Working Capital
Discuss funding for operating needs, such as inventory, supplier payments or a timing gap between business expenses and incoming revenue.
Discuss working capital
English · Hindi · Nepali · Bengali
0413 364 684Melbourne based. Australia wide.
Business loans in Melbourne.
Support for your next move.
Planning to grow, purchase equipment or strengthen your business cash flow? Genuine Financial Services helps you explore business lending options with clear, personal guidance in English, Hindi, Nepali and Bengali.
Finance with your business in mind
Start with the purpose.
Then explore the funding.
Every business has a different story. Your trading history, cash flow, existing commitments and plans all influence which lending options may be appropriate.
At Genuine Financial Services, we take the time to understand why you need funding and how repayments would fit into your business. We help you explore available options and understand the requirements before proceeding with an application.
What would you like your funding to achieve?
- Manage a short-term working capital requirement
- Purchase or replace equipment and business assets
- Support an expansion or planned business investment
- Explore finance for commercial premises
- Review existing business borrowing arrangements
Business finance conversations
Explore funding for
the way your business operates.
These are common business funding needs we can discuss. Available products depend on lender criteria, your circumstances and the purpose of the borrowing.
Equipment & Asset Finance
Explore borrowing for equipment, machinery or vehicles used in your business, with attention to the asset’s purpose, useful life and repayment costs.
Discuss equipment fundingBusiness Growth
Planning an expansion, refurbishment or additional location? Discuss how much funding you need and how repayments could affect your business cash flow.
Discuss your growth plansCommercial Property Finance
Explore the lending considerations involved in buying commercial premises, including the property, deposit, security and lender assessment requirements.
Discuss commercial propertyBusiness Purchase Finance
Considering buying an established business? Start a conversation about the purchase, your financial contribution and the information lenders may request.
Discuss a business purchaseBusiness Loan Refinancing
Review whether existing business lending still meets your needs. Consider current costs, repayment terms and any fees or risks involved in changing arrangements.
Request a lending reviewUnderstand the full commitment
More than the loan amount.
Consider the whole picture.
Business borrowing should be assessed against your financial position and the reason for seeking funding. A manageable repayment today also needs to make sense across quieter trading periods.
We help you understand the lending details and encourage you to involve your accountant or other professional advisers where tax, business structure or legal questions arise.
-
Cash flow and repayment frequency
Consider the size and timing of repayments against your revenue cycle, operating expenses and existing debts.
-
Total borrowing costs
Look at interest, establishment charges, ongoing fees and any early repayment costs, rather than one headline figure.
-
Security and guarantees
Understand whether assets or personal guarantees are required and the commitments involved before signing.
-
Loan term and funding purpose
Consider whether the repayment period and structure suit what you are financing and how it supports your business.
Prepare for your conversation
A clearer application
starts with good information.
Documentation varies by lender and finance type. Start with an overview of your business, the amount you need and how you intend to use the funds.
Once we understand your circumstances, we can explain which supporting documents are relevant to your application.
Information you may be asked to provide
- Identification and business registration details
- Recent business bank statements
- Financial statements, tax returns or activity statements
- Details of existing business loans and commitments
- Equipment quotes, purchase contracts or property details
- Cash flow forecasts or a business plan, where required
How we work
From your business plans
to an informed lending decision.
-
Understand your needs
We discuss your business, funding purpose, trading history and current financial commitments.
-
Explore available options
We discuss relevant lending options and explain costs, repayment structures and lender requirements.
-
Prepare your application
Once you choose to proceed, we help prepare the application and liaise with the lender during assessment.
-
Support the next steps
If approved, we help you understand the steps towards funding and remain available for future lending enquiries.
Personal support from an experienced broker
Talk business.
In your language.
Gopal Pokharel brings 14+ years of experience in the finance industry and a personal approach to understanding your borrowing needs.
Discuss your plans in English, Hindi, Nepali or Bengali. We welcome business owners from all backgrounds and take the time to explain lending terminology, requirements and the steps ahead.
Learn more about Gopal and our team →Australia-wide support
Based in Melbourne.
Here for businesses across Australia.
Genuine Financial Services supports clients across all six Australian states and both mainland territories. Contact our team to discuss your business location, finance needs and circumstances.
Your questions answered
Business loan FAQs
Start with these common questions, then talk with our team about your business.
How can Genuine Financial Services help with business finance?
We start by understanding your funding needs and business circumstances. We then help you explore available lending options, understand their costs and requirements, and prepare an application if you decide to proceed.
What can business funding be used for?
Depending on the product and lender, business funding may support working capital, equipment purchases, expansion, commercial property or a business purchase. The lender must accept the proposed purpose of the loan.
What documents will I need?
Requirements vary. You may need identification, business registration details, bank statements, financial statements, tax information and details of existing debts. Purchase documents or forecasts may also be relevant to the funding request.
Will I need to provide security or a personal guarantee?
This depends on the lender, product and application. Some facilities require security over assets or personal guarantees. We can explain the proposed requirements, and you should seek independent legal advice where needed before accepting those commitments.
Can a new business apply for finance?
Options for a new business depend on the lender’s criteria and factors such as your experience, contribution, security and financial position. Contact us to discuss your plans and whether an available lending option may fit your circumstances.
Can you review my existing business loan?
Yes. We can discuss whether your existing borrowing continues to meet your needs and explore available alternatives. Any review should consider current costs, switching fees, repayment terms and security requirements.
Do you support business owners outside Melbourne?
Yes. Our Melbourne-based team supports clients across Australia. We also offer conversations in English, Hindi, Nepali and Bengali.
Is approval guaranteed after speaking with a broker?
No. The lender assesses the application and makes the approval decision. Available amounts, terms and conditions depend on that assessment and your business circumstances.
Let’s discuss what’s next for your business.
Tell us what you need funding for. We’ll help you understand the options and the information needed to take the next step.