Welcome to Black Book Finance
Your Local Experts in Business Finance across Geelong, Melbourne and Regional Victoria
At Black Book Finance, we specialise in helping self-employed professionals and small business owners access smart, tailored financial solutions.
Whether you’re looking to grow your business, invest in equipment, fund a new venture, or refinance existing loans, we make business finance simple, strategic and personal.
Our experienced brokers understand the unique challenges of self-employment and business ownership. We take the time to understand your goals, structure the right finance solution, and guide you from application to approval – and beyond.
Why Partner with Us?
We are local, independent and relationship-driven
We offer an extensive network, including banks and specialist funders
We have real-world business experience and straight-talking advice
We are committed to long-term partnerships, not just transactions
How we can help
Commercial & Business Finance Solutions
At Black Book Finance, we bring over a decade of hands-on expertise in commercial and business finance. We support self-employed professionals, business owners, and investors with smart, strategic funding solutions designed for real-world business needs.
Whether you’re:
- Acquiring a business
- Expanding operations
- Purchasing commercial property
- Investing in new equipment or vehicles
- Releasing working capital
We take the time to understand your cash flow, business model, structure, and future plans — then match you with the best funding option from our broad lender panel, including major banks, second-tier lenders, and private financiers.
Home Loans & Investment Property Lending
At Black Book Finance, we specialise in helping first home buyers, upgraders, and self-employed investors across Geelong, Melbourne and regional Victoria secure the right loan – whether it’s for your dream home or your next investment property.
With deep industry knowledge and access to a broad lender panel, we simplify the lending process, provide clear advice, and tailor solutions around your financial goals.
We Can Help With:
- First Home Buyer Loans – Government schemes, grants, and low-deposit options
- Home Loan Pre-Approval & Purchase Finance
- Self-Employed Home Loans – Alt-doc and full-doc options available
- Investment Property Loans – For both new and experienced investors
- Loan Structuring for Tax & Cash Flow
- Refinancing & Equity Release
- Debt Consolidation into Your Home Loan
Whether you're buying a home or investing in a rental property, we work with you from strategy to settlement – and beyond.
Vehicle & Equipment Finance and Insurance Premium Funding
At Black Book Finance, we help self-employed professionals, tradespeople, and small business owners access flexible funding for vehicles, equipment, and annual insurance premiums — keeping your business moving without compromising your cash flow.
Whether you need to finance a new truck, office fit-out, machinery or pay a lump-sum insurance premium, we’ll tailor the right finance strategy from our broad panel of lenders.
Our Finance Solutions Include:
- Full-Doc, Low-Doc & No-Doc Finance Options
- Vehicle Loans (new & used) – Cars, utes, vans, trucks, trailers
- Equipment Finance – Plant & machinery, IT hardware, medical/dental, tools
- Chattel Mortgages, Leases & Hire Purchase Agreements
- Sale & Buy-Back (Equipment Reimbursement) Funding
- Insurance Premium Funding – Spread your annual insurance cost over 12 months
Property Development Finance
End-to-End Construction & Development Finance Solutions for Builders, Developers & Investors
At Black Book Finance, we work closely with property developers, builders, and commercial investors across Geelong, Melbourne, and greater Victoria to deliver strategic, tailored finance solutions for residential, commercial, and mixed-use projects.
From land acquisition and construction finance to refinancing, residual stock loans, and portfolio restructuring, we provide the guidance, access, and lender expertise to get your development off the ground — and keep it moving.
Our Property Development Finance Services Include:
- Land Acquisition & Land Banking Finance
- Construction Loans (Residential & Commercial)
- Pre-Sales & Non-Pre-Sale Funding Options
- Equity Release / Mezzanine Funding
- Residual Stock Loans
- Refinancing & Portfolio Consolidation
- Joint Venture Funding Support
Whether you’re building townhouses, apartment blocks, warehouses or commercial spaces, we’ll help structure the right funding approach — based on feasibility, stage, and strategy.
Got a question about finance brokers?
Please reach us at admin@blackbookfinance.com.au if you cannot find an answer to your question.
