Grace Cartledge provides finance broking support to Business Owners and Self-Employed Clients exploring the purchase of an existing business, including lending where goodwill forms part of the acquisition. Based on the Surf Coast, Grace works with clients across Geelong, Bellarine, Armstrong Creek, Ballarat, Golden Plains, Bendigo, Heathcote and across Victoria.

Purchasing an established business often involves a combination of tangible assets (property) and goodwill. From a lending perspective, goodwill finance is assessed differently to property-backed lending and typically requires close consideration of business performance, sustainability of earnings and the experience of the incoming owner. Lender appetite for goodwill funding can vary significantly depending on industry, structure and risk profile.

For prospective Business Owners, a business acquisition may sit alongside existing personal lending, commercial property ownership or future property plans. The way acquisition finance is structured can influence cash flow, serviceability and future borrowing capacity, particularly where personal guarantees or property security are involved.

As a Finance Broker, Grace supports clients by assisting with the lending component of a business purchase and engaging with lenders where goodwill finance is being considered. Grace works in coordination with accountants, solicitors and other advisers who support due diligence, valuation, tax structuring and legal documentation.