Business Start Up Finance.
Finance for the first 12 months, the hardest and most important.
Overview
Most banks won't lend to a business under 2 years old. We work with non-bank lenders, asset finance specialists and director-guaranteed lenders who understand start-up risk and price it accordingly, so you don't have to give up equity or empty your savings to launch.
The right structure for a new business depends on the asset profile, your prior experience and whether you're starting from scratch, buying a franchise or acquiring an existing business. We've structured all three.
Start-up rates are higher than established business, but the option to launch is what matters at this stage.
Who this is for
Key benefits
- Low-doc and no-doc options for new ABNs
- Asset and equipment finance from day one
- Director-backed structures using personal strength
- Franchise finance through specialist lenders
- Business acquisition finance with vendor support
- Guidance on what lenders actually need to see
How it works
A guided process.
- 1Discovery
A short call to understand the asset, your situation and the outcome you actually want, not just a rate quote.
- 2Compare
We benchmark across our lender panel for rate, fees, structure and credit appetite, then put the best two or three side by side.
- 3Submit
We package the application properly the first time, so credit teams approve faster and with fewer conditions.
- 4Settle
We coordinate documents, payouts and dealer or vendor settlement and remain available post settlement whenever you need us.
Structuring options
Different structures suit different situations. We'll model the right one for yours.
Lender looks at director's personal strength and asset security. The most common entry point for new ABNs.
Specialist lenders pre-accredit major franchise brands, fast-tracking approval for accredited franchisees.
Funding to buy an existing business, often part-secured by the business's own assets and goodwill.
Used to top up working capital while the business establishes a track record for commercial lending.
Real-world scenarios
Recent deals we've structured. Names removed, numbers real.
Brand new ABN, $65k ute and tools financed via director-guaranteed asset finance on day one of trading.
Accredited franchise, $180k fit-out and equipment package approved within a week using franchisor's pre-accreditation.
$340k acquisition finance structured against the seller's last 3 years financials and partial vendor finance.
What you'll need
Standard documents. We'll tell you exactly which ones up-front.
- Director ID
- ABN registration
- Asset invoice or quote
- Property ownership or rental history
- Industry experience evidence (resume, prior trade)
- Director ID
- Target business 2-3 years financials
- Sale contract or LOI
- Business plan and cash flow forecast
- Personal financial position
Lenders we compare
We're not tied to any single funder. Different lenders win different deals.
Plus many more great lenders on our wide panel
What to watch out for
Where deals go wrong and how we keep yours out of trouble.
Almost all start-up lending requires personal guarantees. The scope (limited vs unlimited) matters, we'll walk you through it.
Many start-ups borrow just enough for equipment and run out of working capital in month 4. We help size facilities for the full ramp-up.
Franchise pre-accreditation makes finance easy, but doesn't make the deal good. We'll talk you through the maths.
Common questions
Ready to Elev8 your finance?
Let's structure something that actually fits your situation. No upfront cost, no pressure.