Business loans we arrange
Solvyr Capital is a finance brokerage based in Southport on the Gold Coast. We arrange business lending for clients Australia-wide, from sole traders and tradies to established companies. Commercial lending is a broad label, and the right product depends on what the money is actually for. One conversation covers the lot:
- Secured business loans. Backed by property, equipment or another asset. Security widens the pool of lenders willing to look at your file.
- Unsecured business loans. No asset required. Lenders lean harder on trading history and bank statements instead.
- Working capital finance. Cover a stock order, a tax bill, a quiet quarter or the gap between invoicing and getting paid.
- Vehicle and equipment finance. Utes, trucks, machinery and tools, financed under the business. If it's a car for the business, our car finance page covers that side in detail.
One thing we don't do: tax advice. Whether an asset should sit in the company, a trust or your own name is a structure question, so ask your accountant before you sign anything. We arrange the finance and leave that call to them.
Why one broker beats applying bank by bank
Apply directly and you get one lender's answer, based on one lender's criteria. If they say no, you start again somewhere else, and every formal application can leave a mark on your credit file. Do that three or four times and the file itself starts working against you.
We work differently. You tell us your situation once. We know which of our 30+ lenders, banks and specialist non-bank lenders alike, actually approve files like yours, and we place your application there first. A cafe eighteen months into trading can be a flat no at one lender and a workable file at another. The criteria really do differ that much. Because we do this every day, we also know the gap between a lender's advertised policy and what their credit team passes in practice.
The initial enquiry takes about two minutes and does not affect your credit score. Nothing formal touches your file until you've seen the option we recommend and told us to go ahead.
What lenders actually assess
Every lender on our panel weighs the same three things, just in different proportions:
- Time trading. Some want two years of history behind an ABN. Others will lend to a business twelve months in, or newer again with security behind it.
- Turnover. Most lenders now read your business bank statements directly, usually the last six to twelve months. Consistent deposits matter more than one perfect month.
- Security. Offering property or equipment opens more doors. Plenty of lenders on our panel don't require it at all.
No up-to-date financials? That doesn't end the conversation. Several of our lenders offer low doc business finance for ABN holders, assessed on bank statements rather than full financial statements. Having your ABN details, ID and recent bank statements ready is usually enough to get moving.
And if your credit file has a few scars, tell us upfront. We'll give you an honest read on where you stand before anything is lodged, so you're not collecting declines that make the file worse.
How it works
On cost: in most cases you don't pay us directly. Solvyr Capital acts as a credit representative and may receive a commission from the lender when your loan settles. Any commission is disclosed to you before you proceed, so there are no surprises at settlement.
Ready to see where your business stands? Start your enquiry. Two minutes, no credit score impact, and a straight answer either way.
FAQs
How fast can I get a business loan approved?
Once your documents are in, approvals often land within 24 to 48 hours. Timing depends on the lender and the complexity of your file, and every approval is subject to lender criteria and credit assessment. The initial enquiry itself takes about two minutes.
Can I get a business loan without financial statements?
Often, yes. Several lenders on our panel offer low doc options for ABN holders, assessed mainly on business bank statements rather than full financials. You still need to show consistent turnover, and approval is subject to lender criteria and credit assessment.
Does enquiring about a business loan affect my credit score?
Our initial enquiry does not affect your credit score. Nothing touches your credit file until you choose a lender and we lodge a formal application with your go-ahead. That formal application does involve a credit check, which is standard with any lender.
Do I need security to get a business loan?
Not always. Unsecured options exist for businesses with solid trading history and clean bank statements. Offering security, such as property or equipment, generally widens the range of lenders willing to consider your application. We will tell you which path fits your situation before anything is lodged.
How much does a broker charge for a business loan?
In most cases you do not pay us directly. Solvyr Capital acts as a credit representative and may receive a commission from the lender when your loan settles. Any commission is disclosed to you before you proceed.
Ready to get moving?
Tell us what you are looking to finance. It takes about two minutes and does not affect your credit score.
Prefer to talk? Call 0468 157 797