Grow and expand
- Expand operations
- Finance a business acquisition
- Fund renovations or fit-outs
FINANCE TO GROW YOUR BUSINESS
Business loans across Australia.
Your business is moving forward.
Your finance should, too.
Whether you’re expanding, buying equipment, improving cash flow or purchasing commercial premises, we compare business lenders and help you find finance that fits. You deal directly with Richard, from Ausfirst Lending Group, from first chat to settlement.
Excellent · 35 Google reviews
Finance that fits your business.Let’s find the right structure.
DIRECTwith Richard,
start to end.
start to end.
40+Lenders on our panel
30+ yearsRichard’s lending experience
1 brokerManages your loan to settlement
Local careQueensland & Australia-wide
BUSINESS FINANCE TAILORED TO YOU
No two businesses
borrow the same way.
We start with your financial position, plans and borrowing needs, then compare lenders that suit how your business earns and operates.
Equip and invest
- Buy equipment or vehicles
- Purchase commercial property
Steady your cash flow
- Improve day-to-day cash flow
- Refinance existing business debt
- Consolidate business liabilities
Sole trader, partnership, company or trust? We work with all structures and know which lenders suit each.
Start with a free chatWHY USE A BROKER
Why use a business
finance broker?
Each lender assesses businesses differently. Comparing lenders and presenting your business clearly can make a real difference to the options available.
More lenders to compare
We compare options from major banks and specialist business lenders, not just one bank’s products.
Policies that fit how you earn
Some lenders accept business bank statements or alternative documents for self-employed borrowers who meet their criteria.
One person, start to finish
You deal directly with Richard. No handovers between staff, and one point of contact through to settlement.
Less time on paperwork
We prepare the application and manage it with the lender, so you can stay focused on running your business.
A QUICK COMPARISON
A bank, or a broker?
| What you compare | One bank | Ausfirst |
|---|---|---|
| Loan choice | That bank’s products | Banks and specialist lenders |
| Lending criteria | One lender’s policies | Multiple lender policies |
| Your contact | Can change over time | Richard, start to finish |
| Application | You prepare it | We help prepare it |
Our panel does not include every lender or every product in the market. Approval depends on the lender’s assessment.
Compare my business optionsKNOW YOUR NUMBERS
Plan repayments
around cash flow.
The right loan term and structure keeps repayments comfortable through quieter months. We look at your cash flow cycle before recommending a loan.
Rates, fees and terms vary widely between business lenders, so comparing the total cost matters as much as the repayment.
- Loan term matched to the asset’s life
- Secured or unsecured options
- Establishment and ongoing fees
- Early repayment terms
YOUR REPAYMENTS, AT A GLANCE
What could repayments look like?
$10k$1m
Illustrative monthly repayment$3,150
Total interest over the term$39,017
Illustration only, not a quote. Assumes principal and interest repayments and a rate that stays the same. Excludes fees, balloon payments and GST.
Check my actual optionsBEFORE YOU APPLY
Secured or
unsecured?
Whether a loan is secured affects the rate, the amount you can borrow and what’s at risk. We explain the trade-offs before you choose.
HOW LENDERS ASSESS YOU
Show lenders the full picture.
Lenders look at your business income, profitability, existing debts, available security and time trading. Each applies different policies, so the same business can get very different answers.
We present your financials clearly and match you with lenders whose criteria suit your business.
Backed by an asset
Secured against property, equipment or vehicles. Usually lower rates and higher limits.
If repayments aren’t met, the lender can take the security.
No asset required
Faster to arrange and no property at risk, but rates are usually higher and limits lower.
Lenders often ask for a personal guarantee from directors.
Rates, fees and lending criteria vary between lenders and can change. Speak with your accountant about tax and GST on business finance.
Let’s compare your options. We’ll look at your business and show which structures could work.
Check my next stepsHOW MUCH CAN YOU BORROW?
What lenders look at
for business loans.
Borrowing limits depend on your business and the lender’s criteria. These are the main factors.
Revenue and profit
Business income and profitability show your capacity to repay.
Existing debts
Current business and personal loans, leases and credit limits are counted.
Available security
Property, equipment or vehicles can support a larger loan at a lower rate.
Financial records
Financial statements and tax returns, or business bank statements with some lenders.
THE RIGHT STRUCTURE MATTERS
Business loan types
we can help with.
The right product depends on what you’re funding and how your cash flows. We compare options across our lender panel.
Business term loans
A lump sum for expansion, fit-outs or acquisitions, repaid over a set term.
Equipment and vehicle finance
Funding for machinery, tools or vehicles, often secured against the asset itself.
Lines of credit and overdrafts
Draw funds as needed to manage seasonal or day-to-day cash flow.
Commercial property loans
Buy your own premises or an investment property for the business.
Refinancing business debt or consolidating several facilities into one? We’ll compare the costs and benefits.
Talk about my businessFROM FIRST CHAT TO SETTLEMENT
Six steps.
One broker beside you.
Richard manages your loan personally, explaining each stage and keeping you informed until settlement.
UNDERSTAND
Talk through your business goals
Meet by phone, Zoom or in person. Tell us what you need to fund and your timeline.
GATHER
Build a clear picture of your business
We collect financial statements, tax returns or bank statements and details of existing debts.
ANALYSE & PLAN
Compare lenders and structures
We compare banks and specialist lenders, rates, fees and terms against your cash flow.
APPLY
Prepare and lodge your application
We present your business clearly to the lender and manage any follow-up questions.
FINALISE
Review the offer and settle
We walk you through the loan terms and any guarantees, then coordinate settlement.
SUPPORT
Review as your business grows
We review your finance as your business changes and help with what comes next.
Richard LukeFounder · Ausfirst Lending Group
WHAT MAKES AUSFIRST DIFFERENT
Your business is personal.
Your broker should be, too.
You’re looked after by someone who treats your financial success as his own.
You deal directly with Richard, the founder, who has more than 30 years of lending experience across Queensland. He takes the time to understand your business before recommending a loan that suits your goals.
Unlike larger brokerages, you won’t be passed between staff. Richard manages your loan personally from application to settlement, with clear advice at every step.
One point of contactSelf-employed specialists2024 Sunshine Coast Business Awards finalist
Have a chat with RichardMore about RichardWHAT OUR CLIENTS SAY
Good people.
Great support.
ExcellentBased on 35 Google reviews
Google review
“I would describe Richard and Ausfirst Lending as friendly, insightful, prompt and diligent. A pleasure to deal with.”
Google review
“Thanks to Richard and Debbie and the team at Ausfirst Lending… They are the gurus of self employed loans. I highly recommend their services.”
Google review
“I received very prompt responses to all of my questions and the team ensured that my application was processed in a timely manner. The service was brilliant!”
Excerpts from client reviews displayed on Ausfirst’s website. These reflect individual experiences.
LET’S CLEAR THINGS UP
Business loans.
Real questions.
The questions we’re asked most about business finance. Your business is unique, so we’re happy to talk through the detail.
Ask about my businessWhat can a business loan be used for?
Equipment and vehicles, cash flow, expansion, commercial property, refinancing business debt, fit-outs or buying another business. We match the loan to what you’re funding.
How much can my business borrow?
It depends on your business income, profitability, existing debts, available security and the lender’s criteria. Lenders differ, so comparing several gives you a clearer picture.
Can I get a business loan if I’m self-employed?
Yes. We regularly help sole traders, contractors and company directors. Depending on the lender, you may apply with financial statements, tax returns or business bank statements.
Do I need security for a business loan?
Not always. Unsecured loans are available, usually at higher rates and lower limits. Secured loans use property, equipment or vehicles and often come with better pricing. Directors may be asked for a personal guarantee.
What documents will I need?
Usually ID, recent financial statements, tax returns, BAS and business bank statements, plus details of existing debts. Requirements vary by lender and loan size.
Why use a broker instead of going to a bank?
A bank offers its own products. We compare options from major banks and specialist lenders, and manage the application for you, with Richard as your single point of contact.
LET’S MAKE A START
Your next move
starts with a conversation.
Tell us what your business needs to fund and where you’re heading. Richard will talk through your options and the lenders that suit your business.
A clear look at your borrowing options
Banks and specialist lenders compared
One broker from application to settlement
Visit us in Caloundra
Suite 3/74 Bulcock St, Caloundra QLD 4551
Monday–Friday, 9 am–5 pm
YOUR FREE BUSINESS FINANCE CHAT
Tell us about your business.
Send our team a little about what you need to fund.
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