Business Lending Brisbane

Whether you’re buying equipment, managing working capital, acquiring a business or purchasing your premises, Write Finance helps you understand your lending options and build a plan around your next move. We review your business income, cash flow and commitments, then compare finance options suited to your circumstances.

Business Lending for Your Next Move

We help Brisbane business owners explore finance for day-to-day operations, new assets and larger growth plans. We start with what you want to achieve, then review your business performance, cash flow and existing commitments.

Established Small Businesses

Finance for operating needs, business improvements and planned expansion, assessed against your current trading performance.

Company Directors

Lending guidance that considers company financials, existing debts, ownership structures and any personal guarantees required.

Business finance options assessed around your income, trading history and supporting documents.

Growing Businesses

Funding for additional capacity, new locations or larger contracts, with repayments considered alongside projected cash flow.

Business Buyers

Acquisition finance assessed around the purchase, the target business’s financial records and your contribution and experience.

Equipment and Property Buyers

Finance for vehicles, machinery, equipment or business premises, with upfront costs and ongoing repayments considered together.

What Business Finance Can Help You Plan For

These examples explain how we approach common business funding needs. They are illustrative scenarios, not client results or promises of approval.

Buying Equipment While Keeping Cash Available

A business needs new equipment but wants to keep cash available for wages, stock and operating expenses.

We review the equipment quote, business financials, existing debts and cash flow forecasts. We then compare funding options, including the upfront contribution, repayment term, fees and any balloon payment, to assess whether financing the purchase suits the business.

Purchasing Premises While Preserving Working Capital

A business owner wants to purchase premises while retaining enough working capital to continue operating.

We review the property price, available deposit, purchase costs, business performance and existing commitments. With the owner’s accountant and legal adviser, we clarify the proposed ownership structure and compare lending options against the business’s repayment capacity and cash needs.

Available options depend on your circumstances, lender criteria and assessment. Tax and legal advice should come from your qualified advisers.

Compare Business Finance Lenders and Options

Business lenders differ in the industries they support, the documents they require and how they assess cash flow, security and repayment capacity. We compare options relevant to your funding purpose and explain the rates, fees, terms and conditions, so you understand how each option could fit your business.

Business Finance Options Built Around Your Plans

Business Loans

Funding for business improvements, expansion or planned purchases. We compare loan terms, costs, security requirements and repayments against your business needs.

Working Capital

Finance to help manage timing gaps between business expenses and incoming payments. We review your cash flow cycle and how the funding will be repaid.

Business Acquisition Finance

Finance for purchasing an existing business. Assessment considers the purchase structure, business financials, your contribution and relevant experience.

Asset and Equipment Finance

Funding for vehicles, machinery and equipment. We compare upfront contributions, repayment terms and any final balloon payment against your cash flow.

Commercial Property Finance

Finance for purchasing business premises or a commercial investment. We review the property, ownership structure, available deposit and repayment capacity.

Business Debt Restructuring

Review existing business lending to assess whether a different arrangement suits your circumstances. We consider fees, total borrowing costs, security and the effect of extending repayment terms.

How Our Business Lending Process Works

01.

Understanding Your Business and Goals

We start with what you need funding for, how much you need and your timeframe. We discuss how your business earns, its ownership structure and existing commitments, so the lending enquiry reflects your plans and circumstances.
02.

Reviewing Your Financial Position

We review relevant business financials, tax returns, BAS, bank statements and existing debts. Depending on the purpose, we may also need equipment quotes, acquisition documents or property details. We identify information gaps and, with your permission, work with your accountant to clarify the figures.
03.
Comparing Finance Options
We compare suitable lender options, considering rates, fees, repayment terms, security, guarantees and any balloon payment. We explain the trade-offs and how repayments could affect your cash flow, so you can make an informed decision.
04.
Application and Ongoing Support
Once you choose an option, we help prepare and submit the application, manage lender questions and keep you informed. Approval and funding remain subject to lender requirements. After funding, our support continues with proactive check-ins, regular updates and an annual lending review as your business needs change.
Testimonials

What Our Clients Say

Read client feedback about their experience working with Write Finance, from understanding lending options to communication and support throughout the application process.
Why us

Why Brisbane Business Owners Choose Write Finance for Business Lending

Business funding starts with understanding what you want to achieve and how your business operates. We review your income, cash flow, ownership structure and existing commitments before comparing lending options.

We explain the costs, repayment terms, security requirements and trade-offs so you can make an informed decision. With your permission, we work with your accountant to clarify financial records and keep your lending enquiry consistent with your business circumstances.

From preparing documents to managing lender questions, we provide clear communication throughout the application process and remain available as your business needs change.

Finance around your goals

Lending guidance shaped around your income, circumstances and plans.

Compare lending options
Explore loan options based on lender policies, costs and features.
Support through the process
Help with documentation, applications and lender communication through to settlement.
Meet Your Finance Broking Team

We’re small, personal, and committed to your success.

How Business Lending Is Assessed

Business lending is assessed against the purpose of the funding, your trading history, financial performance and ability to meet repayments. Lenders may also review existing debts, credit history, ownership structures and any assets offered as security.

Requirements vary by finance type. Equipment finance may involve an asset quote, acquisition finance may require the target business’s financial records, and commercial property finance involves assessment of the property as well as the borrower.

We help identify the relevant documents, explain lender requirements and compare options suited to your circumstances. With your permission, we work with your accountant to clarify business figures. All applications remain subject to lender assessment and approval.

Documents You May Need for Business Finance

The documents required depend on your business structure, funding purpose and the lender’s assessment. We’ll explain what applies to your enquiry.
Business Financial Records

Recent financial statements, profit-and-loss reports, tax returns and BAS, where required.

Bank Statements and Existing Debts

Business bank statements and details of current loans, overdrafts and other financial commitments.

Business and Ownership Details

ABN, company or trust documents, ownership details and identification for relevant applicants or guarantors.

Equipment or Asset Quotes

Supplier quotes and details of the equipment, vehicle or machinery you intend to purchase.

Business Acquisition Documents

Available financial records for the target business and details of the proposed purchase.

Commercial Property Details

Contract or property details, lease information where applicable, and your proposed deposit and ownership structure.

Business Lending FAQs

Business finance can support equipment purchases, working capital, business acquisitions, expansion or purchasing business premises. The available options depend on the funding purpose, your business circumstances and lender requirements.

 

Sole traders, company directors and other business owners can enquire about business finance. Lenders assess the applicant’s business structure, trading history, financial performance, existing commitments and ability to repay.
Borrowing capacity depends on your cash flow, financial performance, existing debts, funding purpose and any security required. We review your supporting information and explain the factors that may affect the amount and terms available. A borrowing estimate does not guarantee approval.
Some business finance options require property or other assets as security, while others may be available without property security. Personal guarantees may still be required. We explain the proposed security and guarantee requirements before you decide whether to proceed.
With your permission, we can work with your accountant to clarify financial statements, business income, existing commitments and ownership structures. This helps us prepare accurate information for the lending enquiry. Tax and legal advice should come from your qualified advisers.

Business Finance Applications and Refinancing FAQs

Documents may include business financial statements, tax returns, BAS, bank statements and details of existing debts. Depending on the funding purpose, lenders may also require equipment quotes, acquisition documents or commercial property details. We explain what is relevant to your enquiry.

 

You can enquire, but available options depend on the lender and finance type. Assessment may consider your trading history, industry experience, current performance and supporting records. We review these details before discussing potential lending pathways. Approval is not guaranteed.
We can review your existing business lending and compare alternatives. We consider interest rates, fees, remaining terms, security requirements and total borrowing costs. Extending a repayment term may reduce individual repayments while increasing the total cost.
We start by reviewing the reason for the decline and the information provided. This helps identify whether the issue relates to repayment capacity, credit history, documentation, security or lender criteria. We explain what may need addressing before considering another application.
Timing depends on the finance type, application complexity, supporting documents and lender assessment. We discuss your timeframe at the start, explain the information needed and keep you updated as the application progresses. Approval and funding dates cannot be guaranteed.
Get started

Let’s Discuss Your Business Finance Plans

Clear guidance for your next business move

Tell us what you need funding for and when you need it. We’ll get in touch to discuss your business, the information required and potential finance options suited to your circumstances.