Commercial Finance Broker in Melbourne
Find the right business loan
Running a business leaves little time to become an expert in business finance.
Between managing staff, chasing invoices, and keeping stock moving, deciding whether a business loan or a trade finance facility is the right fit for your cash flow is usually at the bottom of your to-do list.
As a commercial finance broker, we assess your Melbourne business, compare suitable options across our lender panel, and put forward financing that fits how your business actually operates, not a generic product picked off a shelf.
Our team is based in Williamstown, and we serve commercial clients throughout Melbourne, from the inner west to the CBD.
Talk to a Commercial Finance Broker
0411825257
20 Years
Years in Melbourne banking and finance
90+
Lenders on our commercial finance panel
500+
Melbourne businesses helped
Where Commercial Finance Fits Into Your Business
Businesses seek financing for various reasons. Here are the most common situations we encounter as a business loan broker in Melbourne when businesses are looking for commercial financing.
Your cash flow doesn't match your invoice or trading cycle
As a small business loan broker in Melbourne, we frequently assist business owners in overcoming financial challenges by providing solutions such as overdrafts, working capital facilities, and trade and debtor finance. These options help alleviate the stress caused by slow-paying clients or seasonal demand.
You're ready to buy a business property or another business
If you're considering purchasing a business property or acquiring another company, it's crucial to understand that the financial details lenders examine differ from those of regular business operations. We will guide you through what your application should include before you make an offer, so there are no surprises along the way.
You need to fund vehicles, machinery, or equipment
Vehicles, machinery and equipment keep a business running, but tying up your cash to buy them outright often isn't the smartest move. Equipment and asset financing allow you to spread the cost over time and keep your working capital available for other business needs.
Your insurance premium lands as one large bill each year
Annual insurance premiums can come as a single, hefty bill. We offer a lesser-known solution called Insurance Premium Funding, which allows you to break that premium into regular monthly payments instead of paying all at once.
You're a newer business and haven't secured a facility yet
Most lenders require at least 12 months of trading history before approving a standard business loan, which can leave newer businesses at a standstill. As startup business loan brokers in Melbourne, we will honestly assess whether financing is realistic for your business at this time or if it might be better to wait a few months before applying.
You haven't reviewed your business lending in a while
Rates move, new lenders enter the Melbourne market, and a facility that suited your business two years ago might not suit it now. A quick review costs nothing and can sometimes reveal a more advantageous financial structure than the one you currently have.
How Commercial Finance Works with OCFG
Business and commercial financing may seem complex, but we simplify the process from start to finish. Here’s how we do it:
Before we talk about lenders, we talk about your business. Revenue, cash flow and your plans for the next few years all shape the recommendations you get.
Your situation gets checked against our panel of lenders, not just a single bank’s product list. That means you’re seeing genuine options, not one institution’s limited picks.
Every option comes with its upsides and downsides, and we lay them out plainly. Whether you stay put, switch, or go with something new is entirely your call.
Once you’ve picked a direction, we help you with the application and deal with the lender directly. It’s off your plate from there.
We stay on top of valuations, conditions and timing right through to the day your facility settles. Yes, we’re dedicated that way.
Once you’re set up, we check in periodically to make sure the facility is still doing its job as your business changes.
Meet Your Melbourne Commercial Finance Broker
Justin Shiong founded Oscar&Charles after two decades in banking and finance, including experience on the corporate lending side of a bank’s desk. This unique perspective is invaluable for business owners, as Justin understands how credit assessors evaluate loan applications, beyond just knowing how brokers present them.
This background influences how Oscar&Charles approaches commercial finance. Rather than simply promoting whichever product is currently available, Justin focuses on what a lender will actually approve for your specific business and tailors the application accordingly.
Melbourne business owners choose Justin as their commercial loan broker because he views commercial lending as an integral part of running a business, rather than just a transaction to rush through.
90+ Lenders We Trust Since 2018
We’ve worked with this panel of lenders since 2018, long enough to know exactly how each one operates. That’s what lets us match you with the right lender, not just any lender.
Understand Business & Equipment Finance Repayments
Our Leasing Calculator estimates what your monthly repayments may look like for equipment or vehicle financing. Enter your numbers for a preliminary estimate, then bring it to us for further discussion if the numbers look favourable for your business.
If you find the rates appear unusual, we can assist you in adjusting the figures.
What Our Business Clients Say
Business lending in Melbourne isn't one-size-fits-all. Oscar&Charles knows that by heart, and it's part of why clients regularly describe Justin as a top business loan broker in Melbourne.
Commercial Finance Broker FAQs
Here’s what Melbourne business owners usually ask us
What is business or commercial lending, and who is it for?
Business or commercial lending refers to financing arranged specifically for businesses. That includes business loans, overdrafts, equipment and asset finance, trade and debtor finance, and facilities like Insurance Premium Funding.
This type of lending is essential for businesses of all sizes that require funds to operate, grow, or manage cash flow.
If your business needs an extra boost in financing, you’re entering the realm of commercial lending. This is precisely where a commercial finance broker in Melbourne can assist you.
What types of businesses does Oscar&Charles help?
Oscar & Charles supports businesses across nearly every industry and stage of growth, including sole traders, partnerships, and corporations. We collaborate with companies in various sectors, such as trade and construction, retail and hospitality, professional services, as well as manufacturing and wholesale.
Our clientele ranges from new business ventures that are just setting up their first facility to established operators who are refinancing existing loans or funding the next stage of their business growth.
As small business loan brokers in Melbourne, and increasingly as startup business loan brokers, we are equally comfortable working with businesses that are just six months old as we are with those that have been trading for twenty years.
How does getting a business or commercial loan work in Melbourne?
Commercial lending encompasses a range of products, including business overdrafts, equipment finance, and loans secured against commercial property.
The right starting point depends entirely on what you need to finance and the structure of your business.
By working with a commercial finance broker in Melbourne, such as Oscar & Charles, you won’t have to figure this out alone or waste time guessing which bank might approve your loan.
We help match the loan facility to your specific needs, compare different lenders and their rates, and manage the paperwork, so you can focus on running your business rather than loans.
What does it cost to arrange commercial finance through a broker?
Typically, using a commercial finance broker does not involve any direct fees for you. We earn a commission from the lender once your financing arrangement is finalised, and we will always be transparent about how this works before you sign anything.
However, the financing itself may involve various costs. You’ll need to take into account application fees, property valuation fees, overdraft fees, and any applicable government charges.
It’s important to note that the lowest advertised rate is not always the most affordable option once all fees and structures are considered. One of our responsibilities is to conduct a thorough comparison. If a seemingly cheaper option turns out not to be the best deal, we will let you know directly.
Can I get a business loan if my company is less than 12 months old?
Realistically, it’s challenging but not impossible.
Most mainstream lenders want to see at least a full year of trading history and financials before they’ll consider a standard business loan, which rules out a lot of newer businesses by default.
Fortunately, there are a handful of lenders that are more flexible on this aspect, particularly if you can show strong personal credit, offer security, or put forward a solid business plan.
As a startup business loan broker in Melbourne, we’ll tell you honestly whether that’s realistic for your business right now, or whether it’s worth waiting a few months and coming back to it. Just reach out to us through the form below or give us a call to get started.
Which lender is the best for my business?
Honestly, “best” depends entirely on your business. It’s never a fixed answer we could give everyone.
A lender that’s competitive for an established retail business might be entirely wrong for a newer trades business, or for one carrying current debt.
This is really the whole point of using a commercial finance broker in Melbourne rather than starting with your everyday bank.
Oscar&Charles will look at your business against a panel of lenders. Then we put forward whichever one actually fits, not just a name you’d recognise. And if nothing on the panel genuinely works for you right now, we’d rather say that upfront than force a square peg into a round hole.
What's the difference between using a broker and going direct to a bank?
A bank can only offer you its own products. Those products get assessed against that bank’s own appetite for risk on the day you apply.
If that bank says no, or offers a mediocre rate, you’re generally starting over somewhere else on your own.
Business loan brokers in Melbourne work across multiple lenders at once, including banks, non-banks and specialist commercial lenders.
That range means we generally know how each one is likely to view your situation before you even apply. On top of that, we manage the application itself.
Can I make interest-only repayments on a business loan?
In many cases, yes, but it depends on the lender, what secures the loan, and how the facility is structured.
Interest-only terms are quite common in commercial lending, so we recommend discussing this with your broker right from the start to widen your payment plan options.
However, it’s important to understand what happens after the interest-only period ends, as repayments usually increase significantly once that period is over. At Oscar&Charles, Justin will ensure you fully understand the implications before you commit to any financial facility.
What is LVR, and how much can my business borrow?
LVR (Loan-to-Value Ratio) compares how much you’re borrowing to the value of the asset securing the loan, typically a property.
A lower LVR generally opens up more lenders and better terms, since you’re asking the lender to take on less risk.
However, your borrowing capacity depends on more than just the LVR. Factors such as your business revenue, existing debts, the quality of your security, and the intended use of the funds all influence the lender’s decision.
As a commercial finance loan broker in Melbourne, we’ll run through these with you early in the process. That way you’re applying with a realistic number in mind, not a guess.
How long does a commercial finance application take?
There’s genuinely no fixed timeframe.
It depends heavily on the lender, the complexity of your business, and the type of facility. Equipment finance can sometimes move in days, but a commercial property purchase may take longer as it will involve evaluation and legal review.
What we can promise is that we’ll stay on it.
We chase lenders, track conditions, and keep you posted at each stage.
What documents do I need to apply for a business loan?
It varies by lender and facility, but you’ll typically need recent financial statements, BAS lodgements, business bank statements, and ID for the business owners or directors.
Newer or more complex businesses sometimes need to provide a bit more context around income.
As a business loan broker in Melbourne, gathering and presenting this properly is genuinely part of what we do. Based on experience, a well-prepared application tends to move faster and gets a better initial read from a credit assessor.
Justin will get that right for you from the start.
Ready to See the Commercial Financing Available for Your Business?
One conversation is usually enough to work out whether now’s the right time to consider commercial finance for your Melbourne business and what’s realistically possible.
Feel free to reach out, and let’s have a conversation about your business financing needs.
Rather speak to someone directly? Call Justin on 0411 825 257.