Finance — Business & equipment
Business Loans & Equipment Finance
Funding the business itself uses to operate and grow — equipment and vehicle finance, working capital, overdrafts, lines of credit and invoice finance — scoped against the business cash flow by a Credit Representative who is also a Chartered Accountant. Lender policy applies; any approval depends on the lender.
- Equipment & vehicle finance
- Chattel mortgage
- Working capital
- Overdraft & line of credit
- Invoice & trade finance
- Commercial property (bridge)
Mr Rohan Manokaran (Credit Representative 565110) is authorised under Australian Credit Licence 561324 held by Loans Only Pty Ltd. Information on this page is general in nature and does not take into account your objectives, financial situation or needs. Credit eligibility, lender criteria, fees and charges apply.
What we scope
The funding a business actually uses.
Business finance covers a range of facilities for the operating business — distinct from commercial property lending and from a director's personal home loan. The categories below are the ones we most often scope; each is assessed on its own facts before any lender is approached.
Equipment & vehicle finance
Chattel mortgage · hire purchase · lease
Acquiring vehicles, machinery, fit-out or technology paid over time rather than in one outlay. We scope the structure — chattel mortgage, hire purchase or lease — against the cash flow and the tax and GST treatment, since the structure changes how the asset is treated as well as the repayment.
Working capital & unsecured loans
Business cash flow · trading history
Term and unsecured business loans assessed on the strength of the business cash flow and trading history rather than property security. Pricing and limits are tighter than secured lending because the lender carries more risk; policy varies materially between lenders.
Overdraft & line of credit
Flexible limit · short-term cash flow
Revolving facilities for the natural ups and downs of trading — drawn when needed, repaid as cash comes in. Suited to managing timing gaps rather than funding a structural shortfall. We confirm the facility fits the cash-flow pattern before recommending it.
Invoice & trade finance
Debtor finance · supply chain
Advancing against unpaid customer invoices, or supporting the purchase of stock and goods, for businesses carrying long payment terms. Cash-flow tools that suit some businesses and not others — we assess fit rather than defaulting to them.
Refinance of existing business debt
Review · restructure · consolidate
Reviewing existing business facilities where the margin has drifted, the structure no longer fits, or several facilities could be simplified. The current position is compared against current-market alternatives in writing, including the costs of switching.
Structure & tax coordination
Same practitioner · accounting in view
Because the same practitioner handles the accounting, the finance is scoped with the tax and GST treatment in view, and the application is built off the actual financials. General information on the tax side; the detail is confirmed through the accounting engagement.
Process
From scoping call to a settled facility — a document-driven sequence.
Business finance moves at the pace of lender policy and documentation. The steps below are the rhythm we follow — every milestone confirmed in writing.
Scoping call
The purpose of the funds, the amount, the asset or cash-flow need, the borrower entity, existing facilities and timing. We confirm whether business finance is the right tool — and which type — before going further.
Document collection
Business financials and tax returns, current management accounts or BAS, asset-and-liability statement, details of the asset or the invoices, and identification. We confirm the exact list against the shortlisted lender.
Position review
Servicing position, target lender or financier shortlist, facility structure and indicative costs — documented in writing before any application, including the tax and GST considerations to confirm with the accounting side.
Application
Application submitted to the shortlisted lender or financier. The lender applies its own credit and policy assessment. We track and report progress at each milestone.
Approval & documentation
Conditions resolved, approval obtained, and finance documents prepared. For asset finance, settlement is coordinated with the supplier or dealer.
Settlement & review
The facility settles or the asset is acquired. We diarise any review or expiry date so the facility is revisited before it lapses or the structure stops fitting.
Frequently asked questions
Business & equipment finance — common questions.
These are three distinct things. Commercial lending is about commercial property and larger commercial facilities — buying business premises or a commercial investment, assessed against the property and the business. A business owner home loan is a personal home loan for someone whose income comes through a company or trust. This page covers the funding the business itself uses to operate and grow: equipment and vehicle finance, working capital, overdrafts and invoice finance. If your need is a commercial property purchase, the commercial lending page is the right place; if it is a personal home loan, the business owner home loan page fits; this page is for the business borrowing itself.
How we are paid
How we are paid: Eternity Mortgage Solutions typically receives commissions from the lender for loans arranged on your behalf. A full explanation of how we are paid, our lender panel and any potential conflicts of interest is provided in our Credit Guide and Credit Proposal Disclosure document, available on request before any loan application is submitted.
Related
Where this fits in the bigger picture
Business finance rarely sits in isolation. Commercial property lending, a director's home loan and the advisory side all connect to the operating business.
- Mortgage Broking
Commercial lending
For commercial property — owner-occupied premises or commercial investment — assessed against the property and the business. The right page when the need is property, not operating finance.
- Mortgage Broking
Business owner home loans
A personal home loan for a company or trust director — company financials, director pay and add-backs read the way the lender reads them.
- Business Services
Business advisory & Virtual CFO
The advisory rhythm that keeps management accounts lender-ready — current figures and a credible forecast on hand when a finance question comes up.
- Mortgage Broking
Finance hub
The full range of mortgage and finance services across home, investment, SMSF, commercial and business lending.
- Guide
How One Roof works
Business finance almost always touches the tax and accounting side. Same practitioner scopes both — read how the engagement runs.
- Local
Get in touch
Book a scoping call. We confirm the right facility, the lender shortlist and indicative costs before any application.