Business & Commercial Finance
Business Finance
TransformBiz arranges and structures business funding for Australian SMEs and mid-market operators — growth capital, working capital, asset finance and debt restructuring — with the reporting and structure lenders need to say yes.
Funding, Structured Around The Business Plan
Business funding fails for predictable reasons: the numbers are not presented the way a credit team reads them, the security is in the wrong entity, or the facility solves this quarter and creates a problem next year. We work the other way — from the operating plan to the funding stack.
- Growth funding for expansion, new sites, inventory and hiring ahead of revenue.
- Working capital: overdrafts, invoice and trade finance, and seasonal facilities.
- Asset and equipment finance for plant, vehicles, fit-out and technology.
- Debt restructuring — consolidating expensive short-term debt into sustainable facilities.
- Funding readiness: normalised earnings, forecasts and lender-grade reporting packs.
What Lenders Look For
Credit teams assess serviceability from adjusted EBITDA, the quality and ageing of receivables, director covenants, security position and the credibility of the forecast. Presenting these clearly, consistently and early is usually the difference between an approval and a decline — and always the difference between a good price and a poor one.
Who This Is For
- Owner-operated businesses funding growth without giving away equity.
- Businesses whose bank has stopped increasing limits.
- Companies preparing for an acquisition, capital raise or sale.
General information only. This page does not consider your objectives, financial situation or needs and is not credit, tax or legal advice. Lending outcomes vary by lender and individual circumstances, and are subject to assessment and approval.
Clients With Exactly This Problem
He understands client needs thoroughly and helps build a long-term financial pathway rather than just a short-term solution. His knowledge of Australian finance and mortgage products is excellent.
Although we engaged him for brokerage, he took the time to explain the pros and cons of different investment options and gave thoughtful, honest advice. His expertise and professionalism showed in every interaction.
Business Finance — Common Questions
Let's Structure It Properly
A short conversation is usually enough to see whether the structure is right.