Brisbane, QLD
Commercial finance in Brisbane and South East Queensland.
South East Queensland engagements run remotely, with video scoping and secure upload. Same fixed advisory fees, same lender panel.
What we see in the Brisbane market
South East Queensland is the growth market, and growth is the thing that most often breaks a facility. Businesses here come to us wanting to fund an expansion and discover the constraint is working capital rather than the equipment or the site: more trade means more debtors and more stock before it means more cash, and a facility sized on last year's balance sheet runs out halfway through the year it was meant to fund.
The second Brisbane pattern is the business that has grown fast on the back of a construction or infrastructure pipeline. Lenders read concentrated revenue carefully, and a business where three quarters of the work comes from two head contractors is a different credit risk to one with fifty customers, whatever the total says. That is answerable, and it is much better answered in the submission than in a question from credit.
Queensland also runs a deep tourism and hospitality market where trading is seasonal in a way the annual accounts hide. A lender testing serviceability on a twelve-month average can reach a very different conclusion to one that has seen the monthly shape, and which of those happens depends entirely on how the file was built.
How engagements run for Brisbane clients
Remote scoping and delivery, with the working capital cycle modelled alongside the facility rather than after it, because in a growth market that is usually where the answer is.
The full process, what we arrange and how we are paid are on the commercial finance page.
Who sends us work
Other professionals put their clients in front of us.
Which is a harder test than winning a client directly. An adviser referring you is lending you their relationship, and they only do it twice if the first one went well.
Accountants
Because we never touch compliance, and never ask them to sign a serviceability letter.
Finance brokers
For commercial deals they keep, with the file built underneath and the lodgement theirs.
Business brokers
Because a buyer with tested numbers is a buyer who settles.
Buyers agents
They find and negotiate the deal; we test the earnings the price is built on.
Brisbane questions
It does not make it harder, it makes it different. Growth consumes cash before it produces it, so a lender is looking at whether the facility funds the growth or merely finances the hole it leaves. That is a modelling question, and it is a good one to answer before you apply rather than after.
No, and it is common in this market. Concentration on its own does not stop a deal; not being able to explain it does. What is contracted, how long the relationships have run and who else in the business holds them are the questions, and they are answerable in a submission.
By showing it rather than averaging it away. A monthly view with the seasonality visible, and serviceability tested at the assessment rate against the trough rather than the mean, is both more honest and more persuasive than a twelve-month figure that hides the shape.
Buying a business in Brisbane?
Then the question before the finance is whether the earnings are real. We test them first, because a credit team will rebuild them whatever you do, and the figures that come out of that go straight into the submission.
Due diligence in BrisbaneWant a straight read on your deal?
Book a free call with Nick. Bring the numbers you have, and we will tell you the right service level and the fixed fee. No obligation.