Finance Services for Business Owners
& Self-Employed Professionals
Running a business or working for yourself means your finance needs are different. Income structures vary, documentation requirements are more complex, and standard bank processes don’t always fit.
Lending Solutions Solutions for Business Owners
Often, business owners aren’t struggling to get a loan, they’re unsure if they’re making the right decision. Lending choices affect cash flow, tax structure, risk and long-term plans, and unclear guidance can create unnecessary stress.
Home & Investment Property Finance
Buying a home when you're self-employed or run a business often feels more complicated than it should. Banks need to understand your income, but business financials, tax returns and distributions don’t always reflect your true earning capacity.
I work with business owners to present their income in a way lenders understand, match you with the right lender for your situation, and guide you through documentation requirements. Whether you operate as a sole trader, company, trust or partnership, I understand what lenders need to see and how applications are assessed.
This includes owner-occupied home loans, investment property loans, and alternative documentation options such as low doc and alt doc lending depending on your circumstances.
Commercial Property
Purchasing commercial property, whether for your business premises, expansion, or investment, involves different lending requirements than residential property.
I help you understand how commercial lending works, what deposit and documentation you’ll need, how repayments will impact your business cash flow and how personal guarantees may impact your future personal borrowing capacity. We look at ownership structure and timing so the decision supports both your business operations and long-term plans.
This includes owner-occupied commercial property, investment commercial property, and business premises purchases.
Construction Finance
Building a new home or commercial premises involves staged funding rather than a single loan settlement. Construction loans are drawn down progressively as the build advances, and lenders assess both the land value and the completed value.
I guide you through construction loan requirements, help you understand progress payment structures, and coordinate with your builder and lender to keep the process moving smoothly.
This includes home builds, home and land packages, owner-builder projects, and commercial construction finance.
SMSF Lending
Using a self-managed super fund to purchase property can be an effective long-term investment strategy, but it comes with strict lending and compliance requirements.
I work alongside your accountant and financial adviser to help you understand SMSF lending rules, lender requirements, and how to structure a loan that meets compliance obligations while supporting your investment goals.
This includes both residential and commercial property purchases within an SMSF.
Business Lending, Working Capital & Equipment Finance
Growing your business often requires capital, whether that’s purchasing another business, funding a fit-out, buying equipment, or managing cash flow during expansion.
I work with you to understand what you’re trying to achieve and structure finance that supports sustainable growth while keeping repayments manageable for your business. This may include business loans, equipment finance, debtor finance, working capital funding, or goodwill finance for business acquisitions.
I also coordinate with your accountant to ensure the lending structure aligns with your tax planning and strategy.
Clarity, Guidance, and Confidence through Complex Lending
Often, business owners aren’t struggling to get a loan, they’re unsure if they’re making the right decision. Banks might move you between staff, give unclear answers, or offer structures that don't fit where you're headed. What should support your growth often becomes a source of stress.
My role isn't just to arrange finance. It's to help you understand your options, talk through the risks and benefits, and structure lending that actually supports your business and personal goals over the long term.
I explain your options in plain language so you understand what you’re stepping into before you sign anything. No jargon and no rushed decisions, just clear conversations so you can make an informed choice without needing to become a finance expert.
Straightforward Finance
Always in
Your Corner
I’ll be honest with you, even when the conversation is uncomfortable. If a structure or loan could create problems long term, I’ll say so. The goal isn’t quick approval, it’s making sure the decision actually supports your future.
We’ve Got It
From Here
I handle the moving parts behind the scenes, speaking with lenders, coordinating with your accountant or solicitor, and managing the process so nothing important gets missed. You stay informed without needing to carry the workload.
The Whole
Picture
Every recommendation considers your cash flow, business commitments and personal life together. Finance decisions shouldn’t be made in isolation, so together we look at how everything connects before choosing a direction.
Guidance That Grows With You
My work doesn’t end at settlement. As your business grows, circumstances change or new opportunities arise, you have a consistent person who understands your history and can help you plan the next step with confidence.
Ready to Get Clear on Your Finance Options?
Whether you're purchasing property, expanding your business, or reviewing your existing lending, let's have a conversation about what makes sense for your situation.
Book a consultation with Grace today and we'll talk through your goals, options, and next steps.