Complicated, not risky
Complex structures and unusual security
Trusts, groups of companies, related-party property, vacant land and second mortgages. The files a bank's checklist can't hold.
Complex structures
Complex structure business loan? How specialist lenders decide who borrows, who gives security and who guarantees when trusts and companies are involved.
Read more →Trust business loans
Business loans for trusts in Australia: how a trustee borrows, what lenders check in the trust deed, and why corporate trustee directors usually guarantee.
Read more →Groups of companies
Running several companies? How lenders fund a group structure: which entity borrows, cross-guarantees, intercompany loans, and why banks decline group files.
Read more →Related-party security
Can a spouse, parent, family trust or sister company's property secure your business loan? How third-party security works and what lenders check.
Read more →Unusual security
Bank won't accept your vacant land, rural block or specialised building as security? How specialist lenders value unusual property for a business loan.
Read more →Second mortgage behind a bank
Bank won't increase your loan? A second mortgage business loan can sit behind it, using spare equity without refinancing a home loan you're happy with.
Read more →Caveat loans
When does a caveat loan make sense for a difficult business file? How it works, why lenders use it for short-term needs, and the exit questions to ask first.
Read more →Not sure which applies to you? The free decoder turns the bank's reasons into fixes and a likely next step.
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