Commercial finance in Australia.
Our commercial lending solutions support the successful operation and strategic growth of your business. From working capital and equipment finance to development funding and equity raising, we structure the right solution across mainstream, private and specialist lenders.
We understand your business
We make it our business to understand yours, so you are properly prepared with everything you need to secure the best terms. The result is finance structured around how your business actually operates.
Access beyond major banks
Alongside mainstream lenders we work with private financiers and niche providers others cannot easily reach, from private lending to venture debt. When the banks tighten their criteria, we still have options.
Equity as well as debt
When debt is not the right answer, we raise capital through our extensive network of high-net-worth and family office investors. Few brokers can move between debt and equity the way we do.
Business loans
We help businesses large and small find lending solutions for their needs, whether it is purchasing a business, acquiring the necessary working capital, debtor finance or securing short-term funding. Importantly, we make it our business to understand your business, ensuring you are properly prepared with all the information you will need to get the best terms and watch your venture thrive.
Cash flow lending
Cash flow is essential for a healthy business and sometimes you need a little help to keep things moving. Cash flow lending allows you to borrow funds against expected future revenue for business purposes, such as investing in new equipment or temporarily covering wages. We undertake a full analysis of your business to understand your position, determine how much you can borrow and put you in touch with a lender who can assist.
Working capital finance
Often businesses require a cash injection to maintain operations, to pay for things like rent, utilities or inventory. Secured or unsecured, working capital loans come in a variety of shapes including term loans, business lines of credit, business credit cards and merchant cash advances. We are here to determine the best course of action for you and provide multiple options to secure fast working capital finance through our panel of lenders.
Equipment finance
Require new equipment for your business, or perhaps a new car or truck? Equipment finance is the ideal way to enjoy flexible access to capital for such purchases which are then used as security against the loan. We provide guidance on the many products out there and connect you to lenders who can advise how to best structure an equipment loan and take advantage of any tax benefits.
Commercial property finance
Commercial property can be an excellent high-yield investment however because it is often perceived by lenders as riskier, rates may be higher than residential loans, with a larger deposit required. Whether you are purchasing a commercial property for your business or as an investment, we can help demystify the many loan products available and advise how to structure a loan to get the most out of your investment.
Development finance
Property development requires specialised lending products through banks and non-bank private lenders. Because every development project is unique, whether it is a new build or expansion of an existing project, our financial solutions are specifically structured to meet the individual and often complex nature of both residential and commercial ventures.
Private lending
Loans from private lending facilities (private individuals or companies) can be a fast, flexible and often more straightforward alternative to financing from mainstream lenders who are increasingly tightening their lending criteria. We can strategise the right private finance solution for your business needs, from starting or purchasing a business to working capital or purchasing a commercial property.
Venture debt
If you are an entrepreneur with a high-growth venture-backed start-up struggling to meet the criteria for typical business loans, then rather than opting for equity investment, venture debt allows you to raise capital without setting a valuation or diluting your ownership stake. As these loans are highly specialised and not widely offered by lenders, our relationship with these niche providers is a valuable pathway to securing your venture debt.
Equity raising
If your business is not in a position to hold any debt, equity raising is sometimes a necessity for successful operation. Acclime has successfully raised funds for many clients through our extensive network of high-net-worth and family office investors. We are seasoned experts with a proven history in facilitating introductions and aiding strategic solutions for complex needs.
Trusted by professional firms
Professional services firms engage us to review and tender their banking relationships because we understand how they operate and structure their finance. That depth delivers exceptional commercial outcomes.
The widest range of options
From the major banks to private lenders, venture debt providers and equity investors, we cover more of the funding landscape than most. Whatever your situation, we have a pathway to explore.
Ethical, transparent process
Clients consistently point to our professionalism, ethics and client focus. We run fair, efficient and transparent processes built to secure real value for your business.
