Business lending, structured around your goals.
Finance for the moments that move a business forward. Funding growth, smoothing cash flow, buying another business or untangling a structure that stopped working years ago.
Bloc has access to over 70 lenders. No two look at a business the same way, and knowing which one fits yours is most of the job.
01 - THE TYPES OF DEALS.
Examples of clients Dan has supported across his career in business and commercial lending, various debt sizes across a range of industries. Each business and its owner is always different and a unique approach to each led to their outcomes.
Click the deals to see what happened.
-
Manufacturing - $9M at 100% of cost, no cash in
The need. A purpose-built facility to replace leased premises.
The block. Construction lenders want the equity contribution in cash. Theirs was in plant on the balance sheet and in property the director held personally.
The fix. Treated the equity as asset backing rather than cash, with drawdowns staged against progress payments through the build.
The outcome. 100% of total cost funded and the clients cash stayed in the business.
-
Allied health - $3.5M at 110%, nothing at settlement
The need. Opportunity to buy a practice and the commercial property it had operated from for years.
The block. Goodwill and property get assessed separately by most lenders, which left a cash gap of several hundred thousand before duty and legals.
The fix. Linked the owners' home as top-up security and structured both loans to support business cashflow post-purchase.
The outcome. 110% of the acquisition funded. No cash required at settlement.
-
Manufacturing - $2M buyout, no home on the line
The need. Funding for the remaining partner to buy out a departing one.
The block. Buyouts are usually funded against the directors' own homes, because a share of a business isn't something a lender can take and sell. The client wasn’t in a position to do that.
The fix. Built the case on the company's earnings and balance sheet, so the debt sat where the value actually was.
The outcome. $2m funded against the business. Directors' guarantees, but no mortgage over anyone's home.
-
Recruitment - $3M secured on invoices, not property
The need. Working capital to cover paying contractors weekly while clients paid on 45 to 60 day terms.
The block. Growth widened the gap before it closed it. The overdraft was capped where it sat, and more meant putting up property.
The fix. Debtor finance secured against the receivables ledger, drawing against invoices as they're raised.
The outcome. A debtor finance line that scales with the ledger, secured on invoices rather than property.
-
Real estate - $700K at 100% of share value
The need. Shareholder loans for incoming partners buying into an established agency.
The block. The loan is personal, the asset is shares that can't readily be sold, and servicing on salary alone doesn't reach.
The fix. Structured so the dividend stream from the shares being bought carried the servicing, supported by the agency's recurring earnings.
The outcome. Funded the share purchases at 100% of share value supporting several partners in at once.
-
Hospitality - $4M on trading, not property
The need. Funding to expand into new sites.
The block. Without 100% property backing many lenders decline hospitality before anyone opens the financials. Strong trading doesn't help if the application never reaches someone who'll read it.
The fix. Led with cashflow and the balance sheet. Property then provided as top-up security, not the other way around.
The outcome. The expansion funded in full, on the strength of what the business had already built.
Need this approach on yours?
That’s enough to start. Let’s have a fifteen minute chat and you’ll know where you stand.
02 - WHO COMES TO US.
Three situations we see constantly. Different circumstances, same underlying problem: someone has looked at the file instead of the business.
-
Operators
Growing businesses, from a trade outfit adding staff to an established operation eyeing its own premises. The bank wants bricks and nothing else, so good cash flow gets treated as no security at all.
If your business is the asset, we know how to make a lender see that.
-
The squeeze
You don't need more funding. You need the funding you already have to fit how the business actually trades. Short-term debt doing a long-term job. Repayments that ignore your trading cycle. Everything cross-secured against the family home because that's how it was written years ago.
You don't have a funding problem. You have a structure problem, and that one's fixable.
-
The acquirers
Buying a competitor, an existing business, or a stake from a retiring owner. Lenders are comfortable funding things they can touch, less comfortable funding cash flow changing hands, even when the numbers stack up.
We know how to make a lender see a business the way you see it.
03 - WHAT WE FUND.
-
Cash flow and trading
Working capital, overdrafts and seasonal facilities
Cash flow lending, secured or unsecured, where the trading numbers carry the deal
Debtor and invoice finance against money you're owed but haven't been paid
Trade and import finance
-
Buying and growing
Business acquisition, competitor buy-outs and buying out a retiring partner
Restructures that release equity or untangle cross-secured lending
Plant, vehicles and equipment, usually alongside a broader facility
-
Property investment and development
Commercial property purchase and refinance, owner-occupied or investment
Construction and development finance
SMSF lending for commercial and business premises
04 - WHY BLOC.
We know which lenders to ask, and why.
Dan spent sixteen years inside Australian business banks, assessing and writing credit from the other side of the table. That's the difference between knowing a lender's product list and knowing what their credit team will actually be worried about on page four.
Before anything goes anywhere, we listen to what you're trying to do, where you want the business to be in three years, and what has to be true for a lender to back it. Then we build the case in the language their credit team reads, and take it to the lenders we know can support it.
One wants property. One will fund on trading performance. One understands your industry and one has never seen it before. Picking correctly the first time is most of the job.
05 - THE PROCESS.
How your deal moves with Bloc.
No mystery, no chasing. You'll always know where you stand and what's next.
-
01 · The conversation
What you're trying to do, what's in the way, and what you've already been told. Start with fifteen minutes if that's easier. The full conversation usually runs about an hour.
-
02 · The honest read
Whether this stacks up, what it'll likely cost, and what a lender is going to want to see. If the answer is not yet, you'll hear that in the first week rather than the sixth.
-
03 · The case
The application, the numbers and the supporting story, written the way credit reads them and sent to the lender most likely to say yes to this specific deal.
-
04 · After settlement
A structure review each year, because the facility that suited the business in 2026 won't necessarily suit it in 2029.
06 - HOW LONG IT TAKES.
Straightforward deals run two to four weeks from the point we have complete information. Where there is a structure to build, expect two to three weeks to written terms and another two to six weeks to formal approval. Construction, acquisitions and private credit take longer again.
Unsecured working capital is the fast lane. Where a lender can assess on bank statements alone, it can be as quick as 24 hours.
The single biggest thing that moves these timeframes is how complete the information is when we start. We tell you exactly what is needed in the first conversation so nothing stalls halfway.
07 - QUESTIONS.
Questions we’re often asked.
-
No. Plenty of lenders will fund a business on its trading performance rather than bricks. The trick is knowing which ones, and presenting the numbers so their credit team can get comfortable. This is the single most common reason a business gets knocked back by its own bank and approved somewhere else.
-
For business and commercial lending there's a fee for us to get started and a second one once a lender puts a formal offer in front of you. Commercial deals can take weeks of work with lenders before they confirm whether they'll support the request, and charging for that work is what lets us dedicate the required time to you.
You'll know both numbers and what they cover before we begin. No surprises at the end.
-
A working capital or equipment facility can often be arranged within days. Acquisition or more complex cash flow finance takes longer, usually a few weeks, depending on how quickly the financials come together and how the lender assesses the business. We’ll give you a realistic timeline in the first week, not an optimistic one.
-
For commercial work, yes. It's a short engagement letter covering what we're doing for you, what it costs, and what we'll each need from the other.
It also asks that you work with us alone on that deal for an agreed period. Your commitment to our process means you’ll have our full attention while we work through your lending options.
We'll walk you through it before you sign anything, and we'd encourage you to have your accountant or solicitor take a look.
-
Often, yes. A decline usually tells you how one lender reads your deal, not whether the deal is fundable. The useful question is what specifically they couldn't get past, and whether that's a structural issue or just the wrong lender.
-
Probably neither. Size matters less than complexity, and some of the most involved work we do is on smaller facilities. If you’re unsure whether your situation fits, ask. A short conversation costs nothing and we’ll tell you either way.
-
No, and it's worth knowing. Home loans sit under the National Consumer Credit Protection Act, which requires a loan to be not unsuitable for you and comes with consumer protections attached. Most commercial and business lending sits outside that regime, with fewer statutory protections and more room for lenders to price and structure as they see fit.
That isn't a loophole and it isn't a shortcut, it's a different regulatory environment. We'll always tell you which one your deal sits in and what it means for you. Our standards don't change with the regime.
08 - JARGON.
The business jargon, said plainly.
-
Earnings before interest, tax, depreciation and amortisation. A rough proxy for the cash the business generates before financing and accounting decisions.
-
Expenses or revenue adjusted from the profit figure because they're one-off or discretionary. Lenders differ on what they'll accept, and it can move your borrowing capacity significantly.
-
Whether the business generates enough cash to cover its loan repayments, with room to spare.
-
Lending based on what the business earns rather than what it owns.
-
A condition attached to the loan the business has to keep meeting, not just at the start. Breaching one can trigger a default with the lender even if repayments are kept up to date.
-
The cash a business needs on hand to keep running day to day, before any big purchases.
-
You personally promise to cover the debt if the business can't.
-
Using one asset as security for more than one loan. Straightforward initially but can be tricky to unwind.
-
What proportion of the asset's value you're borrowing, and whether the business can afford the repayments under the lender's own stress test.
-
A personal guarantee given by a company director. Common on business lending, and worth understanding properly before you sign one.
-
A general security agreement gives a lender rights over the business’s assets rather than one specific item.
09 - HOW WE GET PAID.
Two ways, and we’re upfront about both.
The lender pays a commission when the facility settles. We also charge a fee for the work of structuring the deal. It is priced on how complex the deal is, never on how big the loan is, and it is quoted and agreed in writing before any work starts. There are no surprises later.
What does the work fee cover? It pays for our time to build your deal, the commission pays for placing it. If a lender declines after issuing terms, we take it to the next one at no extra cost to you.
Let's build something big.
Start with a conversation. Tell us what you're trying to achieve and we’ll help you get there.