Chattel mortgage: You own the asset, claim depreciation + interest deductions, better for long-term ownership. Lease: Lender owns asset, you claim full repayments, better for equipment you'll upgrade regularly. We model both with your accountant's input.

Possible, but harder. Most lenders require 2+ years trading history. For newer businesses, we access lenders specializing in startups or use secured finance (equipment, property) to strengthen applications. Personal guarantees are usually required.

Often, yes—especially for unsecured loans or businesses under 3 years old. Some lenders offer no-guarantee facilities for established businesses with strong financials. We negotiate to minimize personal exposure where possible.

Typically: 2 years business tax returns, recent P&L and balance sheet, business bank statements (3-6 months), proof of ownership (ABN, business registration), and sometimes GST returns or BAS statements.

Yes. We review all your business debts (credit cards, loans, overdrafts), calculate total interest, and consolidate into a single facility if it saves money and simplifies management.

Simple equipment finance: 24-72 hours. Unsecured business loans: 3-7 days. Larger secured facilities: 1-3 weeks. We fast-track urgent applications where possible.

We review the decline reason, address any issues (credit, cash flow, documentation), and resubmit to different lenders with adjusted structures. Sometimes timing is wrong—we advise when to reapply.