Stabilise cash flow
Use unsecured term loans or overdrafts to cover payroll and supplier peaks.
- Utilisation vs cash-conversion dashboard
- Daily draw guidelines emailed to your team
- Lender updates when trading seasons change
Working capital + growth
Business Loans & Commercial Finance
We package business loans, equipment finance, and commercial property deals for SMEs across Australia. Every file is supported with performance metrics and forward-looking plans so credit teams can back your growth.
- Working capital, overdrafts, invoice finance, and trade facilities.
- Commercial property purchases (owner-occupied or investment).
- Equipment + vehicle finance that matches cash conversion cycles.
Funding pipeline
We build a funding stack you can lean on repeatedly—not a one-off facility that restricts future moves.
Scale assets
Equipment finance, fleet upgrades, and fit-outs matched to depreciation schedules.
- Multiple lender quotes with residual comparisons
- GST deferral + instant asset write-off guidance
- Supplier negotiation templates
Secure property
Commercial property lending with clear exit options, lease analysis, and valuation management.
- Valuer shortlists and instructions
- Rent-vs-buy comparative modelling
- Refinance roadmap for future rate drops
What lenders need
We translate year-to-date performance into lender-ready commentary so underwriters understand the story beyond raw numbers.
Property, directors’ guarantees, PPSR registrations—everything is mapped with values and release timing.
Scenario modelling shows how you will respond if revenue, costs, or interest rates change.
We introduce conveyancers, accountants, and legal partners so every milestone is covered.
Engagement steps
Brief
Discovery session + data room upload (financials, BAS, contracts).
Design
Funding stack recommendations + policy notes delivered within 3 business days.
Pitch
We run lender meetings, present credit packs, and negotiate covenants.
Execute
Settlement support, ongoing covenant reviews, and rate negotiations.
Want to keep personal finances aligned? Pair this with our personal loan or vehicle finance services so everything stays under one strategy.
Work with NewGen
Send your financial statements or management accounts to info@newgenfinancebrokers.com. Joshua and the strategy team will return with lender options, document requests, and timelines.
Need founder access? Visit the About page or call 0451 414 800 to lock a strategy session.
Book a business finance session