Business loans
Business loans that fit the business, not the bank.
Business lending is where the right broker earns real money for you: the spread between lenders is wider, the structures matter more, and the bank's first offer is rarely its best. One broker, your numbers, and a panel that includes the lenders who actually want your industry.
Rated 5.0 from 261 Google reviews · Brisbane finance brokers
- Growth funding, cash-flow and working capital, commercial property, franchise and acquisition lending
- One broker who learns your business once, not a new banker every eighteen months
- Deals prepared the way credit teams read them, with the issues cleared first
The lending, by what it's for.
Most business lending falls into one of these lanes:
- Growth capital: funding the opportunity that's bigger than your cash on hand
- Cash-flow and working capital: smoothing the gap between doing the work and being paid
- Commercial property: buying your premises (including through your SMSF) or investment property
- Equipment and vehicles: financed against the asset itself, often same-week
- Acquisition and franchise: buying a business or the next territory
Why business owners use us instead of their bank.
Your bank sees your application through its own policy. We shop it across a panel (banks, non-banks and specialist lenders), and because we prepare the file the way credit teams want it (clean financials, the story, the security position), it gets assessed faster and priced sharper. When the group connection helps, it's here: LINK Advisors can have your financials lender-ready, and the whole conversation happens under one roof.
How business lending is priced.
Business loan pricing follows security more than anything else. Property-secured lending prices lowest, sometimes near home loan territory for strong deals. Asset finance sits in the middle, secured by the equipment itself. Unsecured cash-flow lending prices highest, sometimes dramatically so, because the lender is relying on your trading alone. Across all of it, personal guarantees from directors are standard for small business debt, and many lenders take a general security agreement over the business's assets.
The other levers are trading history, industry (lenders run appetite lists, and being on the right one changes everything) and how clean the file is. A well-prepared application with two years of financials and a clear purpose routinely prices better than the same business walking into a branch.
The process: from call to funds.
The sequence is consistent even when the products differ:
- A conversation about what the money is for, how much and when: purpose drives everything
- Financials gathered: we work directly with your accountant, or LINK Advisors can bring them lender-ready
- Lender shortlist and indicative terms, so you see pricing before committing to an application
- Credit approval: days for asset finance and some cash-flow products, one to three weeks for secured lending
- Documentation and settlement, with the facility structured the way you'll actually use it
Who business broking suits, and who it doesn't.
If your bank knows your business, prices it keenly and moves at your speed, staying put can be the right answer, and we'll say so after the comparison. Broking earns its keep when the bank has gone slow or conservative, when your industry sits outside their appetite, when the structure needs thought (multiple entities, property plus trading debt), or when you don't have time to run a competitive process yourself.
Where it doesn't help: lending to paper over a fundamental problem. Debt buys time and capacity; it doesn't fix a model. If we think the answer is your accountant before a lender, we'll tell you that instead.
Common mistakes in business borrowing.
Most expensive business debt got that way through one of these:
- Funding long-term assets with short-term money, then refinancing under pressure
- Stacking quick unsecured loans on top of each other instead of restructuring once
- Ignoring the ATO position until the lender finds it: arrears are workable, surprises aren't
- Signing personal guarantees without reading what they actually secure
- Accepting the bank's renewal terms every year without ever testing the market
Your broker, not a call centre.
Hugh, Callum and Jacob write every loan themselves: the person who meets you is the person who structures the deal, drives the approval and reprices your rate every six months after settlement. That's why 262 Google reviews name them personally.
Meet the team →262 five-star reviews, and counting.
The reviews page →Verify on Google →Callum and the team were fantastic to deal with every step of the way. As first home buyers we really appreciated Callum's simple explanations of each part of the process and we couldn't be happier with the result.
Seamless experience dealing with Hugh and the Link Advance team to refinance our home. Thank you!
Jacob and the team at LINK Advance made buying our investment property quick and painless. Would recommend
We’ve just bought our first home with the help of Callum and the team at LINK, and we couldn’t be more grateful. Callum went above and beyond, kept us informed every step of the way, and made the whole process feel easy and stress-free. Highly recommend!
Hugh has been amazing throughout the process of buying our new house. He is very approachable and knowledgable and went above and beyond what we expected to help us out. Thanks so much Hugh!
Jacob was an efficient mortgage broker. The process was made simple and constant updates were communicated. Any questions asked were responded to timely. Highly recommend Jacob.
Building a house can be so stressful and overwhelming let alone dealing with the finance aspect of it, however with Callum it has been the exact opposite. He has been so patient and extremely helpful throughout the whole process. Highly recommend!
Hugh Dellit was fantastic to work with and truly understood our needs when it came to applying for our first home loan. I would highly recommend him for his professional, kind and friendly service.
Jacob provided informative and friendly service every step of the way. He was a great comfort to us as first home buyers as we knew we were in good hands. Thanks for all of your help Jacob!
Hugh and the rest of the team were excellent at securing us a home loan. Knowledgeable, friendly, very communicative and made the entire process stress free and easy. We can’t recommend Hugh and the rest of the team at Link Advance enough.
Frequently asked questions.
What do business loan rates look like?
Wider than home loans: secured lending against property prices lowest, unsecured cash-flow lending prices highest, and asset finance sits in between. The honest answer is a range spanning several percentage points depending on security, trading history and industry, which is exactly why comparing lenders matters more for business debt than any other kind.
What will lenders want to see?
For established businesses: financials (usually two years), ATO position, existing commitments and the purpose of funds. Newer businesses and startups have fewer doors but not zero: low-doc and asset-backed options exist. We tell you upfront which lane you're in.
Can I get funding fast?
Asset finance and some cash-flow products can approve within days. Property-secured lending takes weeks. If timing is critical, say so first. It changes which lenders we go to.
Do you handle commercial property purchases?
Yes: owner-occupied premises, commercial investment and SMSF commercial purchases (the buy-your-premises-through-super strategy business owners love, run jointly with LINK Wealth).
Do I need a deposit or security for a business loan?
Not always, but security changes the price dramatically. Unsecured lending exists and is fast; property-secured lending can cost a fraction as much. Asset purchases usually secure themselves. The real question is which mix of speed, cost and risk fits the purpose, and it's the first thing we map with you.
Will I have to give a personal guarantee?
For small and medium business lending, almost always: directors' guarantees are standard across banks and non-banks. What varies is what else sits behind the loan (property security, a general security agreement over business assets) and whether the guarantee is capped. We make sure you know exactly what's pledged before you sign.
Can a startup or new business get finance?
Fewer doors, not zero. Asset finance against equipment, lending secured by property or a strong contract, and franchise programs for proven systems all work for young businesses. Pure unsecured cash-flow lending usually wants trading history, commonly six to twelve months minimum. We'll tell you upfront which lane you're in and what unlocks the next one.
What does a commercial broker cost?
Many business loans pay broker commission the same way home loans do, at no cost to you. Some complex or time-heavy commercial work carries a fee, agreed in writing before any work starts, never discovered afterwards. Either way you see the numbers before anything is lodged.
Your broker for life.
Bring the plan. We'll bring the lenders.
Tell us what the business needs and when. A broker will map the realistic options and what they cost. No obligation.
Call us
07 2101 4374Find us
Level 1, 57 Berwick Street, Fortitude Valley 4006
5.0 · based on 261 Google reviews