Business Loans

Unsecured business loans: For businesses that might not have collateral but have a strong operational history, our unsecured loans offer the perfect solution.

Bank overdrafts: These provide businesses with the flexibility of additional funds, ensuring smooth operations even during cash flow hiccups.

Commercial property purchases: Ideal for businesses looking to invest in commercial real estate, whether it’s for expansion or as an investment.

SMSF lending: Our expertise extends to providing lending solutions for self-managed super funds, an increasingly popular choice among businesses.

Debtor/invoice finance: Cash flow can be a challenge, especially when clients delay payments. Our debtor finance solution allows businesses to borrow against their invoices, ensuring steady cash flow.

Mid-term refinance: Businesses can consolidate and restructure their existing loans, availing better interest rates and terms.

Refinance of expiring residuals/balloons: Before the end of your loan term, we can help restructure and refinance, ensuring continuity and financial stability.

Flexible structures for various business types: We provide finance solutions tailored not only to the needs but also to the structures of businesses. Whether you’re a sole-trader, in a partnership, operate as a trust, or run a company, Finance 48 has loan options designed specifically for you.

Guided expertise: With our director, Paul McKinley, being a Chartered Accountant, we bring a depth of expertise to the table. We

We simplify complex financial data, helping businesses understand and navigate their financial pathways better.

We simplify intricate financial data to assist brokers in enhancing their understanding and navigation of financial pathways.

Extensive lender collaboration: We boast collaboration with an extensive panel of over 60 commercial lenders. We workshop with this vast network, ensuring we pinpoint the most competitive and aligned loan solution tailored for each client’s needs.

Rapid response: Time is often of the essence in business. Recognising this, we prioritise swift responses and efficient processes, ensuring businesses get the funds they need without unnecessary delays.

Transparent presentation: After our workshop, we share all viable options with the client. We prioritise transparency, ensuring clients grasp the details of proposed solutions. We guide businesses through the application and contract phases, answering any questions they have.

Ongoing support: After securing a loan, we regularly check in to ensure the loan meets the business’s evolving needs. Unlike the typical ‘set and forget’ approach, we’re a consistent, behind-the-scenes partner offering continued guidance.