Depending on your circumstances, this may be considered by one or more lenders. Availability is not guaranteed.
Unsecured business loans
Depending on your circumstances, this may be considered by one or more lenders. Availability is not guaranteed.
Short-term business loan options
Depending on your circumstances, this may be considered by one or more lenders. Availability is not guaranteed.
Asset-backed finance where appropriate
Depending on your circumstances, this may be considered by one or more lenders. Availability is not guaranteed.
Refinance options
Depending on your circumstances, this may be considered by one or more lenders. Availability is not guaranteed.
Structured repayment options
Depending on your circumstances, this may be considered by one or more lenders. Availability is not guaranteed.
What lenders usually consider
How lenders commonly look at an application
The assessment is not designed to be intimidating. It is about confirming the loan purpose, ability to repay and whether the product fits lender criteria.
Business revenue and trading history
This is one of the common factors lenders may review when assessing the application.
Bank statement conduct
This is one of the common factors lenders may review when assessing the application.
Credit profile
This is one of the common factors lenders may review when assessing the application.
Existing liabilities
This is one of the common factors lenders may review when assessing the application.
Loan purpose and amount
This is one of the common factors lenders may review when assessing the application.
Repayment capacity
This is one of the common factors lenders may review when assessing the application.
Security or guarantees where relevant
This is one of the common factors lenders may review when assessing the application.
Documents supporting the application
This is one of the common factors lenders may review when assessing the application.
How Figure Out Finance helps
Guided support from enquiry to settlement
You get clear broker support rather than being left to interpret lender requirements alone.
- Understanding what you are trying to fund
- Comparing suitable lender options from a broad panel
- Explaining the structure clearly before proceeding
- Helping with documents and lender requirements
- Managing lender communication
- Supporting the process through to settlement
Documents commonly requested
Documents depend on the lender, loan type and applicant profile
Documents requested will depend on the lender, loan type and applicant profile. Dean will confirm the exact list after reviewing your scenario.
- Driver licence or ID
- ABN and entity details
- Bank statements
- Financial statements where required
- BAS or tax returns where requested
- ATO/tax debt details where relevant
- Existing loan statements
- Business funding purpose summary
Process
Simple 4-step process
1
Tell us what you need
Share what you are trying to fund, the timing, amount and applicant situation.
2
We review suitable options
We compare suitable lender pathways based on the purpose, profile and documents.
3
We explain the structure
You receive clear guidance on structure, repayments, conditions and next steps.
4
We help with application and settlement
We help manage lender requirements and support the process through to settlement.
FAQ
Common questions
General information only. The right answer depends on your circumstances and lender criteria.
Common uses include working capital, cash flow, growth, stock, operational funding and refinancing, subject to lender criteria.
Depending on your circumstances, unsecured options may be considered, but lender criteria and pricing vary.
Many business lenders request bank statements to understand revenue, conduct and repayment capacity.
Yes. A broker can help identify suitable lender pathways and explain structure, documents and settlement steps.
Ready to review your finance options?
Tell us what you are looking to fund and we’ll help you understand suitable options from our lender panel.
Finance is subject to lender approval, credit criteria, fees, charges, terms and conditions.