Commercial & Business Finance
Whether you’re:
- Acquiring a business
- Expanding operations
- Purchasing commercial property
- Investing in new equipment or vehicles
- Releasing working capital
We’ll help you secure the right structure and the right lender to get it done.
Why Choose Black Book Finance?
✅ Deep Expertise – 10+ years specialising in business finance across industries
✅ Local Knowledge– We understand the Geelong and Melbourne business landscape
✅ Tailored Approach – No cookie-cutter loans. Just solutions matched to your business goals
✅ End-to-End Support – From initial strategy through to funding approval and beyond
✅ Long-Term Mindset – We don’t just write loans. We build lasting partnerships
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.
🔹 General Business Finance
What types of business loans are available?
We offer a wide range of tailored business finance solutions, including:
- Term loans
- Equipment and vehicle finance
- Lines of credit and overdrafts
- Business acquisition loans
- Trade and debtor finance
- Insurance premium funding
We’ll recommend the right option based on your goals, cash flow and structure.
Can I get a business loan without providing full financials?
Yes – we work with lenders who offer low-doc and no-doc loans, especially for self-employed borrowers and businesses with strong bank statements or BAS turnover but limited paperwork.
How much can I borrow?
Loan amounts typically range from $10,000 up to $5 million+, depending on your revenue, industry, credit profile and whether the loan is secured or unsecured.
How long does it take to get approved?
Unsecured or low-doc business loans can be approved in as little as 24–72 hours. More complex or secured loans (like commercial property or acquisition funding) may take 1–3 weeks.
Do I need property as security for a business loan?
Not always. We can arrange unsecured finance or loans secured against business assets (e.g. vehicles, equipment, or invoices). However, using property may improve your terms and borrowing power.
🔹 Finance for Self-Employed & Sole Traders
Can sole traders get business loans?
Yes – we help sole traders and ABN holders access finance using BAS statements, business bank accounts, or accountant letters. You don’t need to be a company to qualify.
Can I get a loan if I’ve only been self-employed for 1 year?
Some lenders accept applications from borrowers with 12 months of self-employment. We’ll assess your options and advise on eligibility based on income and industry.
Is business finance harder if I don’t have up-to-date tax returns?
Not necessarily. We can work with lenders who accept bank statements, BAS, or alternative income verification, helping you secure funding without waiting on your accountant.
Can I get finance if I have ATO debt?
Yes. Some lenders accept applicants with ATO debt, and we can even help you refinance or consolidate that debt into a structured loan.
🔹 Business Growth & Acquisition
Can I get a loan to buy an existing business?
Yes – we specialise in business acquisition finance, including funding goodwill, stock, plant & equipment, and working capital. We'll structure a tailored loan to suit the deal.
Do you help fund business expansions or renovations?
Absolutely. We assist with loans for fit-outs, new premises, staff recruitment, marketing campaigns and other growth initiatives.
Can you help with franchise finance?
Yes – we work with clients entering new or established franchise systems and offer funding for setup, franchise fees, equipment and working capital.
🔹 Equipment, Vehicle & Cash Flow Lending
What’s the difference between equipment finance and a business loan?
Equipment finance is secured directly to the asset (e.g. truck, machinery) and usually offers better rates. A business loan is more flexible but may be unsecured or secured with other collateral.
Can I finance second-hand vehicles or equipment?
Yes. Many lenders accept used equipment, particularly if it's in good condition and not too old. We'll guide you on what qualifies.
What is debtor finance?
Debtor finance (or invoice finance) allows you to access funds tied up in unpaid invoices – often up to 85% of the value upfront – improving your working capital.
Can I fund slow client payment cycles (e.g. 90–180 days)?
Yes – we offer working capital loans, trade finance, and invoice factoring solutions to help businesses with extended payment terms.
🔹 Credit History & Lender Declines
Can I get a loan if I have bad credit?
Yes – we work with specialist lenders who consider cash flow and business performance, not just your credit score. Providing security can also help.
I’ve been declined by a bank — can you still help?
Absolutely. We regularly help clients secure finance after a bank decline by matching them with non-bank and second-tier lenders who are more flexible.
🔹 Local Business Lending
Do you help businesses in Geelong and Melbourne?
Yes – we are proudly based in Geelong and work with clients across Melbourne, Ballarat, the Bellarine, and all of Victoria. We offer local service with national lender access.
Are you a business finance broker or lender?
We are an independent business and commercial finance brokerage, meaning we act in your best interests and have access to 40+ lenders – including major banks, non-banks and private funders.
Need More Answers?
Get in touch for a personalised, obligation-free chat about your business goals. Whether you're growing, acquiring, refinancing or just getting started — Black Book Finance is here to help.