How commercial finance is actually assessed
Straight answers from broker Phil Riches on the deals we do most — what a lender really looks at, what makes a deal fundable, and the questions clients ask first. General information only, not personal financial advice.
Childcare Centre Finance (QLD)
Buying the business, the freehold, or both — assessed as a going concern. Experience, lease and equity drive the outcome.
Medical Centre Finance (Cairns)
Buying into a practice or acquiring a centre — read around ownership, experience and structure. LVRs sometimes to 100% for specialists.
Equipment & Asset Finance
Vehicles, machinery, fit-outs and medical equipment — matched to the lender whose policy fits, not the lowest headline rate.
Dental Practice Finance (QLD)
Acquisition, fit-out and premises — structured around goodwill, chair income and equipment.
Pharmacy Finance (QLD)
Acquisition, fit-out and premises — built around earnings, location and goodwill.
Motel Finance (Cairns)
Freehold going-concern, leasehold and passive investment — assessed on trading and operator experience.
Commercial Property (Sunshine Coast)
Owner-occupied and investment property — read closely on lease, tenant and security type.
Business Acquisition Finance (QLD)
Funding to buy a business, book or practice — structured around earnings quality and goodwill.
Not sure which applies to your deal?
Understand how your situation is likely to be assessed — and what that may mean for your next step. Every conversation is strictly confidential.