- Finance for Business Owners, Built Around the Full Picture
Small Business Owner Finance
- Finance for Self-Employed Directors and Business Owners
One Conversation for Your Personal, Property and Business Finance
Support for sole traders whose personal borrowing depends on business income. We review trading history, financial records, income consistency and existing commitments before comparing lender requirements.
Guidance for directors paid through salary, dividends or other business income. We review company performance, ownership interests, retained profits where relevant and existing business obligations.
Help explaining trust distributions, beneficiaries and related entities. With your permission, we work with your accountant to clarify how income moves through the structure.
A coordinated review of multiple businesses, companies and trusts, including related income and debts, so the same income is not counted twice and lender requirements are clear.
A review of current performance, trading history and relevant industry experience. We explain documentation requirements, possible lender pathways and limitations before you apply.
Support when personal and business goals overlap, such as buying a home while arranging equipment finance, business funding or a commercial property purchase. We consider how each commitment may affect the others.
Common Business Owner Finance Scenarios
Buying a Home With a Lower Director’s Salary
A company director draws a modest salary while the business retains profit, so the payslip alone may not reflect the full financial position.
We review personal income records, company financial statements, ownership interests and existing commitments. Where needed, we work with the accountant to clarify which income may be relevant to a lender assessment and compare lender approaches. Retained profit is not automatically available or accepted as personal income.
Buying Business Premises While Refinancing a Home Loan
A business owner wants to purchase premises while reviewing a home loan and keeping working capital available for the business.
We consider the proposed deposit, purchase costs, personal and business debts, cash flow, security and any guarantees required. With the accountant and solicitor where appropriate, we clarify the proposed ownership arrangements and compare the lending implications across both enquiries. Using a home as security can put it at risk.
- Access to More Than 60 Lenders
Different Lenders Assess Business-Owner Income Differently
- Finance Services for Business Owners
Personal, Property and Business Finance in One Place
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 Help Business Owners Navigate Finance
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 may affect repayment capacity. We help organise that information into a clearer lending enquiry, explain the trade-offs and keep you informed throughout the process. With your permission, we can work 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
Applicants with a shorter trading history can enquire, but options depend on the lender, loan type and supporting evidence. We review your industry experience, current financial performance and available documents before discussing possible pathways. Approval is not guaranteed.
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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