- Personal, Property and Business Finance Connected
Small Business Owner Finance
- What You Get With Write Finance
Finance That Considers the Whole Business Owner
Support for owners whose personal borrowing depends on business income. We review trading records, income consistency, deductions and existing commitments.
Guidance for directors paid through salary, dividends or other income. We review company performance, retained profits, ownership interests and business obligations.
Help explaining trust distributions, beneficiaries and related entities. With your permission, we work with your accountant to clarify how income flows through the structure.
A coordinated review of businesses, companies and trusts, including related income and debts, so the same income is not counted twice.
A review of current performance, trading history and relevant industry experience. We explain documentation requirements and lender limitations before you apply.
Support when buying a home, investing or refinancing alongside equipment purchases, business funding or a premises purchase. We consider how each commitment affects the others.
When Personal and Business Finance Meet
Buying a Home With a Low Director’s Salary
A director draws a modest salary while the company retains profit. The salary alone may not explain the owner’s financial position.
We review personal income records, company financial statements, ownership interests and existing commitments. With the accountant, we clarify which income may be available to support borrowing and compare lender assessment approaches. Retained profit is not automatically available or accepted as personal income.
Buying Business Premises Alongside a Home Refinance
A business owner wants to purchase premises while reviewing their home loan and keeping cash available for business expenses.
We consider the proposed deposit, purchase costs, personal and business debts, cash flow and any security or guarantees required. With the accountant and solicitor, we clarify the proposed ownership arrangements and compare the lending implications across both enquiries. Using a home as security can put it at risk.
- Over 60 Lenders
Different Lenders Read Business Income Differently
- Our Capabilities
One Pathway for Your Personal and Business Borrowing
Self-Employed Home Loans
Buying a home when your income comes from a business, company or trust. We help explain income sources and prepare the supporting records lenders need.
Refinancing
Review personal lending alongside business commitments. We compare repayments, fees, features and total costs, including the effect of changing the loan term.
Investment Property Loans
Explore property lending with a review of business income, rental income, existing debts and available deposit. Investment suitability and tax advice remain with your qualified advisers.
Commercial Property Finance
Finance for business premises or commercial investments. We consider the property, ownership arrangements, contribution, repayment capacity and security requirements.
Business Lending
Funding for working capital, acquisitions, expansion or a review of existing business debt. We consider the purpose, financial performance and ongoing cash requirements.
Asset and Equipment Finance
Explore funding for vehicles, machinery and equipment. We compare upfront contributions, repayments, fees and any balloon payment against your business cash flow.
How We Connect Your Finance Plans
Compare Lending Pathways
Prepare and Manage Applications
Testimonials
What Our Clients Say
Why us
A Clearer View of Your Personal and Business Borrowing
Business owners often need to explain more than a payslip. We take time to understand how you earn, which entities are involved and how personal and business commitments affect repayment capacity. We help translate that information into a lending enquiry, explain the trade-offs and keep you informed throughout the process. With your permission, we collaborate with your accountant to clarify financial records and income flows.
Write Finance provides finance broking services. We do not provide financial, tax or legal advice about whether an investment or ownership structure is suitable. Where relevant, we work alongside your licensed financial adviser, accountant and solicitor.
Lending guidance shaped around your income, circumstances and plans.
Meet Your Finance Broking Team
Talk with Write Finance about your business income, property plans and borrowing goals.
How Lenders Assess Business-Owner Income
Sole Traders and Company Directors
For sole traders, lenders may review net business income, financial statements, tax returns and current trading records. For directors, assessment may include personal salary, dividends, ownership interests and company performance.
Trusts and Multiple Entities
Where trusts or multiple entities are involved, lenders may need to understand beneficiaries, distributions, related transactions and debts across the structure. With your permission, we work with your accountant to explain income flows and avoid counting the same income more than once.
Retained Profits and Addbacks
A lender may consider retained company profits or certain expenses when assessing income, depending on its policy and your circumstances. We review whether profit is accessible, whether expenses are recurring and what evidence supports any proposed adjustment. An expense being deductible for tax purposes does not automatically make it an acceptable lender addback.
One-Year Financials and Alt-Doc Pathways
Some lenders may have pathways using one year of financial records or alternative documentation for eligible applicants. Depending on the lender and loan type, evidence may include BAS, business bank statements or an accountant’s declaration. These pathways still require assessment of repayment capacity and may involve different rates, fees, deposits or security requirements.
Personal and Business Commitments
We review home loans, business facilities, leases, guarantees and other commitments that may affect borrowing. A new loan can change your capacity for another purchase. We explain those interactions before you proceed, including any proposed use of your home or other property as security.
Documents We May Review
Personal tax returns and notices of assessment where required, identification, living expenses and details of personal loans and other debts.
Financial statements, business tax returns, BAS and current management accounts, where required.
Relevant business and personal bank statements, current lending facilities, leases and guarantees.
Company or trust documents, ownership interests, beneficiaries and records explaining salary, dividends or distributions.
Property details, purchase contracts, rental information, equipment quotes or acquisition records, depending on the proposed finance.
Where needed, an explanation of income flows, retained profits, non-recurring items or proposed addbacks. Any adjustment needs supporting evidence and lender acceptance.
Small Business Owner Finance FAQs
Income, Documents and Lending Pathways FAQs
Certain expenses may be considered for an adjustment under a lender’s policy, with supporting evidence. We review the nature of the expense, whether it is recurring and its effect on cash flow. Tax deductions are not automatically accepted as lender addbacks.
It can. Lenders may consider business repayments, personal guarantees and other commitments when assessing a home loan. We review the details and discuss how proposed business funding could affect your personal borrowing plans before you apply.
We first review the reason for the decline and the information submitted. We identify whether the issue relates to income assessment, documentation, repayment capacity, credit history, security or lender criteria. We explain what may need addressing before considering another application.
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Let’s Discuss Your Personal and Business Finance Plans
Clear guidance for your next move
