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Business finance · commercial purpose only · Australia-wide
Flexible capital for working capital, equipment, tax and creditor obligations, contract mobilisation, acquisitions, growth and urgent commercial deadlines.
Start with the business requirement—not a loan label. Zip Funding assesses the purpose, timing, security, evidence and exit before matching the transaction to an appropriate private or non-bank structure.
Begin with the commercial requirement
Tell us what the capital must achieve, the amount and deadline, what evidence is available, which property or assets may support it and how the facility will be repaid.
The strongest structure is the one that completes the transaction without creating a weak or undefined exit.
Six business finance pathways
Each pathway opens to a different evidence set, term, risk position and likely lender group.
Stock, payroll, suppliers, import costs, seasonal activity and mobilisation for signed work.
ATO obligations, creditor settlements, arrears and existing facility refinance may be considered where the transaction improves the overall position.
Equipment, vehicles, fit-out, business purchase, shareholder buyout, expansion and one-off commercial events.
Indicative business finance parameters
These are discussion parameters only—not an offer, approval or promise of timing.
*Indicative only. Amount, LVR, term, security, evidence, pricing, fees and settlement timing vary by lender and transaction. Verification, valuation, legal documentation and formal approval are required.
What business finance can support
The use must be genuine, commercial and capable of being supported by an appropriate repayment pathway.
Stock, wages, suppliers, imports and seasonal operating needs.
ATO obligations, creditor settlements and urgent commercial liabilities.
Productive machinery, vehicles, fit-out and technology assets.
New locations, inventory, staff, capacity and expansion projects.
Labour, materials and deposits ahead of milestone revenue.
Business purchase, partner exit, shareholder buyout and integration.
Replace unsuitable debt or consolidate a defined creditor position.
Deposits, settlement gaps, residual stock and commercial opportunities.
Bridge timing between completed work and customer payment.
A defined deadline where delay would damage a viable transaction.
Borrowing is not a cure for an unsustainable trading position. A credible transaction identifies why the capital is required, what changes after settlement and which event or cash flow repays it.
Property security and low-doc pathways
Property-backed assessment may support larger facilities and alternative documentation, but security never replaces a genuine business purpose, full disclosure or a viable exit.
Property may support genuine business-purpose finance subject to ownership, title, value, mortgage position and lender policy.
Location, tenancy, condition, specialised improvements and market depth influence accepted value and LVR.
Approvals, cost-to-complete, sales evidence, holding costs and the buyer market may materially change leverage.
Bank statements, BAS, management accounts, accountant confirmation, contracts and invoices may support selected applications.
Equipment, vehicles, receivables or business assets may support a purpose-specific facility where lender policy allows.
Guarantees, mortgage consent, benefit analysis and independent legal advice may be required.
Indicative structure matrix
The matrix is a starting point. Ranking, security, documentation, cash flow and exit determine final lender fit.
Utilisation calculator
This illustration distinguishes drawn-balance interest from a facility fee that may apply to the approved limit.
Illustration only, not a quote or comparison rate. It excludes establishment, legal, valuation, brokerage, drawdown, review, default and other potential costs. Actual interest calculations and fees vary by lender and documents.
How much can you borrow?
Available capital is generally constrained by the lender's maximum acceptable LVR after existing mortgages, the new advance, capitalised interest, lender fees and transaction costs are included.
Worked transaction patterns
These examples show the reasoning process only and are not offers, quotes or approval indications.
Complete commercial cost
How private lenders assess the transaction
What is the property worth, where is it located and how readily could it be sold?
What is the total secured debt after existing mortgages, interest, costs and the new advance?
Will the expenditure preserve or improve the borrower's commercial position?
Will repayment come from refinance, property sale, business cash flow, asset sale or receivables?
Has the full position been disclosed with reliable information and a workable plan?
Is the deadline realistic after valuation, due diligence, legal work and lender consent?
Security, figures, business purpose and exit strategy reconcile.
The lender can see what the funds do, how exposure is controlled and which event repays the facility.
Prepare the file
Borrower, guarantor, ABN, company or trust details and available identification.
Required net funds, business use, creditor payouts and required settlement date.
Address, estimated value, rates notice, mortgage statements and existing caveats or charges.
Bank statements, BAS, management accounts, contracts, invoices or purchase orders.
Mortgage payouts, business facilities, ATO position, arrears, defaults and explanations.
Refinance pathway, sale evidence, receivables, asset sale or cash-flow support.
Accountant letter, declarations and current operational records may supplement formal accounts.
Valuation, trust deeds, creditor statements, tax portals, legal documents or consents.
The facilities described here are for eligible business or commercial purposes. Personal, domestic, household and ordinary owner-occupied housing finance are outside this page. Approval, leverage, pricing and timing are never guaranteed.
From enquiry to settlement
Fast does not mean incomplete. Early disclosure and a coherent file reduce avoidable delay.
We identify likely structures, key risks and missing information before unnecessary costs are incurred.
Property, debt, trading, credit and repayment evidence are reconciled before a suitable lender is approached.
Formal valuation, due diligence, legal documentation, consents and lender approval determine the actual settlement path.
Why Zip Funding
Security, total exposure, purpose, conduct, timing and exit are considered together.
Understand what is workable, what is missing and where the main credit risks sit.
First mortgage, second mortgage, caveat, bridging, equity release and line facilities.
Selected lenders may consider bank statements, BAS, management accounts and contracts.
Tax debt, arrears, credit impairment and non-standard entities may be considered case by case.
Private and non-bank lender options across metropolitan and selected regional markets.
Speak directly with a private-credit specialist
Aaron works directly with business owners, property investors, developers and advisers. Each scenario is assessed around security value, existing debt, total LVR, net funds, commercial purpose, repayment strategy and transaction timing. If the leverage or exit is not credible, you receive that feedback before unnecessary valuation and legal costs.
Business finance FAQs
Eligible uses may include working capital, stock, wages, suppliers, equipment, tax obligations, contracts, acquisitions, expansion and commercial refinancing.
Not every facility is property-backed, but property may support larger amounts, longer terms or alternative evidence pathways. Equipment, receivables or combined support may also be considered.
Potentially. A second mortgage or caveat may allow an acceptable first mortgage to remain, subject to consent, equity, priority and total LVR.
Up to 80% LVR may be considered in selected cases. Many security types, locations and transactions have lower maximums.
Not in every case. Selected low-doc pathways may use bank statements, BAS, management accounts, accountant confirmation, contracts, invoices or other evidence.
Potentially, where the security, disclosure and transaction provide a credible pathway to stabilise or improve the business.
Tell us whether the business is pre-trading or already operating, how much funding is needed and exactly what it will pay for. Include available property or other security, existing secured debt, your contribution, the required timeframe and the proposed repayment source. Clearly separate forecasts from actual trading results and disclose any existing arrears or defaults. These details support an initial assessment; they do not guarantee finance or approval.
Potentially. The lender assesses the cause, current position, full disclosure and whether the proposed loan improves the overall outcome.
Timing depends on a complete application, valuation, title, existing lenders, due diligence and legal documents. No settlement timeframe is guaranteed.
Some lenders may allow prepaid or capitalised interest. This reduces net funds and increases total secured exposure.
Potentially. The owner may need to provide a guarantee and mortgage, demonstrate commercial benefit and obtain independent legal advice.
No. The facilities described here are intended for genuine business or commercial purposes.
Examples include refinance, property sale, business or asset sale, a major receivable, contract milestone or repayment from demonstrated business cash flow.
No. Approval depends on the lender's assessment of purpose, security, leverage, cash flow, borrower circumstances and exit strategy.
Initial business finance assessment
Send the required amount, purpose, deadline, available evidence, security position and proposed exit for a practical initial view.
Business finance built around the transaction
Send the amount, business requirement, available evidence, security position, required date and proposed repayment strategy.