Finance for professional services, shaped around how you get paid.

Invoice finance advances against issued fee invoices so fortnightly salaries are covered while clients take 30 to 60 days, and a line of credit funds work in progress before it is billed. Some lenders offer facilities specifically for accounting and legal firms against their fee income.

Yes. Acquisition finance funds buying into a partnership or purchasing a fee base or whole firm against the firm’s recurring fees and goodwill, and several lenders have packages for accountants, lawyers and other professionals with high loan-to-value ratios. The firm’s financials and client retention are the key assessment points.

Yes. Joinery, workstations, meeting rooms, IT hardware, software and phone systems can be funded under one fit-out and technology facility, with suppliers paid as the work progresses and the loan repaid over three to five years within the lease term.

Often, yes. Accountants, lawyers, engineers and other professionals are well regarded by lenders because fee income is stable, and several offer lighter documentation, higher limits and sharper pricing on unsecured, acquisition and property finance. A broker knows which lenders include your profession.

Most unsecured business lenders size a loan against turnover rather than assets, commonly to a share of monthly or annual revenue. On our panel, unsecured facilities generally run from around $5,000 to roughly $500,000, with larger amounts usually requiring security or stronger financials. The actual figure depends on your trading history, cash flow, existing commitments and credit profile. We can tell you the realistic range for your business before any application is submitted, but no amount is guaranteed until a lender approves it.

A business loan advances a fixed amount that you repay over a set term. An overdraft is a limit attached to a transaction account that you draw on and repay as needed, with interest charged only on the balance used. A loan suits a defined purchase or a one-off cost; an overdraft suits timing gaps between paying suppliers and being paid. Overdrafts often carry a line fee whether or not you draw the limit, so compare the total cost of holding the facility.

It varies by lender and product. Many unsecured business lenders want at least six to twelve months of trading, while some asset finance lenders will consider a new ABN where the director has industry experience, a clean credit file and often property ownership or a deposit. Registration for GST is frequently expected once turnover reaches the threshold. A short ABN history is not an automatic decline, but it narrows the panel and usually affects the rate and structure offered.

No. Plenty of finance is written for non-property owners, especially asset finance where the equipment itself is the security, and unsecured lending assessed on cash flow. That said, property ownership widens the panel and often improves pricing, because it gives a lender an additional avenue if things go wrong. If you do not own property, expect more weight on trading history, bank conduct and the quality of the asset being financed.

Because they are pricing different levels of risk and using different funding. A bank with a long assessment process and full financials can price sharply; a fintech approving in hours from bank statements charges more for that speed and the lighter verification. Asset type, age, term, deposit, credit history and whether directors own property all move the number. That is the point of a panel — the same deal can land very differently, so it is worth comparing rather than accepting the first quote.

Most facilities can be paid out early, but the cost depends on the structure. Fixed-rate equipment finance often includes a break cost or an early termination fee that recovers part of the lender's expected interest, so paying out in year one rarely saves the full remaining interest. Some short-term unsecured loans have a fixed total repayable, meaning early repayment saves little or nothing. Ask for the payout figure in writing before you decide.