Business loans
Working capital, cash-flow finance, business acquisition funding and lines of credit — structured to match how the business actually earns.
Lending · Business & commercial
Business loans, equipment finance and commercial property lending — arranged by the same team that already understands how your company earns, spends and reports.
Most brokers meet a business owner's finances at the point of application. When you work with Numbers & Sense, your accountant and your broker sit within the same practice. That means your cash flow, structure, working capital cycle and tax position are already understood before we approach a lender.
For small business owners, contractors and professionals with company or trust structures, this is the difference between a submission built from a shoebox of statements and one prepared by people who already know how the numbers work.
Business and commercial loans Canberra owners arrange through our practice benefit from that continuity — cleaner applications, sharper structuring, and lending that fits the shape of your business.
What we arrange
Working capital, cash-flow finance, business acquisition funding and lines of credit — structured to match how the business actually earns.
Vehicles, machinery, plant and equipment. Chattel mortgage, hire purchase, novated leasing and rental — with the tax treatment considered up front.
Owner-occupied premises, investment offices, retail and industrial — including SMSF-held commercial property where suitable.
Sole traders, partnerships, companies and trusts. Non-standard income, self-employed borrowers and structures a mainstream branch often can't process.
We compare business and commercial loans Canberra borrowers qualify for across a panel of major banks, second-tier lenders and specialist commercial funders. That includes lenders comfortable with self-employed income, complex ownership structures and non-standard security.
Every recommendation is explained in context — not just the rate, but how the loan structure affects your BAS, deductions, cash flow and the group's longer-term tax position.
For owner-occupier lending, see home loans. For investment property finance, see investment loans. For SMSF-held commercial property, see SMSF lending. Our lending work complements the accounting and tax service we deliver for the same clients.
Frequently asked
No. Our lending service is available to anyone, though existing clients benefit from a strategy informed by their full financial position.
Our service is commission-based on most business and commercial products. Where a lender does not pay commission or the deal is complex enough to warrant a fee, we agree that with you in writing before proceeding.
Yes. Chattel mortgage, hire purchase, novated leasing and rental — we compare across specialist asset finance lenders and coordinate with your accountant on GST, depreciation and instant-asset-write-off treatment.
Yes. We help structure the borrowing alongside the accounting and tax work — reviewing the target's numbers, funding the goodwill or asset purchase, and setting up the entity for long-term serviceability.
A clear next step
No obligation, no pressure — just a clear picture of where you stand and what is available.
Ready when you are
Tell us what you need and we'll point you to the right person. We reply within one business day.